Terms of Service

These Terms of Service ("Terms") govern your access to and use of the website and services provided by INSURHAUS Inc ("INSURHAUS," "we," "us," or "our"). By accessing our website, submitting a form, or using our services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.

Acceptance of Terms

By using this website or engaging us as your insurance broker, you confirm that you are at least 18 years of age and able to enter into a binding agreement, and you agree to these Terms and our Privacy Policy. We may update these Terms from time to time, and your continued use after changes take effect constitutes your acceptance of the revised Terms.

Our Services

INSURHAUS is an independent insurance brokerage. We help individuals and businesses compare and obtain insurance coverage from third-party insurance carriers. We are not an insurance company and do not underwrite, issue, or guarantee any policy. Any coverage you obtain is provided by, and is a contract between you and, the issuing insurance carrier, subject to that carrier's policy terms, conditions, exclusions, and underwriting approval.

Quotes, proposals, and other information we provide are for general informational purposes and are not an offer or guarantee of coverage. No coverage is bound, and no policy is in force, until a carrier accepts the risk and issues a policy and you have paid any required premium. Verbal or written communications, including online submissions, do not bind, alter, or extend coverage.

No Guarantee of Coverage or Pricing

Premiums, eligibility, terms, and availability of coverage are determined solely by the insurance carriers and are subject to change. We do not guarantee that any particular coverage, limit, price, or carrier will be available to you, or that the coverage offered will meet your specific needs or any contractual or legal requirements that apply to you. You are responsible for reviewing your policy documents and confirming that your coverage is appropriate for your circumstances.

Your Responsibilities

You agree to provide accurate, current, and complete information when requesting quotes or services, and to promptly update us when your information or circumstances change. Insurance decisions and pricing depend on the accuracy of the information you provide; inaccurate, incomplete, or misleading information may result in incorrect quotes, the denial of a claim, or the cancellation or rescission of a policy by the carrier. You are responsible for maintaining the confidentiality of any account credentials and for all activity that occurs under your account.

Electronic Communications Consent

By using our website and services, you consent to receive communications from us electronically — including by email and through our website — and you agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing, consistent with the federal E-SIGN Act and applicable state law. You may withdraw this consent by contacting us, though doing so may affect our ability to provide certain services online.

Text Messaging (SMS)

If you provide your mobile number and opt in, you consent to receive recurring informational and account-related text messages from INSURHAUS, including messages sent using an autodialer. Consent is not a condition of purchasing any product or service. Message frequency varies, and message and data rates may apply. Reply STOP to opt out at any time or HELP for help. Carriers are not liable for delayed or undelivered messages. See our Privacy Policy for how we handle your mobile information.

Privacy and Cookies

Your use of our website and services is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference. You can review and exercise your privacy rights, including opting out of the sale or sharing of personal information, on our Your Privacy Choices page.

Intellectual Property

The website and its content — including text, graphics, logos, the INSURHAUS name, and the design and arrangement of the site — are owned by or licensed to us and are protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the website for your own personal or internal business purposes. You may not copy, reproduce, distribute, modify, or create derivative works from our content without our prior written permission.

Third-Party Links and Carriers

Our website may contain links to websites operated by insurance carriers, payment processors, and other third parties — including carrier payment and claims portals. We provide these links for your convenience and do not control, endorse, or assume responsibility for the content, products, services, or privacy practices of any third-party website. Your dealings with, and any policies issued by, third-party carriers are governed by their own terms and policies, not these Terms.

Disclaimers

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising from course of dealing or usage of trade. We do not warrant that the website will be uninterrupted, secure, or error-free, or that any information on it is accurate, complete, or current. Nothing on this website constitutes legal, tax, or financial advice.

Limitation of Liability

To the fullest extent permitted by law, INSURHAUS Inc and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising out of or related to your use of (or inability to use) the website or services, even if we have been advised of the possibility of such damages. To the extent any liability cannot be excluded, our total liability arising out of or relating to these Terms or the website will not exceed the compensation, if any, we received for the specific service giving rise to the claim. This limitation does not affect any rights you have against an insurance carrier under a policy it issues.

Indemnification

You agree to indemnify, defend, and hold harmless INSURHAUS Inc and its officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to your use of the website, your violation of these Terms, or your submission of inaccurate or unlawful information.

Governing Law

These Terms and any dispute arising out of or relating to them or our services are governed by the laws of the State of Illinois, United States of America, without regard to its conflict-of-laws principles. You agree to the exclusive jurisdiction of the state and federal courts located in that jurisdiction for the resolution of any such dispute, except where applicable law provides otherwise.

Changes to These Terms

We may modify these Terms at any time. When we do, we will revise the "Last updated" date above and post the updated Terms on this page. Changes are effective when posted. We encourage you to review these Terms periodically so you understand the terms that apply to your use of our website and services.

Contact Us

If you have questions about these Terms, please contact us:

INSURHAUS Inc
1550 Spring Rd Ste 308
Oak Brook, IL 60523
Phone: 630-786-9971
Email: [email protected]