These Terms & Conditions (“Terms”) govern your use of the Empire Insurance Group LLC website and your interactions with Empire Insurance Group LLC (“Empire Insurance Group,” “we,” “us,” or “our”). By accessing or using this website, you agree to these Terms. If you do not agree, please do not use this website.
Important: Information provided on this website is for general informational purposes only and does not constitute a binder, policy, guarantee of coverage, guarantee of eligibility, or guarantee of price. Coverage is subject to underwriting, carrier guidelines, policy terms, eligibility requirements and applicable state regulations. Insurance products and availability may vary by state, carrier and individual eligibility.
1. Website Use
- You agree to use this website only for lawful purposes and in accordance with these Terms.
- You agree not to misuse the website, interfere with its operation, attempt unauthorized access, or submit false or misleading information.
- We may modify, suspend or discontinue any part of the website at any time without notice.
2. Insurance Information
The content on this website — including descriptions of Auto, Home, Life, Health and Commercial insurance — is provided for general informational purposes. It is not an offer, solicitation, binder, contract or commitment to insure, and it does not modify, amend or expand any policy terms. Actual coverage, when issued, is governed solely by the terms, conditions and exclusions of the issued policy.
3. Quote Requests
Submitting a quote request through this website does not create a policy, binder, agency relationship obligation, guarantee of coverage, guarantee of eligibility, or guarantee of price. A quote request is an inquiry that our team will review. Any quote provided is subject to verification of the information you supply, underwriting and carrier guidelines.
4. Eligibility
Eligibility for any insurance product depends on the underwriting requirements of the applicable carrier, the information you provide, your individual circumstances and applicable state regulations. We do not determine eligibility; carriers do.
5. Carrier Underwriting
All coverage is subject to underwriting by the applicable insurance carrier. Carriers may accept, decline, modify or non-renew coverage applications based on their own guidelines and applicable law. We do not control underwriting decisions.
6. Coverage Availability
Insurance products and availability may vary by state, carrier and individual eligibility. Not every product described on this website is available in every state or in every circumstance.
7. Service Availability
Empire Insurance Group LLC helps clients review insurance options in available markets. We do not claim nationwide coverage. Services and product availability may vary by location and carrier.
8. Third-Party Carriers
Insurance coverage may be placed with third-party insurance carriers. We are not responsible for the acts, omissions, underwriting decisions, claim handling, solvency or policy terms of any carrier. Your relationship with any carrier is governed by that carrier’s own agreements, policies and applicable law.
9. Electronic Communications
By using this website or submitting your contact information, you agree that we may communicate with you electronically (by phone, SMS/text message, WhatsApp, email or other means) regarding your inquiries, quote requests, appointments and, where you have consented, service updates and occasional promotional messages.
10. SMS Communications
SMS/text messages are sent only to individuals who provide consent by checking the SMS consent box on our forms. By opting in, you consent to receive SMS messages from Empire Insurance Group LLC regarding your insurance inquiry, quotes, appointments, service updates, and occasional promotional messages. Message frequency varies. Message and data rates may apply. Consent is not a condition of purchase.
- STOP: Reply STOP to any SMS message at any time to opt out of future messages.
- HELP: Reply HELP for assistance.
Mobile opt-in information and consent will not be sold or shared with third parties for their independent marketing purposes.
10A. SMS Messaging Terms
By expressly opting in to receive SMS communications from Empire Insurance Group LLC, you authorize Empire Insurance Group LLC to send text messages to the mobile number you provided.
Messages may include responses and follow-up regarding insurance inquiries, requested quote information, appointment confirmations and reminders, customer service communications, application or policy-related updates, and promotional communications where permitted by your consent.
Message frequency varies. Message and data rates may apply.
Reply STOP to unsubscribe from SMS messages at any time. Reply HELP for assistance.
Consent to receive SMS messages is not a condition of purchase.
Carriers are not liable for delayed or undelivered messages.
Empire Insurance Group LLC may modify or discontinue its SMS messaging program as permitted by applicable law.
11. WhatsApp Communication
WhatsApp is offered as an optional contact method. Use of WhatsApp is subject to WhatsApp’s own terms of service and privacy policy. Messages sent through WhatsApp may not be encrypted to the same standard as other channels; please do not share highly sensitive information (such as Social Security numbers or financial account details) through WhatsApp.
12. Appointment Requests
Requesting an appointment or consultation does not create a binding commitment on either party and does not constitute a guarantee of coverage, eligibility or price. Appointments are subject to availability and may be rescheduled or cancelled as needed.
13. Intellectual Property
All content on this website — including text, graphics, logos, images and design — is the property of Empire Insurance Group LLC or its content suppliers and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute or create derivative works from this content without our prior written permission.
14. Third-Party Links
This website may contain links to third-party websites, including social media platforms, WhatsApp and insurance carriers. We are not responsible for the content, policies or practices of any third-party website. Accessing third-party links is at your own risk.
15. Disclaimers
- This website is provided “as is” and “as available” without warranties of any kind, whether express or implied, to the fullest extent permitted by law.
- We do not warrant that the website will be uninterrupted, error-free or secure, or that any information provided is complete or current in all respects.
- Nothing on this website constitutes legal, tax, financial or investment advice.
- No life insurance product described on this website promises investment returns or tax results.
16. Limitation of Liability
To the fullest extent permitted by applicable law, Empire Insurance Group LLC and its owners, officers, employees and agents shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, data or goodwill, arising out of or related to your use of this website or your reliance on any information provided on it. This limitation does not affect any rights or obligations under an issued insurance policy or applicable law that cannot be limited.
17. Changes to These Terms
We may update these Terms from time to time. When we do, we will update the “Last updated” date at the top of this page. Your continued use of the website after changes are posted constitutes acceptance of the updated Terms.
18. Contact Us
If you have questions about these Terms & Conditions, please contact us:
- Empire Insurance Group LLC
- Phone: 786-719-2241
- Website: Contact Us
- See also our Privacy Policy