Terms of Use

1. Who We Are

This website is operated by Business Insurance Brokers LLC, a licensed independent commercial insurance broker. We are licensed to solicit, negotiate, and sell commercial property and casualty insurance in the following states: Washington (WA), Oregon (OR), Idaho (ID), Nevada (NV), Arkansas (AR), South Dakota (SD), Pennsylvania (PA), Texas (TX), and Indiana (IN).

Business Insurance Brokers LLC is an independent broker — we represent the interests of our clients, not any single insurance carrier. We are not affiliated with, endorsed by, or agents of any insurance company referenced on this website.

2. Acceptance of Terms

By visiting, browsing, or using any part of this website — including submitting a quote request form — you acknowledge that you have read, understood, and agree to be bound by these Terms of Use. These Terms apply to all visitors, users, and prospective clients.

If you are accessing this website on behalf of a business or other legal entity, you represent that you have the authority to bind that entity to these Terms.

3. This Website Is Not an Insurance Policy

Information presented on this website — including coverage descriptions, policy summaries, industry-specific insurance guidance, and state-specific insurance information — is provided for general informational and educational purposes only. It does not create any insurance coverage and should not be relied upon as a substitute for a review of an actual insurance policy.

Insurance coverage is only in force when a policy has been issued by an admitted carrier, all required premiums have been paid, and you have received written confirmation of coverage from the carrier or our agency.

4. No Guarantee of Coverage or Quotes

Submitting a quote request form on this website does not guarantee that insurance coverage will be offered, bound, or issued. Insurance coverage is subject to underwriting approval by the applicable carrier, which may include a review of your loss history, business operations, financial information, and other factors.

Premium estimates and cost ranges referenced on this website are general approximations only and are not binding quotes. Your actual premium will be determined by the carrier based on a full underwriting review of your specific risk.

Business Insurance Brokers LLC reserves the right to decline to place coverage for any prospective client at our sole discretion.

5. Accuracy of Information

We make reasonable efforts to ensure that information on this website is accurate and up to date. However, insurance laws, regulations, carrier availabilitys, and coverage terms change frequently. We cannot guarantee that all information on this website is current, complete, or free from error.

State-specific information — including workers compensation requirements, licensing rules, and coverage mandates — is provided as general guidance and may not reflect the most recent legislative or regulatory changes. You should consult a licensed insurance professional and, where appropriate, legal counsel for advice specific to your situation.

References to specific insurance carriers, their products, or their underwriting guidelines are based on information available at the time of writing and may have changed. Carrier availability and program terms vary and are subject to change without notice.

6. Quote Request Forms & Lead Submissions

When you submit a quote request form on this website, you are providing Business Insurance Brokers LLC with information to be used for the purpose of obtaining insurance quotes on your behalf. By submitting a form, you:

• Consent to be contacted by Business Insurance Brokers LLC and its licensed agents by phone, email, or text message regarding commercial insurance products and services;
• Authorize us to share the information you provide with insurance carriers and their underwriting systems for the purpose of obtaining quotes;
• Acknowledge that submitting a form does not create an insurance policy or bind coverage;
• Confirm that the information you provide is accurate and complete to the best of your knowledge.

We use Formspree to process form submissions. Submitted data is transmitted electronically and is subject to Formspree's own privacy and security policies in addition to our own.

Message and data rates may apply for text communications. You may opt out of communications at any time by contacting us at CommercialInsuranceAgency@gmail.com.

Oregon Fuel Bond Applications

The Oregon Fuel Bond application on this website requests sensitive personal information including Social Security Numbers (SSN) and dates of birth, which are required by surety companies for credit underwriting. This information is used solely for the purpose of obtaining surety bond quotes and is transmitted securely. We do not sell or share this information for any purpose unrelated to bond underwriting.

7. Third-Party Carriers & Brand References

This website references insurance carriers including a leading admitted carrier, top-rated admitted carriers, Oregon Mutual, MGT Insurance, a top-rated admitted carrier, Berkshire Hathaway Guard, a top-rated admitted carrier, BHHC, and Berkshire Hathaway Three, and Mutual of Enumclaw. These carrier names are used to identify the companies whose insurance products we may place on behalf of clients. Business Insurance Brokers LLC is an independent broker and is not an employee, agent, or representative of any carrier in a captive capacity.

Franchise Brand References

This website references franchise brand names including but not limited to McDonald's, Starbucks, Subway, Taco Bell, Burger King, Dairy Queen, Domino's, Pizza Hut, Wendy's, KFC, Popeyes, Arby's, Circle K, Casey's General Stores, CVS Pharmacy, Walgreens, AutoZone, O'Reilly Auto Parts, The UPS Store, Great Clips, Sport Clips, Panera Bread, Jack in the Box, Sonic Drive-In, Little Caesars, Hampton Inn, La Quinta, Wyndham Hotels, Midas, Meineke, Jiffy Lube, Valvoline, and others.

These brand names are used solely to identify commercial insurance services available to franchisees and operators affiliated with those brands. Business Insurance Brokers LLC is not affiliated with, endorsed by, sponsored by, or in any way officially connected to any of these franchise brands or their parent companies. All trademarks and brand names are the property of their respective owners.

8. Intellectual Property

The content of this website — including text, page layouts, SEO content, quote form structures, and the selection and arrangement of information — is the property of Business Insurance Brokers LLC and is protected by applicable intellectual property laws.

You may view and use the content of this website for your personal, non-commercial use in connection with obtaining insurance quotes. You may not:

• Copy, reproduce, republish, or distribute any content from this website for commercial purposes without our prior written consent;
• Scrape, crawl, or extract content from this website using automated means;
• Remove or alter any copyright, trademark, or other proprietary notices.

9. Disclaimer of Warranties

THIS WEBSITE AND ALL CONTENT, INFORMATION, AND SERVICES PROVIDED THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.

Business Insurance Brokers LLC does not warrant that this website will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not warrant that any information on this website is accurate, complete, reliable, current, or suitable for any particular purpose.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BUSINESS INSURANCE BROKERS LLC, ITS MEMBERS, MANAGERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THIS WEBSITE OR RELIANCE ON ANY INFORMATION PROVIDED HEREIN, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability to you for any claim arising out of or relating to these Terms or your use of this website shall not exceed one hundred dollars ($100.00).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

11. Indemnification

You agree to indemnify, defend, and hold harmless Business Insurance Brokers LLC and its members, managers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of this website; (b) any information you submit through this website that is inaccurate, incomplete, or misleading; or (c) your violation of these Terms of Use.

12. Third-Party Links

This website may contain links to third-party websites. These links are provided for your convenience only. Business Insurance Brokers LLC has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them. The inclusion of any link does not imply endorsement by Business Insurance Brokers LLC.

13. Governing Law & Dispute Resolution

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Washington, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms or your use of this website shall be resolved in the state or federal courts located in Washington State, and you consent to the personal jurisdiction of such courts.

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

14. Changes to These Terms

Business Insurance Brokers LLC reserves the right to modify these Terms of Use at any time. When we make changes, we will update the "Last Updated" date at the top of this page. Your continued use of this website after any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

15. Contact Us

If you have any questions about these Terms of Use, please contact us: