Terms of Service

These Terms of Service (“Terms”) govern your use of Insurance.Associates, powered by The Southern Agency (“we,” “us,” or “our”). By accessing or using this website, you agree to these Terms and our Privacy Policy. If you do not agree, please do not use the site.

Insurance.Associates is a digital commercial insurance brokerage platform that helps business owners understand coverage and request quotes. Coverage is quoted and placed by licensed professionals at The Southern Agency. We are not an insurer and do not issue policies or bind coverage.

The content on this site is general information to help you compare commercial coverage. It is not insurance, legal, tax, or financial advice, and it is not an offer or solicitation to buy any specific policy. What any policy covers depends on its specific terms, conditions, and exclusions.

Any cost figures, ranges, or estimator results shown here are illustrative national averages provided for budgeting and comparison only. They are not quotes, offers, or guarantees of price or coverage. Your actual premium is determined by The Southern Agency during underwriting, based on your specific business.

When you submit a quote request, you authorize us to share your details with The Southern Agency and the carriers needed to prepare a quote. Submitting a request does not bind coverage and creates no obligation on either side. Coverage is only in force once a carrier issues a policy and it is confirmed to you in writing.

You agree to use the site only for lawful purposes and to provide accurate, current information when you contact us or request a quote. You must be at least 18 years old and authorized to act for the business you are inquiring about.

You agree not to misuse the site — including attempting to disrupt it, gain unauthorized access, scrape or harvest data through automated means, or use it in any way that infringes the rights of others.

The content, design, logos, and materials on Insurance.Associates are owned by us or our licensors and are protected by applicable laws. You may view and use the site for your own legitimate business-insurance research. You may not copy, reproduce, or redistribute our content for commercial purposes without our permission.

The site may link to third-party websites and services we do not control, including carrier and partner pages. We provide these links for convenience and are not responsible for the content, products, or practices of any third party. Your use of those sites is governed by their own terms.

The site and its content are provided “as is” and “as available,” without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the site will be uninterrupted, error-free, or that any estimate will match an actual quote.

To the fullest extent permitted by law, we and The Southern Agency will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising from your use of (or inability to use) the site or any reliance on its content — even if we have been advised of the possibility of such damages.

You agree to indemnify and hold harmless us and The Southern Agency, and our respective agents and employees, from any claims, losses, or expenses (including reasonable attorneys’ fees) arising out of your misuse of the site or your violation of these Terms.

We may update, change, or discontinue any part of the site at any time, and we may revise these Terms from time to time. When we do, we’ll update the “last updated” date below. Your continued use of the site after changes take effect means you accept the revised Terms.

These Terms are governed by the laws of the United States and of the state in which The Southern Agency is organized, without regard to its conflict-of-laws rules. Any dispute relating to the site or these Terms will be handled in the courts located in that jurisdiction.

Questions about these Terms? Contact Insurance.Associates or call The Southern Agency at 1-800-777-1872.