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Terms & Conditions

Last Updated: January 1, 2026 · Governing Law: Florida

1. Acceptance of Terms

By visiting or using this website, you confirm that you have read, understood, and accepted these Terms & Conditions and our Privacy Policy. If you disagree with any part of these terms, please stop using the site right away. These terms apply to every visitor, user, and anyone who accesses our services.

2. Nature of Our Service

Insurance Packages, Inc. is an independent insurance comparison platform and authorized reseller. We are NOT an insurance company, agency, or underwriter. Specifically:

  • We do not give insurance advice as defined by applicable insurance laws.
  • We do not bind or issue insurance policies ourselves.
  • We connect customers with licensed agents and carriers.
  • Final coverage choices are made only by licensed carriers and agents.
  • We earn a referral fee for connecting you with carriers — our service is completely free.

3. No Insurance Advice

No content on this website counts as professional insurance advice. Everything here is for general information only and is not a recommendation or endorsement of any specific product, carrier, or coverage. Please speak with a licensed insurance professional for advice suited to your situation.

4. No Liability for Third-Party Carrier Decisions

Insurance Packages, Inc. is not responsible or liable for the decisions third-party carriers make about accepting, denying, pricing, or setting the terms of any policy. Coverage availability, rates, and terms are decided solely by licensed carriers using their own underwriting rules. We make no guarantees about the availability, suitability, or price of any insurance product.

5. Intellectual Property

This website and all its original content, features, and functions belong to Insurance Packages, Inc. and are protected by applicable intellectual property laws. Third-party trademarks shown here, including Bristol West® and others, stay the property of their owners. Their appearance does not suggest any affiliation or endorsement.

6. Limitation of Liability

To the maximum extent allowed by law, Insurance Packages, Inc. will not be liable for any indirect, incidental, special, consequential, or punitive damages from your use of this site or our services. Our total liability for any claim tied to these terms will not exceed $100.

7. TCPA Consent

By sending a form or calling us, you clearly consent to receive phone calls, emails, and texts from Insurance Packages, Inc. and our network of licensed carriers about insurance quotes and coverage — even if your number is on a Do Not Call list. Standard message and data rates may apply. This consent isn't required to buy, and you can opt out anytime.

8. Governing Law

These Terms & Conditions are governed by and interpreted under the laws of the State of Florida, regardless of its conflict-of-law rules. Any dispute under these terms falls under the exclusive jurisdiction of the courts in Lee County, Florida.

9. Contact

For questions about these Terms & Conditions, please contact us at:

Insurance Packages, Inc.
24611 Production Cir, Bonita Springs, Florida, United States
Email: info@insurancepackages.org
Phone: +1 866 579 2152
Hours: Mon–Fri, 8AM–8PM EST