Terms of Use

By accessing or using this website, you agree to these Terms of Use (the "Terms"). If you do not agree, do not use this website.

These Terms apply to all pages, forms, and communications initiated through this site.

Nothing on this website is an offer to sell insurance or a guarantee that coverage can be placed. Any coverage discussion, estimate, or illustration is for general informational purposes only.

Insurance coverage is subject to eligibility, underwriting, carrier acceptance, and the final policy terms issued by the insurance company. Coverage is not bound unless and until confirmed in writing by an authorized representative of the applicable insurer (or as otherwise documented through an approved binding process).

Content on this website is provided for informational purposes and should not be relied upon as legal, tax, accounting, or investment advice. You should consult your own professional advisors regarding your specific situation.

Insurance decisions involve material tradeoffs. You are responsible for reviewing policy documents and making your own coverage decisions.

If you submit information through our forms or otherwise contact us, you represent that the information you provide is accurate and that you have authority to share it.

Do not submit sensitive personal information (for example, Social Security numbers, detailed medical records, or payment card data) through website forms. If sensitive information is required for your request, we will coordinate a secure method.

By providing contact information, you request that we respond to your inquiry and you authorize us to contact you using the information you provide (including by phone and email) for purposes related to your request. You may opt out of non-essential communications at any time by telling us during a call or through our contact page.

You may use this website only for lawful purposes. You agree not to:

• Interfere with or disrupt the website, servers, or networks.
• Attempt to access non-public areas or systems.
• Use automated tools to scrape, harvest, or collect data from the website.
• Upload or transmit malicious code.
• Misrepresent your identity or your relationship to any person or organization.

All content on this website, including text, graphics, logos, and design elements, is owned by Statera Insurance Group or its licensors and is protected by intellectual property laws. You may not copy, reproduce, modify, distribute, or create derivative works from this website except as expressly permitted in writing.

This website may reference or link to third-party websites or services. We do not control those third parties and are not responsible for their content, security, or practices. Your use of third-party sites is at your own risk and subject to their terms and policies.

THIS WEBSITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the website will be uninterrupted, error-free, or free of harmful components.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STATERA INSURANCE GROUP WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THIS WEBSITE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE WEBSITE OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100).

You agree to indemnify and hold harmless Statera Insurance Group and its owners, employees, contractors, and agents from and against claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your misuse of the website, your violation of these Terms, or your violation of any applicable law or third-party rights.

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any dispute arising out of or related to these Terms or the website will be brought exclusively in the state or federal courts located in Florida, and you consent to their jurisdiction.

We may update these Terms from time to time. Updates will be posted on this page with a revised "Updated" date. Your continued use of the website after an update constitutes acceptance of the updated Terms.