Terms of Use
These Terms of Use (“Terms”) govern your use of Commercial-Auto-Insurance.com (the “Site”) and any phone numbers displayed on it, operated by [COMPANY LEGAL NAME] (“we,” “us,” or “our”). By using the Site or calling a number on it, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site.
1. What this Site is
The Site is an advertising and referral service that helps businesses connect with commercial auto insurance providers. We are not an insurance company, insurance agency, or broker. We do not quote, sell, bind, underwrite, or service insurance policies, and we do not give insurance, legal, tax, or financial advice. Nothing on the Site is an offer to sell insurance or a solicitation in any state where that would be unlawful.
2. Calls and quotes
When you call a number on the Site, your call is routed to a licensed insurance representative of a participating carrier or agency. When you select “Get a quote online,” you leave the Site and go to the carrier’s website. All quotes, rates, coverage terms, eligibility decisions, and policies are provided solely by the insurer or agency, are subject to its underwriting rules and policy terms, and vary by state. We do not guarantee that you will receive a quote, any particular price, savings, or coverage, or that any carrier will be available in your area. Representatives are not our employees, and we are not responsible for their statements, advice, or products.
3. Our compensation
We are paid by participating insurers, agencies, or marketing partners for calls and clicks that come through the Site. That compensation may affect which companies we feature and the order in which they appear. It does not change the price you are quoted. See our Advertising Disclosure.
4. Call recording and communications
Calls may be monitored and recorded for quality, training, verification, and compliance, as described in the Privacy Policy. Calling a number on the Site does not give us consent to send you autodialed or prerecorded marketing calls or text messages.
5. Eligibility and use of the Site
The Site is intended for adults in the United States seeking insurance for business vehicles. You agree not to misuse the Site, including by interfering with its operation, generating artificial calls or clicks, scraping it, or using it for any unlawful purpose.
6. Information accuracy
Content on the Site, such as descriptions of coverage types, is general information and may not reflect any specific policy or state’s requirements. Coverage descriptions are summaries; the policy language issued by the insurer controls. We may update content at any time without notice.
7. Intellectual property
The Site’s design, text, and graphics are owned by us or our licensors and are protected by law. Third-party names and trademarks, including those of insurance carriers, belong to their owners and are used for identification only; their use does not imply endorsement unless stated.
8. Third-party websites
The Site links to websites we do not control. We are not responsible for their content, availability, terms, or privacy practices. Your use of them is at your own risk and subject to their terms.
9. Disclaimer of warranties
THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY LAW.
10. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS ARISING FROM YOUR DEALINGS WITH ANY INSURER, AGENCY, OR REPRESENTATIVE, INCLUDING ANY QUOTE, COVERAGE DECISION, OR CLAIM. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). SOME STATES DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THESE MAY NOT APPLY TO YOU.
11. Indemnification
You agree to indemnify and hold us harmless from claims arising from your misuse of the Site or violation of these Terms, to the extent permitted by law.
12. Governing law and disputes
These Terms are governed by the laws of the State of [GOVERNING STATE], without regard to conflict-of-law rules, and by applicable federal law. Before filing any claim, you agree to first contact us at [PRIVACY EMAIL] and try to resolve the dispute informally for at least 30 days. Any claim not resolved informally will be brought in the state or federal courts located in [GOVERNING STATE], unless applicable law gives you the right to bring it elsewhere. Either party may bring an individual claim in small claims court.
13. Changes
We may change these Terms at any time by posting an updated version on this page. Changes take effect when posted, and continuing to use the Site afterward means you accept them.
14. Contact
[COMPANY LEGAL NAME], [MAILING ADDRESS] · [PRIVACY EMAIL]