Terms of Use
Effective Date: March 18, 2026
Welcome to usgins.com (the “Website”), owned and operated by USG Insurance Services, Inc. and its affiliates (“USG,” “we,” “our,” or “us”).
By accessing or using this Website, you agree to comply with and be bound by these Terms of Use. If you do not agree with these Terms, please do not use this Website.
1. Use of Website
This Website is provided for general informational purposes only regarding our insurance products, services, and capabilities. Nothing on this Website constitutes an offer to sell, a solicitation to buy, or a recommendation of any insurance product.
You agree to use this Website only for lawful purposes and in accordance with these Terms.
You may not:
Use the Website in any way that violates applicable federal, state, or local laws.
Attempt to gain unauthorized access to any portion of the Website or its systems.
Interfere with the proper functioning of the Website.
Use automated systems (bots, scrapers, etc.) without written permission.
2. No Professional Advice
Information provided on this Website is for general informational purposes only and does not constitute legal, tax, financial, or insurance advice.
Coverage descriptions are summaries only and are subject to the terms, conditions, limitations, and exclusions of the actual insurance policies. Coverage may not be available in all jurisdictions.
You should consult with a licensed insurance professional regarding your specific situation.
3. Licensing, Regulatory Compliance, and Wholesale Distribution
USG Insurance Services, Inc. and its affiliates operate as a wholesale insurance broker and/or managing general agent (MGA) and transact business through duly licensed retail insurance agents and brokers.
USG does not generally solicit insurance directly from the public. Insurance products and services described on this Website are available only through properly licensed insurance professionals and may not be available in all states or jurisdictions.
Nothing on this Website shall be construed as:
An offer to sell insurance directly to any insured;
A solicitation of insurance in any jurisdiction where USG is not properly licensed or authorized;
A representation that coverage is available in any particular jurisdiction; or
A binder or confirmation of insurance coverage.
Insurance coverage cannot be bound, altered, or amended via this Website, electronic submission, voicemail, or email unless expressly confirmed in writing by an authorized underwriting representative of USG, subject to applicable underwriting guidelines and carrier authority.
Where USG acts as a managing general agent, underwriting authority is exercised pursuant to agreements with authorized insurance carriers and subject to applicable state insurance laws and regulations.
All insurance products are subject to underwriting approval, carrier requirements, policy terms, conditions, exclusions, and applicable regulatory approval.
4. Intellectual Property
All content on this Website, including but not limited to:
Text
Graphics
Logos
Icons
Images
Videos
Software
is the property of USG or its content suppliers and is protected by intellectual property laws.
You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise use Website content without prior written permission.
5. Third-Party Links
This Website may contain links to third-party websites for your convenience. USG does not control and is not responsible for the content, policies, or practices of any third-party websites.
Accessing third-party sites is at your own risk.
6. Disclaimer of Warranties
This Website and its content are provided “as is” and “as available” without warranties of any kind, either express or implied.
USG does not warrant that:
The Website will be uninterrupted or error-free.
The Website is free of viruses or harmful components.
The information provided is complete, accurate, or current.
7. Limitation of Liability
To the fullest extent permitted by law, USG shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of this Website.
This includes, but is not limited to:
Loss of profits
Loss of data
Business interruption
8. Indemnification
You agree to indemnify and hold harmless USG, its officers, directors, employees, affiliates, and agents from and against any claims, damages, liabilities, costs, or expenses arising from your violation of these Terms or misuse of the Website.
9. Privacy
Your use of this Website is also governed by our Privacy Policy. Please review our Privacy Policy for information about how we collect, use, and protect your information.
10. Modifications
USG reserves the right to modify these Terms at any time without prior notice. Changes will be effective upon posting to the Website.
Your continued use of the Website after changes are posted constitutes acceptance of those changes.
11. Governing Law and Jurisdiction
This Website is controlled and operated from the United States.
These Terms of Use shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.
To the extent permitted by applicable law, any dispute arising out of or relating to these Terms or use of this Website shall be brought exclusively in the state or federal courts located in the State of Florida.
Nothing in these Terms shall be interpreted to limit, waive, or restrict any rights, obligations, or remedies available under applicable state insurance statutes or regulations.
12. Contact Information
If you have any questions regarding these Terms of Use, please contact:
USG Insurance Services, Inc.
Corporate Headquarters Address:
3810 Northdale Boulevard, Suite 190,Tampa, FL 33624
(844) 467-5465