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Terms & Conditions

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

1. Acceptance of Terms

By accessing or using this website, you confirm that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please stop using this website immediately. These terms apply to all visitors, users, and anyone who accesses our services.

2. Nature of Our Service

Insurance Plans Hub Inc. is an independent insurance quote comparison platform and authorized retailer. We are NOT an insurance company, agency, or underwriter. Specifically:

  • We do not provide insurance advice within the meaning of applicable insurance laws.
  • We do not bind coverage or issue insurance policies directly.
  • We connect consumers with licensed agents and carriers.
  • Final coverage decisions are made solely by licensed carriers and agents.
  • We earn a referral commission for connecting consumers with carriers — our service is completely free to you.

3. No Insurance Advice

Nothing on this website constitutes professional insurance advice. All information is for general informational purposes only and does not represent a recommendation of any specific product, carrier, or coverage type. Please consult a licensed insurance professional for guidance tailored to your needs.

4. No Liability for Third-Party Carrier Decisions

Insurance Plans Hub Inc. is not responsible for any decisions made by third-party carriers regarding acceptance, denial, pricing, or terms of any policy. Coverage availability and rates are determined exclusively by licensed carriers based on their own underwriting guidelines. We make no warranties regarding the availability, suitability, or pricing of any insurance product.

5. Intellectual Property

This website and all original content are owned by Insurance Plans Hub Inc. and protected under applicable intellectual property laws. Third-party trademarks, including Bristol Wests®, remain the property of their respective owners and do not imply any affiliation or endorsement.

6. Limitation of Liability

To the fullest extent permitted by law, Insurance Plans Hub Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website. Our total liability for any claim shall not exceed $100.

7. TCPA Consent

By submitting a form or calling our number, you expressly consent to receive calls, emails, and texts from Insurance Plans Hub Inc. and our network of licensed carriers regarding insurance quotes and coverage options, even if your number is on a Do Not Call registry. Standard rates may apply. Consent is not a condition of purchase. You may opt out at any time.

8. Governing Law

These Terms shall be governed by the laws of the State of Florida, without regard to conflict of law provisions. Any disputes shall be subject to the exclusive jurisdiction of courts in Lee County, Florida.

9. Contact

For any questions regarding these Terms & Conditions, please reach out to us at:

Insurance Plans Hub Inc.
2627 Mission St, San Francisco, CA 94110
Email: info@insuranceplanhub.org
Phone: +1 888 712 0692
Hours: Mon–Fri, 8AM–8PM EST