Terms of Service

1. Agreement to Terms

By accessing or using the Bulls Insurance Group LLC website (the "Site") or any of our services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use our Site or services. These Terms apply to all visitors, clients, and prospective clients.

2. Services Description

Bulls Insurance Group LLC is a licensed insurance brokerage in the State of Florida. We assist clients in obtaining insurance coverage from various third-party insurance carriers. Our services include but are not limited to:

• Providing insurance quotes from multiple carriers
• Assisting with policy selection, binding, and placement
• Servicing existing insurance policies
• Providing guidance on coverage needs and risk management
• Facilitating claims communication with insurance carriers

3. No Insurance Contract

Nothing on this website constitutes an insurance contract, policy, binder, or guarantee of coverage. Insurance coverage is only effective upon issuance of a written policy by a licensed insurance carrier and payment of required premiums. Any quotes provided are estimates only and are subject to underwriting approval.

4. Accuracy of Information

You agree to provide accurate, complete, and truthful information when submitting forms, requesting quotes, or applying for coverage. Misrepresentation or omission of material facts may result in policy cancellation, claim denial, or other consequences under Florida insurance law.

5. Intellectual Property

All content on this website, including but not limited to text, logos, images, graphics, and design elements, is the property of Bulls Insurance Group LLC or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our express written consent.

6. Limitation of Liability

To the fullest extent permitted by law, Bulls Insurance Group LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services. Our total liability in connection with any claim shall not exceed the amount of fees paid by you to us in the twelve months preceding the claim.

7. Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of viruses or other harmful components.

8. Third-Party Links

Our website may contain links to third-party websites for your convenience. These links do not constitute an endorsement of such sites. We have no control over and assume no responsibility for the content or privacy practices of any third-party sites.

9. Communications Consent

By submitting your contact information through our website, you consent to receiving communications from Bulls Insurance Group LLC via phone, text message, or email regarding your insurance inquiries. You may opt out at any time by contacting us or following the unsubscribe instructions in any communication.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Florida.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Changes become effective upon posting to the website. Your continued use of the website after any changes constitutes your acceptance of the updated Terms. We encourage you to review this page periodically.

12. Contact

For questions regarding these Terms, please contact us: