Acceptance of these Terms
By accessing or using this website, submitting information, uploading documents, requesting a quote, or using our digital insurance tools, you agree to these Terms of Use and our Privacy Policy. If you do not agree, do not use the affected service.
Independent insurance agency
Cox & Associates Insurance Services, LLC is an independent insurance agency. We are not the insurance carrier unless expressly stated otherwise. Insurance policies, binders, endorsements, declarations, carrier notices, and other carrier-issued documents control the actual terms, conditions, exclusions, limits, and effective dates of coverage.
No coverage created by website activity
Completing an application, receiving an indication or quote, viewing a comparative rate, uploading documents, requesting binding, or making a payment does not by itself create insurance coverage. Coverage is effective only when binding has been authorized and confirmed by the applicable insurance carrier or other authorized representative.
Quotes, indications, and comparative-rater results
Rates, indications, eligibility results, carrier options, and comparative-rater outputs are informational until confirmed by the applicable carrier. Results may depend on underwriting rules, classifications, state availability, loss history, inspections, credit or insurance scores where permitted, carrier appetite, and other underwriting information.
Carrier systems, APIs, and third-party quoting platforms may change or become unavailable without notice. We do not guarantee that every available carrier, program, rate, endorsement, or coverage option will appear in a digital comparison.
Your responsibility for submitted information
You are responsible for providing complete and accurate information and for reviewing applications, schedules, extracted data, quotes, and other submission information before relying on or approving them. Material omissions or incorrect information can affect eligibility, pricing, claims, or coverage.
Document uploads and AI-assisted processing
Our systems may use automated tools, including artificial intelligence and document-extraction technology, to organize or prefill information from insurance documents and other materials you provide. These tools are intended to assist the insurance process and may make mistakes. You must review and correct extracted or generated information before it is used for an application, quote, or binding request.
Third-party websites and insurance platforms
Our website may link to or integrate with insurance carriers, wholesalers, managing general agents, program administrators, payment providers, premium-finance companies, and technology platforms. Those services are operated by separate organizations and may be governed by their own terms, privacy policies, underwriting rules, and security practices.
Licensing and product availability
Insurance products and services are available only where permitted by law and where the agency, producer, carrier, and product are appropriately licensed or authorized. Availability varies by state, risk, carrier, and program. Nothing on this website is an offer of insurance in a jurisdiction where such an offer would be unlawful.
Permitted and prohibited use
You may use this website for legitimate insurance, educational, and business purposes. You may not attempt to interfere with website operation, bypass security controls, gain unauthorized access, introduce malicious code, submit fraudulent information, impersonate another person or business, or use automated means to abuse or overload our systems.
You may not scrape, harvest, systematically copy, reverse engineer, or commercially exploit proprietary website content, comparative-rater logic, carrier-routing logic, software, data structures, forms, or other protected materials, except for ordinary indexing by legitimate search engines or as otherwise authorized in writing.
Intellectual property
Website content, branding, designs, software, workflows, text, graphics, rater logic, and other original materials are owned by or licensed to Cox & Associates Insurance Services, LLC and are protected by applicable intellectual-property laws. No rights are transferred except the limited right to use the website in accordance with these Terms.
Electronic communications
When you communicate with us electronically, you consent to receive responsive communications electronically where permitted by law. Electronic delivery does not replace any carrier or regulatory notice that must be delivered by another method.
Informational content and professional advice
General website content is provided for informational purposes and does not amend an insurance policy, create coverage, guarantee claim payment, or constitute legal, tax, accounting, or other professional advice. Coverage questions must be evaluated using the applicable policy forms, endorsements, carrier rules, and specific facts.
Website availability and disclaimers
We work to keep our website and digital services accurate and available, but we do not warrant that they will always be uninterrupted, error-free, complete, or current. To the fullest extent permitted by law, the website and its general informational content are provided without warranties beyond those that cannot lawfully be disclaimed.
Limitation of liability
To the fullest extent permitted by law, Cox & Associates Insurance Services, LLC will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising solely from use of, inability to use, or reliance on this website or a third-party website. Nothing in these Terms limits obligations that cannot lawfully be limited, including obligations arising under applicable insurance, consumer-protection, or other mandatory law.
Indemnification
You agree to be responsible for losses, claims, or expenses arising from your unlawful use of the website, your violation of these Terms, or fraudulent or unauthorized information you knowingly submit, to the extent permitted by law.
Changes to these Terms
We may update these Terms as our services, technology, carrier integrations, or legal obligations change. The effective date above identifies the current version. Continued use after an updated version is posted constitutes acceptance of the revised Terms for future use of the website.
Governing law and severability
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where federal law or another jurisdiction's mandatory law applies. If any provision is found unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.
Questions about these Terms
Contact Cox & Associates Insurance Services, LLC at info@cox-insurance.com, call 833-821-7672, or write to PO Box 21192, Tampa, FL 33622-1192.