1. Nature of Services — Advisory / Consulting Only

By accessing https://bestinsuranceadvisor.site or contacting us at 1-888-241-9259 or info@bestinsuranceadvisor.site, you agree that Best Insurance Advisory provides advisory, consulting and referral services only. We help you understand options and connect you with licensed carriers/brokers.

• We do not act as insurer, MGA or claims administrator.
• We do not guarantee approval, pricing or availability of any product.
• All applications are subject to the carrier's underwriting, exclusions and state approvals.

2. No Legal, Tax or Financial Advice

Content on our site (articles, guides, comparisons) is general educational information, not legal, tax, medical or investment advice. Consult a qualified professional for those matters.

3. Quotes, Applications & Communications

• Estimates only: Quotes shown are based on information you provide and carrier rate filings at that time; final premiums may differ after underwriting (age, health, zip, driving record etc.).
• No coverage on submission: Submitting a form on contact.html does not create a policy. Coverage is effective only when you are approved and the carrier issues documents.
• Authorization: By submitting, you authorize us to share your details with the specific carriers/brokers you approve for quoting.
• Accuracy: You must provide true, complete information. Misrepresentation may void quotes or future claims per carrier rules.

4. User Responsibilities

• You are at least 18 years old.
• You will not misuse the site, interfere with security, scrape data, or submit false information.
• You comply with all applicable US federal and Delaware state laws.
• You keep your contact credentials secure; you notify us of unauthorized use.

5. Contact Form, Calls & Consent (TCPA)

By submitting our contact form or calling 1-888-241-9259, you expressly consent to be contacted by Best Insurance Advisory (advisory/consulting firm) at the phone/email you provided — including by automated/ prerecorded calls or texts — about insurance options, even if your number is on a federal/state Do-Not-Call list. Message frequency varies. Msg & data rates may apply. Consent is not a condition of purchase. Reply STOP to opt-out of texts or email info@bestinsuranceadvisor.site.

All form submissions are routed to info@bestinsuranceadvisor.site. See our Privacy Policy for handling.

6. Intellectual Property

All site content — text, design, logos, graphics, "Best Insurance Advisory" name — is owned by Best Insurance Advisory and protected by copyright/trademark. You may view/print for personal, non-commercial use only. No copying, reproduction, republishing or AI scraping without written permission.

7. Third-Party Links & Carriers

Links to carrier or external sites are for convenience. We do not control third-party content, policies or underwriting. Your dealings with carriers are solely between you and the carrier under their terms.

8. Disclaimer of Warranties

The site and advisory information are provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for purpose, accuracy or non-infringement. We do not warrant the site will be error-free or uninterrupted.

9. Limitation of Liability

To the fullest extent permitted by Delaware law, Best Insurance Advisory and its advisors, officers and agents shall not be liable for indirect, incidental, consequential, punitive or special damages, nor for carrier claim denials, coverage gaps, premium changes or business interruptions. Our aggregate liability is limited to the amount you paid to us for advisory services in the 12 months preceding the claim (or $100 if none). Some states do not allow this limitation — check your jurisdiction.

10. Indemnity

You agree to indemnify and hold harmless Best Insurance Advisory from claims, losses, liabilities and expenses (including attorney fees) arising from your breach of these terms, your misuse of the site, or inaccurate information you provide.

11. Governing Law & Disputes

These terms are governed by the laws of the State of Delaware, USA, without regard to conflicts. Any dispute shall be filed exclusively in the state or federal courts of Sussex County, Delaware, and you consent to jurisdiction there. In lieu of litigation, parties may mutually agree to mediation in Lewes, DE.

• Severability: If any clause is unenforceable, the rest remains in effect.
• Waiver: Failure to enforce is not a waiver.
• Entire Agreement: These terms plus Privacy Policy constitute the full agreement for site use.

12. Changes to Terms

We may update these terms at any time. The revised version will be posted at https://bestinsuranceadvisor.site/terms-and-conditions.html with a new Effective Date. Continued use after changes means you accept them. Material changes may be notified via site banner or email if you provided one.

13. Contact

Questions about these Terms?

Best Insurance Advisory
16192 Coastal Highway, Lewes, DE 19958, USA
Email: info@bestinsuranceadvisor.site
Phone: 1-888-241-9259 (Mon-Sat 8AM-8PM EST)
Website: https://bestinsuranceadvisor.site
Also see: Privacy Policy • Contact Us