Terms of Service

1. Acceptance of Terms

By accessing or using the website https://empirecommercialinsurance.com (the "Site"), operated by Empire Commercial Insurance Agency LLC ("Empire," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site.

2. Description of Services

Empire Commercial Insurance Agency LLC is a licensed insurance agency that provides commercial insurance products and services to contractors and small businesses across the United States. Services available through the Site include quote requests for General Liability, Workers' Compensation, Surety Bonds, Umbrella/Excess Liability, and Builders Risk insurance.

The Site is intended for informational and lead-generation purposes. Submission of a quote request form does not constitute a binding insurance agreement. Coverage is subject to underwriting approval and the terms of the applicable insurance policy.

3. Eligibility

You must be at least 18 years of age and legally authorized to conduct business in the United States to use this Site and request insurance quotes. By using the Site, you represent and warrant that you meet these requirements.

4. Quote Requests and Communications

When you submit a quote request through our Site, you authorize Empire Commercial Insurance Agency LLC to contact you via phone, email, or text message (if you have provided SMS consent) to discuss your insurance needs. You acknowledge that:

• Quotes provided are estimates only and subject to change based on underwriting review.
• SMS/text message communications are only sent to users who have explicitly opted in via the optional marketing consent checkbox on our forms.
• You may opt out of SMS communications at any time by replying STOP to any text message.
• Consent to receive marketing messages is not required to obtain insurance products or services.

5. Accuracy of Information

You agree to provide accurate, current, and complete information when submitting forms on the Site. Providing false or misleading information may result in denial of coverage or cancellation of any policy issued. Empire is not liable for coverage gaps arising from inaccurate information provided by the user.

6. Intellectual Property

All content on the Site, including text, graphics, logos, images, and software, is the property of Empire Commercial Insurance Agency LLC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

7. Disclaimer of Warranties

THE SITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. EMPIRE DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, EMPIRE COMMERCIAL INSURANCE AGENCY LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9. Third-Party Links

The Site may contain links to third-party websites. These links are provided for your convenience only. Empire has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, 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 Texas.

11. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Site with a revised "Last updated" date. Your continued use of the Site after any changes constitutes your acceptance of the new Terms.

12. Contact Us

If you have questions about these Terms, please contact us: