Terms & Conditions
Effective Date: January 1, 2026
By accessing or using the website of Professional Insurance Solutions, LLC ("Company," "we," "our," or "us"), you agree to comply with and be legally bound by these Terms and Conditions. If you do not agree to these terms, please do not use this website. These Terms and Conditions apply to all visitors, users, and anyone who accesses or uses our website.
1. Website Purpose and Scope
This website is intended solely for informational and business purposes related to insurance products, services, and general insurance guidance provided by Professional Insurance Solutions, LLC. The content published on this website is designed to provide general information about insurance topics and the services we offer. Nothing on this website constitutes legal, financial, or tax advice. Users should consult with a licensed professional for advice specific to their individual circumstances.
2. No Guarantee of Insurance Coverage
Information provided on this website, including any quotes, coverage descriptions, rate estimates, or policy summaries, does not constitute a binding offer, commitment, or guarantee of insurance coverage. All insurance products and policies remain subject to:
- •Underwriting review and approval by the issuing insurance carrier
- •Carrier-specific eligibility requirements and guidelines
- •Policy limitations, exclusions, and conditions
- •Applicable state and federal insurance laws and regulations
- •Payment of required premiums
- •Completion of any required applications or documentation
Coverage is not bound until confirmed in writing by the issuing insurance carrier and all applicable conditions have been met.
3. User Responsibilities and Prohibited Conduct
By using this website, you agree to:
- •Provide accurate, complete, and truthful information in all forms and communications
- •Use this website only for lawful purposes and in compliance with all applicable laws
- •Not engage in any activity that could damage, disable, or impair the website or its infrastructure
- •Not attempt to gain unauthorized access to any portion of this website or related systems
- •Not use automated tools, bots, or scrapers to extract data from this website
- •Not submit false, misleading, or fraudulent insurance applications or claims
- •Not upload or transmit viruses, malware, or any other malicious code
- •Not interfere with other users' ability to access or use this website
4. Intellectual Property Rights
All content appearing on this website, including but not limited to:
- •Logos, trademarks, and service marks
- •Text, articles, and written content
- •Graphics, images, photographs, and illustrations
- •Website design, layout, and structure
- •Software, code, and underlying technology
- •Brand elements and visual identity
are the exclusive property of Professional Insurance Solutions, LLC and are protected by applicable copyright, trademark, and intellectual property laws. No content from this website may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any form without the express prior written authorization of Professional Insurance Solutions, LLC. Unauthorized use of our intellectual property is strictly prohibited and may result in legal action.
5. Disclaimer of Warranties
This website and all content, services, and materials available through it are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. Professional Insurance Solutions, LLC expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that this website will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or reliability of any content on this website.
6. Limitation of Liability
To the maximum extent permitted by applicable law, Professional Insurance Solutions, LLC, its officers, directors, employees, agents, and affiliates shall not be liable for any:
- •Indirect, incidental, special, consequential, or punitive damages
- •Loss of profits, revenue, data, or business opportunities
- •Financial losses or damages arising from reliance on website content
- •Website downtime, technical errors, or service interruptions
- •Unauthorized access to or alteration of your data or communications
- •Actions or omissions of third-party service providers or insurance carriers
- •Content inaccuracies or errors
This limitation applies regardless of the theory of liability and even if we have been advised of the possibility of such damages. In jurisdictions that do not allow the exclusion of certain warranties or limitation of liability, our liability shall be limited to the maximum extent permitted by law.
7. Third-Party Links and Content
Our website may contain links to third-party websites, resources, or services for your convenience and informational purposes. These links do not constitute our endorsement of those websites or their content, products, or services. We have no control over third-party websites and are not responsible for their content, privacy practices, accuracy, or availability. Your use of any third-party website is at your own risk and subject to that website's own terms and conditions and privacy policy.
8. Privacy Policy
Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information. By using this website, you consent to the data practices described in our Privacy Policy.
9. Indemnification
You agree to defend, indemnify, and hold harmless Professional Insurance Solutions, LLC, its officers, directors, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms and Conditions, your use of the website, your submission of any information or content, or your violation of any rights of a third party.
10. Modifications to Terms
We reserve the right to modify, update, or revise these Terms and Conditions at any time at our sole discretion without prior notice. Any changes will be effective immediately upon posting the revised Terms and Conditions to our website. The "Effective Date" at the top of this page will reflect the date of the most recent revision. Your continued use of our website following the posting of any changes constitutes your acceptance of the revised Terms and Conditions. We encourage you to review these Terms and Conditions periodically.
11. Governing Law and Dispute Resolution
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions. Any dispute arising out of or relating to these Terms and Conditions or your use of this website shall be subject to the exclusive jurisdiction of the state and federal courts located in Wake County, North Carolina. You consent to personal jurisdiction in such courts and waive any objection to the laying of venue of any such proceeding in such courts.
12. Severability
If any provision of these Terms and Conditions is found to be unlawful, void, or unenforceable for any reason, that provision shall be deemed severable from these Terms and Conditions and shall not affect the validity and enforceability of any remaining provisions. The remaining provisions shall continue in full force and effect.
13. Contact Information
If you have questions or concerns about these Terms and Conditions, please contact us:
Professional Insurance Solutions, LLC
4818 Six Forks Road, Suite 102
Raleigh, NC 27609-5255
Phone: 580-258-5040