Terms and Conditions

Effective Date: July 16, 2026

These Terms and Conditions govern your use of the Access Insurance Underwriter, LLC website and its related forms, links, content, and online services.

In these Terms, “Access Insurance,” “we,” “us,” and “our” refer to Access Insurance Underwriter, LLC. “You” and “your” refer to the person using the website.

By using the website, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the website.

General Insurance Information

The information on this website is provided for general educational and informational purposes. It is not legal, tax, financial, claims, or insurance advice for a specific situation.

Insurance coverage varies by carrier, policy, location, eligibility, underwriting requirements, exclusions, limits, deductibles, and endorsements. The terms of an issued insurance policy control over any summary or general description appearing on this website.

You should review your policy documents and discuss questions with a licensed insurance professional.

Quotes, Applications, and Coverage

Submitting a form, requesting a quote, connecting a current policy, speaking with an employee, or receiving an estimated premium does not create or change insurance coverage.

Coverage is not bound, issued, changed, renewed, or canceled unless confirmed through the required process by an authorized representative or insurance carrier.

Quotes are estimates based on the information available at the time. A carrier may change eligibility, coverage, or pricing after reviewing reports, inspections, underwriting information, replacement-cost estimates, claims history, driving information, property information, or other relevant records.

You are responsible for providing complete and accurate information. Incomplete or inaccurate information may affect a quote, application, premium, eligibility, or coverage.

Do not rely on email, voicemail, a website form, or a text message to bind, change, renew, or cancel coverage unless you receive clear confirmation that the requested action has been completed.

No Guarantee of Availability or Savings

Access Insurance is an independent insurance agency that works with multiple insurance markets. We do not represent that every insurance carrier or product is available through our agency.

We do not guarantee that insurance will be offered, that a particular carrier will accept an application, or that a quote will be the lowest available price.

Insurance availability and pricing depend on individual circumstances and carrier underwriting requirements.

Claims and Emergencies

Do not use a general website form or text message for an emergency or urgent claim matter.

If you need to report a claim, follow the claim-reporting instructions provided by your insurance carrier or contact our office during normal business hours for assistance.

Calling or contacting Access Insurance does not replace any policy requirement to provide timely notice directly to an insurance carrier.

If there is an immediate threat to life or property, contact emergency services.

Website Accuracy

We work to keep website information accurate and current, but insurance products, carrier availability, laws, rates, underwriting rules, and coverage options can change.

We do not guarantee that every page is complete, current, or error-free. We may update, remove, or correct website content without notice.

Third-Party Services and Links

The website may link to or embed services operated by other organizations, including:

Third-party websites and services have their own terms, privacy practices, security measures, and availability. Access Insurance does not control and is not responsible for third-party content or services.

A link does not necessarily mean that Access Insurance endorses every statement, product, or service offered by the third party.

Acceptable Use

You agree not to:

We may restrict access to the website if we reasonably believe it is being misused.

Intellectual Property

The website’s original text, design, branding, graphics, logos, videos, and other content are owned by or licensed to Access Insurance unless otherwise stated.

You may view and print website content for your personal, noncommercial use. You may not reproduce, modify, publish, sell, or commercially distribute our content without written permission.

Third-party names, logos, trademarks, and content remain the property of their respective owners.

SMS Terms and Conditions

SMS Consent

You may opt in to receive text messages from Access Insurance by checking an SMS consent box, submitting a form that clearly includes SMS consent, or providing consent through another documented method.

By opting in, you authorize Access Insurance to send recurring text messages to the telephone number you provided. Consent to receive text messages is not a condition of purchasing an insurance product or service.

You represent that you are the subscriber or customary user of the telephone number provided and that you have authority to give this consent.

Types of Messages

Messages may include:

Promotional messages will only be sent when permitted by law and supported by the appropriate consent.

Message Frequency and Charges

Message frequency varies and may be up to five messages per week, depending on your request and service needs.

Message and data rates may apply. Your mobile carrier’s terms and charges will apply.

Opting Out

You may withdraw consent at any time by replying STOP to a text message.

You may also revoke consent by contacting us at support@accessaip.com or (844) 755-0440. We will process opt-out requests promptly and as required by applicable law.

After you opt out, we may send one final message confirming that your request has been processed. We may continue to contact you through non-SMS methods when necessary to respond to your request or service your account.

Help

For SMS assistance, reply HELP, email support@accessaip.com, or call (844) 755-0440.

Privacy of SMS Information

We do not sell SMS opt-in consent or telephone numbers collected for SMS purposes.

SMS consent and telephone numbers will not be shared with third parties or affiliates for their own marketing or promotional purposes.

We may provide limited information to communications providers that help us deliver and manage messages on our behalf.

Delivery

Mobile carriers are not responsible for delayed or undelivered messages. Message delivery may be affected by your device, carrier, location, network availability, or other factors outside our control.

Text messaging is not monitored continuously and should not be used to report emergencies, bind or change coverage, cancel a policy, or report a time-sensitive claim.

Disclaimer of Warranties

The website and its content are provided on an “as available” basis.

To the fullest extent permitted by law, Access Insurance disclaims warranties concerning the website’s uninterrupted availability, accuracy, security, or fitness for a particular purpose.

Nothing in this section changes any rights or obligations contained in an insurance policy or required by applicable law.

Limitation of Liability

To the fullest extent permitted by law, Access Insurance will not be liable for indirect, incidental, special, or consequential damages arising from your use of, or inability to use, the website.

This limitation does not apply where liability cannot legally be excluded or limited.

Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles.

Any dispute relating to the website or these Terms will be handled in a court with proper jurisdiction in Florida, unless applicable law requires otherwise.

Changes to These Terms

We may update these Terms as our website, services, or legal obligations change.

The revised Terms will be posted on this page with an updated effective date. Your continued use of the website after an update means that you accept the revised Terms.

Contact Us

Questions about these Terms may be directed to:

Access Insurance Underwriter, LLC
Email: support@accessaip.com
Phone: (844) 755-0440
Address: 2655 North Ocean Drive, suite 405, Singer Island, FL 33404