Terms & Conditions of Service

1. Acceptance of Terms

By accessing or using the website of Assertive Insurance ("the Website"), you agree to be bound by these Terms & Conditions, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

2. No Coverage Binder or Binding Agreement

Submitting an inquiry, contact request, or quote request through this website does not constitute an insurance binder, contract, or guarantee of coverage. An insurance policy is only bound and effective when:

• A formal application has been accepted by the underwriting insurance company;
• The required initial premium payment has been processed and received; and
• The carrier has officially issued a policy number or formal written binder.

3. Insurance Agency Licensing & Jurisdiction

Assertive Insurance is an independent insurance brokerage operating under licenses issued by the Florida Department of Financial Services. Insurance products, plan availability, premium rates, and benefits described on this website may not be available in all states or geographic jurisdictions.

4. Accuracy of Quote Estimates

All premium quotes and subsidy estimates generated via our website or advisory team are non-binding estimates based on information self-reported by you. Final rates are determined solely by participating insurance carriers following formal underwriting review and verification of income, age, smoking status, and residency.

5. Intellectual Property

All materials, trademarks, logos, content, and visual design on this site are the property of Assertive Insurance or used with permission under applicable licenses. Unauthorized reproduction or commercial distribution without written consent is strictly prohibited.

6. Limitation of Liability

In no event shall Assertive Insurance or its authorized agents be liable for any damages arising out of the use or inability to use the materials on the Website, even if notified of the possibility of such damages.