Terms & Service

1. Our Services

We are a licensed insurance agency that helps customers obtain insurance quotes, purchase policies, and service existing policies. We are not an insurance carrier; coverage is underwritten by the insurance companies we work with, and all policy terms, conditions, and pricing are subject to carrier approval.

2. No Guarantee of Coverage

Information provided on our website or through our communications is for general informational purposes only and does not constitute a binding offer of insurance coverage. Coverage is only bound upon confirmation from us or the applicable carrier.

3. Communications, Including Text Messages (SMS)

By providing your phone number and consenting to receive text messages, you agree that we may contact you regarding quotes, policy servicing, appointment reminders, or account updates. Message and data rates may apply. Message frequency may vary. You may opt out at any time by replying "STOP," and you may request help by replying "HELP." Carriers are not liable for delayed or undelivered messages. Consent to receive texts is not a condition of purchasing any insurance policy.

4. Accuracy of Information

You agree to provide accurate, current, and complete information when requesting quotes or services. We are not responsible for delays, denials, or errors resulting from inaccurate or incomplete information you provide.

5. Website Use

You agree to use our website only for lawful purposes. You may not use our website to transmit harmful code, attempt unauthorized access to our systems, or interfere with the proper functioning of the site.

6. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of General Insurance Services Tennessee, LLC or its licensors and may not be copied, reproduced, or distributed without our prior written consent.

7. Limitation of Liability

To the fullest extent permitted by law, General Insurance Services Tennessee, LLC shall not be liable for any indirect, incidental, or consequential damages arising from your use of our website or services, including reliance on any information provided.

8. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier sites. We are not responsible for the content, privacy practices, or terms of any third-party website.

9. Governing Law

These Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law principles.

10. Changes to These Terms

We may update these Terms from time to time. Continued use of our website or services after changes are posted constitutes acceptance of the revised Terms.

11. Contact Us