Terms and Conditions

Last Updated: September 8, 2026

Welcome to the website of E&S Insurance ("Agency," "we," "us," or "our"). We are an independent insurance agency operating exclusively within the **State of Florida**. These Terms and Conditions ("Terms") govern your access to and use of our website, including any client portals, online quote generation tools, premium payment features, and active policy management systems (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our website or Services.

1. Scope of Services & Geographic Restriction
* **Florida Operations Only:** Our insurance lines, products, and services are intended solely for residents, property owners, and businesses located within the **State of Florida**. We do not offer insurance products, write policies, or operate outside of Florida.
* **Independent Agency Status:** As an independent insurance agency, we represent multiple third-party insurance carriers. We provide quotes, facilitate policy placement, and assist with service requests. However, the final underwriting decisions, policy pricing, policy issuance, and claims approvals are determined solely by the respective insurance carriers, not by us.

### 2. Client Portals & User Accounts
To access features such as online quote generation, premium payments, or active policy management, you may be required to register for a client portal account.
* **Account Security:** You are entirely responsible for maintaining the confidentiality of your portal credentials (username and password) and for any activities that occur under your account.
* **Prohibited Sharing:** You agree not to share your account credentials with any third party. You must notify us immediately of any unauthorized use of your account.
* **Termination:** We reserve the right to suspend or terminate your account or access to the portal at any time, without notice, for any conduct that we believe violates these Terms or is harmful to our business or other users.

### 3. Online Quote Generation & Information Accuracy
* **Quotes are Estimates Only:** Any insurance quotes generated through our website or client portals are non-binding estimates based on the information you provide. A quote does not constitute an offer of insurance.
* **Verification Required:** Final policy pricing and eligibility are subject to underwriting approval by the carrier and verification of background reports (e.g., motor vehicle records, claims history, property inspections).
* **Accuracy of Information:** You agree to provide true, accurate, current, and complete information when utilizing our quote tools or portal. Providing fraudulent or inaccurate information may result in the denial of a quote, cancellation of an active policy, or voiding of coverage by the carrier.

### 4. No Binding Coverage via Web Submissions
* **No Immediate Binding:** Submitting a request for a quote, filling out a contact form, sending an email, or inputting information via our portal **does not bind, alter, reinstate, or initiate insurance coverage**.
* **Confirmation Required:** No insurance policy or coverage adjustment becomes active until it has been explicitly confirmed, processed, and bound in writing by a licensed agent of E&S Insurance or the insurance carrier.

### 5. Online Premium Payments
* **Third-Party Processors:** Premium payments made online via our website or client portals may be processed directly by the respective insurance carriers or by third-party payment gateway vendors.
* **Payment Responsibility:** You are responsible for ensuring that payments are submitted with valid financial account details and with sufficient funds.
* **No Guarantee of Policy Reinstatement:** If your policy has lapsed or is pending cancellation, making an online payment submission does not automatically guarantee that the policy will be reinstated or kept active. Reinstatement is strictly subject to the underwriting guidelines and formal approval of the specific insurance carrier.

### 6. Intellectual Property Rights
All content, logos, graphics, text, icons, and software code on this website are the property of E&S Insurance or our licensors and are protected by United States and international copyright, trademark, and intellectual property laws. You may not copy, modify, distribute, or use any portion of our site without our express prior written consent.

### 7. Disclaimer of Warranties & Limitation of Liability
* **As-Is Basis:** This website and its Services are provided on an "as-is" and "as-available" basis without any warranties of any kind, either express or implied.
* **Limitation of Liability:** To the fullest extent permitted by law, E&S Insurance, its officers, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of, or inability to use, this website, the client portal, or any online services. This includes, but is not limited to, system downtimes, payment delays, or data breaches.

### 8. Governing Law & Jurisdiction
These Terms and your use of our website shall be governed by, construed, and enforced in accordance with the laws of the **State of Florida**, without regard to its conflict of law principles. Any legal action or proceeding relating to these Terms or the website shall be brought exclusively in a state or federal court of competent jurisdiction located in **Florida**.

### 9. Changes to These Terms
We reserve the right to modify or update these Terms at any time. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of the website or Services following the posting of changes constitutes your acceptance of the revised Terms.

### 10. Contact Information
If you have any questions or concerns regarding these Terms and Conditions, please contact us at:

**E&S Insurance** 
3400 Tamiami Trail Suite 102

Naples, FL 34103
239-261-5470