Terms and Conditions

These Terms and Conditions ("Terms") govern your use of the website operated by Apex Insurance Servicez LLC ("Apex," "we," "our," or "us"). By accessing or using this website, you agree to be bound by these Terms. If you do not agree, please do not use the site.

1. Who We Are

Apex Insurance Servicez LLC is an independent insurance agency headquartered in Florida (FL Agency License #L126518, NPN #21220861). We are licensed to transact insurance business in Florida, Texas, Georgia, South Carolina, and North Carolina. We only transact business in states where we are properly licensed.

2. Informational Purposes Only

The content on this website — including product descriptions, coverage explanations, state minimums, glossaries, FAQs, and tips — is provided for general informational purposes only. It is not legal, financial, tax, or insurance advice, and it does not create an agent–client relationship. Coverage details vary by carrier, policy form, and state. Always refer to your actual policy documents, which control in the event of any conflict.

3. No Offer of Coverage

Nothing on this website is an offer to sell insurance or a binding quote. Quotes, premium estimates, and coverage descriptions are preliminary and subject to carrier underwriting, eligibility requirements, and availability in your state. Coverage is not in effect until a carrier has issued a policy or binder and any required premium has been paid. Submitting a form on this site does not bind coverage.

4. Forms, Callbacks, and Communications

When you submit a quote request, quiz, or feedback form, you represent that the information you provide is accurate and that you are at least 18 years old. By providing your phone number or email, you consent to be contacted by Apex about your request by phone, email, or text message. Message and data rates may apply. You can opt out of marketing messages at any time by replying STOP to a text or contacting us directly. Consent is not a condition of purchase.

5. Acceptable Use

You agree not to:

• Submit false, misleading, or fraudulent information
• Use automated tools (bots, scrapers) to access or submit data to the site
• Attempt to interfere with the security or operation of the website
• Use the site for any unlawful purpose or in violation of these Terms

6. Intellectual Property

The Apex name, logo, emblem, and all text, graphics, illustrations, and design elements on this website are owned by Apex Insurance Servicez LLC or its licensors and are protected by copyright and trademark law. You may view and print pages for personal, non-commercial use. You may not reproduce, distribute, modify, or create derivative works without our written permission.

7. Third-Party Links and Services

Our site links to third-party websites and services, including external quoting tools, Google, and insurance carriers. We do not control and are not responsible for the content, privacy practices, or availability of those sites. Your use of third-party services is governed by their own terms.

8. Disclaimer of Warranties

This website is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not guarantee the site will be uninterrupted, error-free, or free of harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, Apex Insurance Servicez LLC and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of, or inability to use, this website or its content. Nothing in these Terms limits liability that cannot be limited under applicable law.

10. Indemnification

You agree to indemnify and hold harmless Apex Insurance Servicez LLC from any claims, damages, or expenses (including reasonable attorney fees) arising from your violation of these Terms or your misuse of the website.

11. Privacy

Your use of this site is also governed by our Privacy Policy and Cookie Policy, which describe how we collect and use your information.

12. Changes to These Terms

We may update these Terms from time to time. Changes take effect when posted, and the effective date above will be revised. Your continued use of the site after changes are posted means you accept the updated Terms.

13. Governing Law and Disputes

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any dispute arising from these Terms or your use of the site will be brought exclusively in the state or federal courts located in Hillsborough County, Florida, and you consent to their jurisdiction.

14. Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.

15. Contact Us

Questions about these Terms? Reach us at: