These Terms of Service (“Terms”) govern your use of insurali.io (the “Website”), which is operated by Tampa Bay Insurance LLC (“Tampa Bay Insurance,” “we,” “us,” or “our”). By using the Website or submitting a quote request, you agree to these Terms. If you do not agree, please do not use the Website.
1About Us
Tampa Bay Insurance LLC is a licensed Florida insurance agency. Insurali is the name we use for this Website. We are an independent agency that works with multiple insurance carriers. We are not an insurance company: policies are issued by the carrier you choose, and the carrier makes all underwriting, pricing and claims decisions.
If you buy a policy through us, we are typically paid a commission by the insurance carrier. You do not pay us a separate fee to compare quotes.
2Eligibility
You must be at least 18 years old to use the Website. We currently provide quotes to Florida residents only. By submitting a quote request, you confirm that the information you provide is accurate and that the phone number is yours.
Inaccurate or incomplete information can lead to incorrect quotes, a different final price, or the carrier declining or cancelling coverage.
3How Quote Requests Work
- After you submit your request, a licensed agent from Tampa Bay Insurance will contact you by text message and phone.
- To prepare accurate quotes, the agent may ask for more information, such as your driver’s license details, vehicle information, and a copy of your current policy.
- Quotes are estimates until the carrier completes its review. The final price and eligibility are decided by the carrier.
- We cannot guarantee that any particular carrier will offer you coverage.
- You are under no obligation to buy a policy or switch carriers.
4Calls & Text Messages
By submitting a quote request, you agree that Tampa Bay Insurance LLC (doing business as Insurali) may contact you at the number you provide about insurance options, including by automated means, text message and prerecorded message.
Consent is not a condition of purchase. Message frequency varies. Message and data rates may apply. Reply STOP to any text to opt out, or HELP for help, or call us at (727) 372-5559. See our Privacy Policy for how we handle your information.
5Intellectual Property
The content of this Website, including text, graphics, logos and software, belongs to Tampa Bay Insurance LLC or its licensors and is protected by copyright and trademark laws. Carrier names and logos belong to their respective owners and are shown only to identify the carriers we work with.
You may view the Website for your personal, non-commercial use. You may not copy, distribute or modify its content without our written permission.
6Disclaimers
NO GUARANTEE OF SAVINGS OR COVERAGE. We do not guarantee that you will save money, receive a lower rate, or be offered coverage by any carrier.
GENERAL INFORMATION. Content on this Website is general information, not advice about your specific situation. Your coverage is governed by the terms of the policy the carrier issues. For advice about your needs, speak with one of our licensed agents.
CARRIER DECISIONS. Insurance carriers make their own underwriting, pricing, policy and claims decisions, and we are not responsible for them.
7Limitation of Liability
To the fullest extent permitted by law, Tampa Bay Insurance LLC and its owners, employees and agents are not liable for any indirect, incidental, special or consequential damages arising from your use of the Website. The Website is provided “as is,” and we do not promise it will always be available or error-free.
8Indemnification
You agree to indemnify and hold harmless Tampa Bay Insurance LLC from claims, damages and expenses (including reasonable attorneys’ fees) arising from your misuse of the Website, your violation of these Terms, or your violation of anyone else’s rights, including by submitting someone else’s information.
9Governing Law
These Terms are governed by the laws of the State of Florida. Any dispute arising from these Terms or your use of the Website will be resolved in the state or federal courts located in Pasco County, Florida.
Before filing a claim, you agree to first contact us in writing so we can try to resolve the issue informally.
10Changes to These Terms
We may update these Terms from time to time. We will post the updated Terms on this page with a new “Last updated” date. Your continued use of the Website after changes take effect means you accept the updated Terms.
11Contact Us
Questions about these Terms can be sent to:
Tampa Bay Insurance LLC