Terms and Conditions
Effective Date: 4/6/2026
Welcome to Insurance Services of Florida INC (“Company,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of our website, services, lead forms, communications, and insurance-related offerings.
By accessing our website, submitting your information, or using our services, you agree to be bound by these Terms. If you do not agree, please do not use our services.
1. Services Overview
Insurance Services of Florida INC is a Florida-based insurance agency that provides insurance quotes, policy information, and related services. We may act as an independent agency representing multiple insurance carriers.
We do not guarantee coverage, pricing, or approval. All insurance products are subject to underwriting guidelines, eligibility, and approval by the issuing carrier.
2. No Professional or Legal Advice
All information provided on this website is for general informational purposes only and does not constitute legal, financial, or insurance advice.
You should consult directly with a licensed insurance agent or qualified professional regarding your specific situation before making decisions.
3. Eligibility & Use of Website
By using this website, you represent that:
- You are at least 18 years of age
- You reside in the United States
- All information you provide is truthful and accurate
You agree not to misuse the website or services in any unlawful or fraudulent manner.
4. Lead Forms & User Submissions
4.1 Accuracy of Information
By submitting any form on our website, you agree to provide accurate, complete, and current information.
4.2 Consent to Contact (TCPA Compliance)
By submitting your information, you provide express written consent to be contacted by Insurance Services of Florida INC and its representatives via:
- Phone calls (including auto-dialed calls)
- Text messages (SMS/MMS)
- Email communications
This consent applies even if your number is listed on any federal or state Do Not Call registry.
Consent is not a condition of purchase.
4.3 Opt-Out Instructions
You may opt out of communications at any time:
- Text STOP to unsubscribe from SMS
- Use the unsubscribe link in emails
- Contact us directly to request removal
4.4 Forms consent
By clicking “Get My Quote”, you agree to the Terms and Conditions and Privacy Policy, and provide express written consent for Insurance Services of Florida INC and its licensed agents/partners to contact you at the phone number provided (including via autodialer, prerecorded calls, SMS text messages, and emails) for insurance quotes and related services, even if your number is on a federal or state Do Not Call list.
Consent is not required to purchase. Message & data rates may apply. Message frequency varies. Reply STOP to opt out.
5. SMS & Communication Disclosure
By opting into SMS communications:
- Message frequency may vary
- Message and data rates may apply
- Carriers are not liable for delayed or undelivered messages
We comply with applicable laws including the Telephone Consumer Protection Act (TCPA) and industry guidelines.
6. Call Tracking & Recording
Calls to and from Insurance Services of Florida INC may be recorded or monitored for quality assurance, training, and compliance purposes.
By communicating with us via phone, you consent to such recording in accordance with applicable law.
7. Third-Party Carriers & Affiliates
Insurance Services of Florida INC may share your information with licensed insurance carriers, agents, or partners to provide quotes or services.
We are not responsible for the actions, policies, or decisions of third-party providers.
8. No Guarantee of Coverage or Rates
Quotes provided are estimates only and are subject to change based on:
- Underwriting review
- Verification of information
- Carrier-specific guidelines
Coverage is not bound unless confirmed in writing by an authorized representative.
9. Acceptable Use Policy
You agree not to:
- Use the website for fraudulent or unlawful purposes
- Submit false, misleading, or impersonated information
- Attempt to interfere with website functionality or security
- Use automated systems (bots, scrapers) without permission
We reserve the right to restrict or terminate access for violations.
10. Intellectual Property
All website content, including text, branding, logos, and design, is the property of Insurance Services of Florida INC and protected by applicable copyright and trademark laws. All trademarks, logos, and brand names used are the property of their respective owners, and their use here does not imply endorsement. All company, product, logos, and service names used in this website are for identification purposes only. Use of these insurance carrier names, trademarks and brands does not imply endorsement.
You may not reproduce, distribute, or use our content without written permission.
11. Limitation of Liability
To the fullest extent permitted by law, Insurance Services of Florida INC shall not be liable for any indirect, incidental, or consequential damages arising from:
- Use or inability to use our services
- Errors or omissions in content
- Decisions made based on provided information
Our total liability shall not exceed the amount paid (if any) for services.
Third-Party Developer Disclaimer: The website for insuranceservicesoffl.com may be designed, developed, or maintained by independent third-party contractors or web developers (“Developer”). To the fullest extent permitted by applicable law, the Developer shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages, including but not limited to loss of data, revenue, profits, business interruption, security breaches, system failures, inaccuracies, or errors arising out of or related to the use of this website or its services. Insurance Services of Florida INC assumes full responsibility for the content, operation, compliance, and use of this website. By using this website, you agree to release, indemnify, defend, and hold harmless the Developer from and against any and all claims, demands, liabilities, damages, losses, costs, or expenses (including attorneys’ fees) arising out of or related to your use of the website or any services provided herein.
12. Indemnification
You agree to indemnify and hold harmless Insurance Services of Florida INC from any claims, damages, or liabilities resulting from your use of the website or violation of these Terms.
13. Florida-Specific Legal Notices
13.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles.
13.2 Insurance Licensing
Insurance Services of Florida INC operates in compliance with Florida insurance regulations. Products are offered through licensed agents and subject to Florida Department of Financial Services oversight.
13.3 No Public Adjusting
We do not act as public adjusters or claims representatives unless explicitly stated.
14. Dispute Resolution & Arbitration
14.1 Binding Arbitration
Any dispute arising out of or relating to these Terms or our services shall be resolved through binding arbitration administered by a recognized arbitration organization.
Arbitration shall take place in the State of Florida.
14.2 Class Action Waiver
You agree to resolve disputes on an individual basis and waive any right to participate in class actions or collective proceedings.
14.3 Exceptions
Either party may bring claims in small claims court for eligible matters.
15. Privacy
Your use of our services is also governed by our Privacy Policy. We encourage you to review it to understand how your data is collected and used.
16. Modifications to Terms
We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with an updated effective date.
Continued use of the website constitutes acceptance of the updated Terms.
17. Contact Information
If you have any questions regarding these Terms, please contact us:
Insurance Services of Florida INC
1306 W Daughtery Rd, Lakeland, FL 33810
863-577-7775
Monday – Friday 9am-6pm
Saturday 10am-2pm
18. Entire Agreement
These Terms constitute the entire agreement between you and Insurance Services of Florida INC regarding use of our website and services.
Please read carefuly our Privacy Policy page.