Terms of Use

1. Acceptance of Terms

By accessing or using the American Insurance HQ website located at americaninsurancehq.com (the “Site”), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.

2. Educational Content Only — Not Insurance or Legal Advice

All content published on American Insurance HQ is for general educational and informational purposes only. Nothing on this Site constitutes:

• —Insurance advice, recommendations, or guidance specific to your situation
• —Legal advice of any kind
• —Financial or investment advice
• —A solicitation to purchase any insurance product
• —A guarantee of coverage, pricing, or availability

American Insurance HQ is not a licensed insurance agent, broker, or advisor in any state. We do not sell, underwrite, or bind insurance coverage. Always consult a licensed insurance professional before making any coverage decision.

3. Accuracy of Information

We make reasonable efforts to keep our content accurate and up to date. However, insurance regulations, licensing requirements, and cost data change frequently. We do not warrant that any information on this Site is:

• —Complete, accurate, or current at the time you read it
• —Applicable to your specific business, state, or circumstances
• —Free from errors or omissions

Cost estimates are approximations based on national averages adjusted for state cost indexes. Actual premiums depend on your specific business size, claims history, coverage limits, location, and other underwriting factors.

4. Affiliate Relationships

This Site participates in affiliate marketing programs. When you click certain links and complete an insurance application or purchase, we may receive a referral fee from the insurance provider at no additional cost to you. Our affiliate relationships do not influence our editorial content. See our full Affiliate Disclosure.

5. Third-Party Websites

This Site contains links to third-party websites, including insurance providers and government agencies. We are not responsible for the content, accuracy, or privacy practices of any third-party site. Linking to a third-party site does not constitute an endorsement of that site or its services.

6. Limitation of Liability

To the fullest extent permitted by applicable law, American Insurance HQ, its owners, editors, and affiliates shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of this Site or reliance on any information contained herein — including but not limited to errors or omissions in content, loss of business, or failure to obtain adequate insurance coverage.

7. Intellectual Property

All content on this Site — including text, data, analysis, design, and code — is the property of American Insurance HQ and is protected by applicable copyright laws. You may not reproduce, distribute, or create derivative works from our content without prior written permission.

8. Changes to These Terms

We may update these Terms of Use at any time. Changes take effect immediately upon posting. Continued use of the Site after any update constitutes your acceptance of the revised terms. We recommend reviewing this page periodically.

9. Governing Law

These Terms of Use are governed by the laws of the United States. Any disputes arising from your use of this Site shall be subject to the jurisdiction of the applicable federal or state courts.

10. Contact

Questions about these terms: support@americaninsurancehq.com