By accessing, browsing, submitting information to, or otherwise using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy and any other policies or notices incorporated into these Terms.
1. About Carvajal Commercial Inc.
Carvajal Commercial Inc. provides commercial insurance-related services and information to businesses and other customers.
The Website is intended to provide general information about our company, insurance products, services, and risk-management solutions and may allow visitors to contact us, request information, request an insurance quote, or communicate with an insurance representative.
The availability of specific insurance products, coverage options, carriers, policies, limits, deductibles, premiums, terms, conditions, and services may vary depending on factors including your location, business operations, underwriting requirements, eligibility, and applicable law.
2. Acceptance of These Terms
By using the Website, you represent that:
- You have the legal capacity to enter into these Terms;
- The information you provide to us is accurate and complete;
- You will use the Website only for lawful purposes;
- You will comply with applicable federal, state, and local laws;
- You will not use the Website in a manner that could harm, disrupt, disable, overburden, or impair the Website or our systems; and
- You will not attempt to gain unauthorized access to any portion of the Website, our systems, or information belonging to another user.
If you access the Website on behalf of a business or other organization, you represent that you are authorized to act on behalf of that organization.
3. Insurance Information Is for General and Informational Purposes
Information presented on the Website is provided for general informational purposes only.
Descriptions of insurance products, coverage types, risk-management services, and related information are not intended to constitute a complete description of all available coverage terms, conditions, exclusions, limitations, endorsements, underwriting requirements, or policy provisions.
Information on the Website should not be interpreted as a guarantee that a particular insurance product, coverage, policy, carrier, premium, limit, deductible, or service will be available to you.
Actual insurance coverage is governed exclusively by the applicable insurance policy, binder, certificate, endorsement, application, or other contractual documentation issued or approved by the applicable insurance carrier.
In the event of a conflict between information presented on the Website and the terms of an applicable insurance policy or other contractual document, the applicable insurance policy or contractual document will control.
4. No Insurance Coverage Is Created Through Website Use
Submitting information through the Website, completing a quote request, sending an inquiry, communicating with Carvajal Commercial Inc., or receiving an indication, proposal, estimate, or quote does not by itself create an insurance contract or guarantee coverage.
Insurance coverage becomes effective only when all required conditions have been satisfied and coverage has been properly bound or issued by an authorized insurance carrier or representative in accordance with applicable law and the terms of the applicable insurance transaction.
Unless expressly authorized and confirmed in writing, Carvajal Commercial Inc. does not make any representation that a particular submission, application, request, or communication has resulted in binding insurance coverage.
You should not rely solely on a Website submission, email, telephone conversation, quote request, or other informal communication as evidence that insurance coverage is in effect.
If you need confirmation of coverage, you should obtain appropriate written confirmation from an authorized insurance representative or carrier.
5. Insurance Quotes and Estimates
Any quote, estimate, indication, proposal, premium range, or other pricing information provided through or as a result of the Website is subject to applicable underwriting requirements and may change.
Quotes may depend on information supplied by you and may be subject to:
- Verification of information;
- Underwriting review;
- Carrier approval;
- Eligibility requirements;
- Inspection requirements;
- Loss history;
- Business classification;
- Location;
- Coverage limits;
- Deductibles;
- Policy terms and conditions;
- Applicable taxes and fees; and
- Other factors.
A quote is not a guarantee that coverage will be issued or that the quoted premium will remain available.
You are responsible for reviewing all insurance proposals, applications, policy documents, exclusions, limitations, and conditions before purchasing or relying on coverage.
6. Insurance Applications
The Website may allow you to provide information that may be used in connection with an insurance application or quote.
You agree that information submitted through the Website will be accurate, complete, and current to the best of your knowledge.
Submitting an application or request does not guarantee acceptance by an insurance carrier.
Carvajal Commercial Inc. may need to obtain additional information or documentation before an insurance carrier can evaluate an application.
An application may be subject to underwriting review and approval by an applicable insurance carrier.
7. Products and Services May Not Be Available Everywhere
Insurance products and services described on the Website may not be available in every state, jurisdiction, industry, or circumstance.
Eligibility for coverage depends on applicable law, licensing requirements, underwriting guidelines, insurance carrier appetite, business characteristics, and other factors.
Nothing on the Website should be interpreted as an offer to sell or solicit insurance products in a jurisdiction where Carvajal Commercial Inc. or the applicable insurance carrier is not authorized to conduct business.
If you are located outside the jurisdiction in which a particular insurance product or service is available, that product or service may not be offered to you.
8. No Modification of Insurance Policies
Nothing contained on this Website is intended to amend, modify, extend, replace, interpret, or otherwise change the terms or conditions of any insurance policy.
Website descriptions, marketing materials, examples, articles, illustrations, advertisements, or other content do not supersede the actual terms of an insurance policy or contractual document.
Only the applicable insurance policy, endorsement, binder, certificate, or other authorized contractual documentation determines the scope of coverage.
9. Website Content
The Website may contain:
- Text;
- Articles;
- Insurance information;
- Images;
- Graphics;
- Logos;
- Videos;
- Downloads;
- Forms;
- Tools;
- Calculators;
- Data;
- Illustrations;
- Documents;
- Links;
- Marketing materials; and
- Other content.
We make reasonable efforts to provide useful and accurate information; however, we do not guarantee that all Website content is complete, current, accurate, or free from errors.
Information may be changed, updated, corrected, or removed at any time without prior notice.
10. No Professional or Legal Advice
Information on the Website is provided for general informational purposes and should not be considered legal, tax, accounting, financial, investment, or other professional advice.
Insurance decisions can have significant financial and legal consequences.
You should consult an appropriately qualified professional regarding your particular circumstances before making decisions based on information presented on the Website.
