These Terms and Conditions govern your use of the Collective Insurance Services website and services. By accessing this website, you agree to be bound by these terms.
1 Website Use
You agree to use this website only for lawful purposes and in a manner that does not violate applicable laws, regulations, or the rights of others.
2 No Guarantee of Coverage
Submitting information through this website does not guarantee insurance coverage, policy approval, pricing, eligibility, or binding of insurance.
Coverage is subject to carrier underwriting guidelines, application review, and policy terms.
3 Quotes and Information
Any quotes, estimates, or information provided through this website are for informational purposes only and may change based on underwriting review or updated information.
4 Intellectual Property
All website content, including text, branding, graphics, logos, and materials, is the property of Collective Insurance Services unless otherwise stated.
You may not reproduce, distribute, or use website content without prior written permission.
5 Limitation of Liability
Collective Insurance Services shall not be liable for:
- Temporary website interruptions
- Technical errors or inaccuracies
- Losses resulting from website use
- Unauthorized access beyond reasonable control
- Third-party platform failures
6 Third-Party Services
This website may integrate with third-party services, software, or links. We are not responsible for third-party content, security, or operations. We encourage you to review the terms and policies of any third-party services you access.
7 Indemnification
You agree to indemnify and hold harmless Collective Insurance Services, its affiliates, employees, contractors, and partners from any claims, liabilities, damages, or expenses arising from your misuse of the website or violation of these Terms.
8 Governing Law
These Terms shall be governed by and interpreted under the laws of the State of Michigan, without regard to conflict of law principles.
9 Changes to Terms
We reserve the right to modify these Terms at any time. Continued use of the website after updates constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.
10 Contact Information
If you have any questions or concerns about these Terms, please reach out to us: