Terms of Service

1. Agreement to Terms

Welcome to SmartInsured Inc. By accessing or using our website and services, you agree to be bound by these Terms of Service. If you do not agree, please do not use our services.

These Terms constitute a legally binding agreement between you and SmartInsured Inc., a Washington State licensed insurance agency (License #1009534).

2. Our Services

2.1 What We Are

SmartInsured Inc. is a licensed insurance agency in the State of Washington. We help businesses find and purchase insurance coverage from licensed insurance carriers.

2.2 What We Are Not

2.3 Technology Disclosure

Our website uses technology-assisted tools, including AI systems, to help match your business with coverage options. These tools:

• Do NOT make underwriting decisions
• Do NOT determine your eligibility for coverage
• Do NOT set final premium rates
• Do NOT make coverage or claims decisions

All recommendations are reviewed by licensed insurance professionals, and final decisions are made by insurance carriers.

3. Quotes and Coverage

Quotes displayed on our website are preliminary estimates based on the information you provide. These quotes are for informational purposes only and do not constitute an offer of insurance or a guarantee of coverage.

Final premium rates, coverage terms, and conditions are determined solely by the issuing insurance carrier after full underwriting review.

4. Your Responsibilities

You agree to provide accurate, complete, and truthful information when using our services. Providing false or misleading information may result in denial of coverage, cancellation of policies, or denial of claims.

5. Compensation Disclosure

SmartInsured receives compensation from insurance carriers in the form of commissions when you purchase a policy through us. This compensation does not increase the premium you pay.

6. Privacy

Your privacy is important to us. Please review our Privacy Policy for information about how we collect, use, and protect your data.

7. Limitation of Liability

To the maximum extent permitted by law, SmartInsured Inc. shall not be liable for any indirect, incidental, special, or consequential damages arising out of your use of our services.

8. Contact Us