These Terms of Service govern your use of the Insurance Plans Service Hub website at insuranceplansservicehub.online and any services provided by us. By accessing our website or contacting us, you agree to these terms in full.
Insurance Plans Service Hub ("Company," "we," "us," "our") is a licensed insurance advisory service operating at 350 Fifth Avenue, Suite 4100, New York, NY 10118. We connect individuals and businesses with licensed insurance providers. We are not an insurance carrier — we are an independent advisory and referral service.
We provide the following services at no cost to you:
We do not bind coverage, issue policies, or process claims directly. All insurance policies are issued by the respective licensed insurance carriers.
You must be at least 18 years of age and a resident of the United States to use our services. By using this website, you represent that you meet these requirements.
All quotes provided are estimates based on the information you supply and are subject to change. Final premiums are determined by the issuing insurance carrier after full underwriting review. Quotes are not binding offers of insurance coverage.
You agree to provide accurate, complete, and current information when requesting a quote or contacting us. Providing false or misleading information may result in denial of coverage or policy cancellation by the insurance carrier.
Information on this website is for general informational purposes only and does not constitute professional insurance, legal, or financial advice. Always review your policy documents carefully and consult a licensed professional for advice specific to your situation.
We work with third-party licensed insurance carriers. We are not responsible for the actions, decisions, coverage terms, or claims handling of any insurance carrier. Your insurance contract is solely between you and the issuing carrier.
By calling our phone number or submitting a contact form, you consent to being contacted by our licensed advisors and, where applicable, by our partner insurance carriers. Calls may be recorded for quality assurance and compliance purposes.
All content on this website — including text, graphics, logos, and design — is the property of Insurance Plans Service Hub and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or use our content without prior written permission.
To the fullest extent permitted by law, Insurance Plans Service Hub shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website or our services, including but not limited to loss of coverage, denied claims, or financial loss resulting from reliance on information provided on this site.
You agree to indemnify and hold harmless Insurance Plans Service Hub, its officers, employees, and partners from any claims, damages, or expenses arising from your use of our services or your violation of these Terms.
We do not guarantee uninterrupted or error-free access to our website. We reserve the right to modify, suspend, or discontinue any part of the website at any time without notice.
These Terms are governed by the laws of the State of New York, United States, without regard to conflict of law principles. Any disputes shall be resolved in the courts of New York County, New York.
We may update these Terms of Service at any time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our website after changes are posted constitutes your acceptance of the revised terms.