1. Acceptance of Terms
By accessing or using the website of Sure Insurance and More ("we", "our", or "the Agency"), located at this domain, or by requesting a quote or using any of our insurance advisory services, you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy, which is incorporated herein by reference. If you do not agree with any part of these Terms, please discontinue your use of our website and services.
These Terms constitute a legally binding agreement between you and Sure Insurance and More, an independent insurance agency licensed in the state of Florida and in more than 27 U.S. states, with its principal office at 8400 Nw 36th St Suite 450 Doral Fl 33166.
2. Description of Services
Sure Insurance and More is a licensed independent insurance agency that acts as an intermediary between consumers — individuals, families, and businesses — and licensed insurance carriers. Our services include, but are not limited to:
- Providing comparative insurance quotes for health, auto, home, commercial, life, and supplemental coverage.
- Assisting clients in selecting and enrolling in insurance plans, including plans available through the federal and state Health Insurance Marketplaces (ACA/Marketplace).
- Supporting clients with policy renewals, coverage adjustments, and claims navigation.
- Providing general educational information about insurance products and the enrollment process.
- Offering complementary services such as tax preparation assistance and notary services, where available.
We act as your agent, not as an insurance carrier. We do not underwrite, issue, or guarantee any insurance policy. All coverage is subject to the terms, conditions, and exclusions of the policy issued by the applicable insurance carrier.
3. Use of the Website
You agree to use this website only for lawful purposes and in a manner consistent with these Terms. Specifically, you agree not to:
- Submit false, misleading, or fraudulent information through any contact or quote form.
- Attempt to gain unauthorized access to any part of the website or its underlying systems.
- Use automated tools, bots, or scrapers to harvest content or data from the website without our prior written consent.
- Transmit any viruses, malware, or other harmful code through the website.
- Use the website to impersonate any person or entity or misrepresent your affiliation with any person or entity.
- Use any information obtained from this website to contact other users without their consent.
We reserve the right to suspend or terminate access to our website and services for any user who violates these Terms.
4. Eligibility
Our services are intended for individuals who are 18 years of age or older and who reside in a U.S. state where we hold an active insurance producer license. By using our services, you represent and warrant that you meet these requirements.
If you are requesting insurance on behalf of a business or organization, you represent that you have the authority to bind that entity to these Terms.
5. Quotes and Coverage
Any insurance quote provided through our website or by our advisors is an estimate based on the information you provide. Quotes are not binding offers of coverage and are subject to change based on underwriting review by the applicable carrier.
You are responsible for providing accurate and complete information when requesting a quote. Providing false or incomplete information may result in denial of coverage, policy rescission, or claim denial by the insurance carrier.
We do not guarantee the availability, price, or terms of any specific insurance product. Insurance availability and pricing vary by state, carrier, and individual risk profile.
6. No Legal or Financial Advice
The information provided on this website and by our advisors is for general informational purposes only and does not constitute legal, tax, financial, or professional advice. Our advisors are licensed insurance producers, not attorneys, tax professionals, or financial advisors.
Before making any insurance decision with significant financial or legal implications, you should consult an independent attorney, tax advisor, or certified financial planner as appropriate. Nothing on this website creates an attorney-client, fiduciary, or advisory relationship beyond the scope of insurance intermediary services.
7. ACA and Government Program Assistance
When we assist you with enrollment in a health plan through the federally facilitated Marketplace (FFM) or a state-based marketplace, we act as a licensed agent registered with the Centers for Medicare & Medicaid Services (CMS) under 45 C.F.R. §155.220. Our role is limited to assisting with plan selection and enrollment; we do not make eligibility determinations on behalf of any government agency.
Eligibility for Advance Premium Tax Credits (APTCs), Cost-Sharing Reductions (CSRs), Medicaid, CHIP, or other government subsidies is determined exclusively by the applicable government agency or marketplace. We make no guarantees regarding eligibility or subsidy amounts.
8. Compensation Disclosure
As an independent insurance agency, Sure Insurance and More is compensated through commissions paid by insurance carriers when a policy is placed. This compensation does not increase the premium you pay. We may also receive bonus or contingent compensation from certain carriers based on the volume or profitability of business placed.
We will disclose our compensation structure to you upon request at any time before or after a policy is bound.
9. Intellectual Property
All content on this website — including but not limited to text, graphics, logos, icons, images, audio, and software — is the property of Sure Insurance and More or its content suppliers and is protected by applicable U.S. copyright, trademark, and other intellectual property laws.
You may access and print pages from this website for your personal, non-commercial use. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content from this website without our prior written permission.
The Sure Insurance and More name, logo, and any associated product and service names are trademarks or trade names of Sure Insurance and More. All other trademarks referenced on this website are the property of their respective owners.
10. Third-Party Links and Services
Our website may contain links to third-party websites or services, including insurance carrier portals, government marketplace platforms (such as Healthcare.gov), and payment processors. These links are provided for your convenience only. We do not control and are not responsible for the content, privacy practices, or terms of any third-party website.
Your access to and use of linked third-party websites is subject to those sites' own terms and privacy policies. We encourage you to review them before providing any personal information.
11. Disclaimer of Warranties
This website and all content, services, and information provided herein are offered on an "AS IS" and "AS AVAILABLE" basis, without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy.
We do not warrant that the website will be available at all times, uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant that the information on this website is complete, accurate, up to date, or applicable to your specific situation.
12. Limitation of Liability
To the maximum extent permitted by applicable law, Sure Insurance and More, its officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to loss of profits, data, use, goodwill, or other intangible losses — arising from:
- Your access to or use of (or inability to access or use) this website or our services.
- Any content or information obtained from this website.
- Unauthorized access to or alteration of your transmissions or data.
- Statements or conduct of any third party on the website.
- Coverage disputes, claim denials, or other actions or inactions of the insurance carriers with whom you are placed.
Our total aggregate liability to you for any claim arising under these Terms shall not exceed the greater of (a) the total commissions earned by us in connection with the specific policy at issue, or (b) one hundred U.S. dollars (USD $100). Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation may not apply to you.
13. Indemnification
You agree to defend, indemnify, and hold harmless Sure Insurance and More and its officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from or related to: (a) your violation of these Terms; (b) false or inaccurate information you provided to us; (c) your use of the website in violation of applicable law; or (d) your infringement of any third-party rights.
14. Telephone and Electronic Communications
By submitting a contact or quote request form on our website, you consent to receive calls, text messages, and emails from Sure Insurance and More for the purpose of following up on your inquiry. You may opt out of marketing communications at any time. For details regarding your telephone consent rights under the TCPA and how to revoke consent, please refer to our Privacy Policy.
15. Modifications to These Terms
We reserve the right to modify these Terms at any time. When we make material changes, we will provide notice by email (where we hold your address) and update the "Last updated" date at the top of this page at least 15 days before the changes take effect. For non-material updates, we will update the date without prior notice.
Your continued use of our website or services after any modification constitutes your acceptance of the updated Terms. If you do not agree to the modified Terms, you should discontinue use of our services.
16. Governing Law and Dispute Resolution
These Terms and any dispute arising from your use of our services shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict-of-law principles. You agree to submit to the exclusive personal jurisdiction of the state and federal courts located in Miami-Dade County, Florida, for resolution of any dispute arising under these Terms.
Before initiating any formal legal proceeding, you agree to contact us first at the information provided in Section 17 to attempt to resolve the dispute informally within 30 days.
17. Contact Us
If you have questions, concerns, or requests regarding these Terms of Service, please contact us:
- Company: Sure Insurance and More
- Address: 8400 Nw 36th St Suite 450 Doral Fl 33166
- Phone: (305) 796-4649
- Email: sureinsurance1@gmail.com
We will acknowledge your request within 5 business days and provide a full response within 30 calendar days.