Effective Date: August 21, 2026
These Terms of Use (“Terms”) govern your access to and use of the website operated by Everpoint Insurance Agency LLC (“Everpoint,” “we,” “us,” or “our”), including everpointins.com, its insurance quote request forms, and related website features.
By accessing or using this website, you agree to these Terms. If you do not agree with these Terms, please do not use the website.
1. Purpose of This Website
Everpoint Insurance Agency LLC operates this website to provide general information about insurance products and services and to allow consumers to request insurance quotes and communicate with Everpoint Insurance Agency.
Information provided on this website is for general informational purposes and is not a substitute for the terms, conditions, exclusions, limitations, or provisions of an actual insurance policy.
The insurance policy issued by the applicable insurance carrier, if any, controls the terms and conditions of coverage.
2. Insurance Products and Availability
Insurance products, coverages, discounts, eligibility requirements, premiums, and availability may vary by insurance carrier, applicant, location, and other underwriting factors.
Insurance products and services are offered only in jurisdictions where Everpoint Insurance Agency LLC, the applicable insurance producer, and the applicable insurance carrier are properly licensed or otherwise authorized to transact insurance.
Nothing on this website constitutes an offer or guarantee that any particular insurance product, coverage, rate, discount, or policy will be available to you.
3. Quote Requests Do Not Bind Coverage
Submitting an insurance quote request through this website does not create, bind, issue, renew, modify, or extend insurance coverage.
A website submission does not constitute confirmation that coverage is in effect.
Coverage becomes effective only after all applicable requirements have been satisfied and coverage has been properly bound or issued by the applicable insurance carrier or an authorized representative, with an effective date confirmed as appropriate.
You should not cancel, modify, or allow existing insurance coverage to expire based solely on information displayed on this website or the submission of a quote request.
Any quote, premium indication, estimate, or coverage information is subject to verification, eligibility requirements, underwriting, carrier approval, and the terms and conditions of the applicable insurance policy.
4. Information You Provide
When requesting an insurance quote or otherwise using our website, you agree to provide information that is accurate and complete to the best of your knowledge.
Insurance quotes, eligibility, premiums, and coverage options may depend on the accuracy of the information provided.
You are responsible for reviewing information submitted on your behalf and notifying Everpoint Insurance Agency LLC if you become aware that material information is incorrect or incomplete.
5. Communications and Contact Authorization
When you submit an insurance quote request, you may be asked to provide certain acknowledgments or authorizations relating to communications and contact by Everpoint Insurance Agency.
Any specific authorization or disclosure presented to you during the quote process is governed by the language of that authorization or disclosure.
Everpoint Insurance Agency LLC may communicate with you using the contact information you provide in connection with your insurance request, subject to applicable law and the disclosures presented when you submit the form.
Submitting a quote request or authorizing communications does not, by itself, create insurance coverage or obligate you to purchase insurance.
6. Privacy
Your use of this website is also subject to Everpoint Insurance Agency Privacy Policy.
Our Privacy Policy explains how Everpoint Insurance Agency collects, uses, shares, retains, and protects information obtained through the website and in connection with insurance quote requests and services.
When information is provided to an insurance carrier in connection with a requested insurance transaction, the carrier may also maintain and process that information according to its own privacy practices and applicable legal requirements.
7. Website Information
Everpoint Insurance Agency LLC makes reasonable efforts to provide accurate and useful information on this website. However, insurance products, carrier requirements, rates, discounts, laws, regulations, and coverage options can change.
Website content should not be interpreted as a representation that a specific insurance product, coverage, premium, discount, or policy provision is currently available or appropriate for every person.
For specific insurance questions, please contact Everpoint directly.
8. Insurance Policy Terms Control
Descriptions of insurance coverage appearing on this website are summaries only.
If there is any difference between information on this website and the terms of an insurance policy, declaration page, endorsement, binder, application, or other applicable insurance contract or carrier document, the applicable insurance contract or carrier document will control.
Coverage is subject to all applicable policy terms, conditions, exclusions, limitations, deductibles, eligibility requirements, and underwriting requirements.
9. Third-Party Insurance Carriers and Websites
Everpoint Insurance Agency LLC may provide access to information, services, or websites operated by insurance carriers or other third parties.
Third-party websites and services are not controlled by Everpoint and may have their own terms of use, privacy policies, security practices, and other requirements.
A link to or reference to a third-party website does not mean that Everpoint Insurance Agency LLC controls that website or is responsible for its content, availability, privacy practices, or security.
10. Intellectual Property
Unless otherwise stated, the content and materials created for this website, including text, graphics, design elements, logos, and other materials, are owned by or licensed to Everpoint Insurance Agency LLC and are protected by applicable intellectual property laws.
You may use the website for lawful personal and informational purposes.
You may not reproduce, distribute, modify, republish, sell, exploit, or use website content for unauthorized commercial purposes without appropriate permission.
Third-party names, logos, trademarks, and service marks remain the property of their respective owners.
11. Acceptable Use
You agree not to use this website to:
- Violate applicable laws or regulations
- Submit knowingly false, fraudulent, misleading, or unauthorized information
- Attempt to gain unauthorized access to the website, servers, accounts, systems, or data
- Introduce viruses, malicious code, automated attacks, or other harmful technology
- Interfere with the operation, availability, or security of the website
- Circumvent website security, spam-prevention, or access-control measures
- Use automated systems to submit fraudulent or abusive quote requests
- Impersonate another person or misrepresent your identity or authority
Everpoint Insurance Agency LLC may restrict or block access to the website where reasonably necessary to protect the website, its systems, customers, or business operations.
12. Website Availability and Security
We may modify, suspend, restrict, or discontinue any portion of the website at any time.
Although Everpoint Insurance Agency LLC uses reasonable measures designed to maintain the security and availability of its website, we cannot guarantee that the website will always be uninterrupted, error-free, or completely secure.
You are responsible for using reasonable precautions when accessing websites and transmitting information electronically.
13. Disclaimer of Warranties
To the extent permitted by applicable law, this website and its general informational content are provided on an “as available” basis.
Everpoint Insurance Agency LLC does not warrant that website content will always be complete, current, error-free, uninterrupted, or suitable for every user’s particular insurance needs.
Nothing in this section limits obligations or protections that cannot lawfully be limited or waived.
14. Limitation of Liability
To the extent permitted by applicable law, Everpoint Insurance Agency LLC will not be responsible for indirect, incidental, special, consequential, or similar damages arising solely from your use of, inability to use, or reliance upon the general informational content of this website.
Nothing in these Terms is intended to limit or exclude liability where such liability cannot lawfully be limited or excluded.
Nothing in these Terms modifies any rights or obligations arising under an insurance policy issued by an insurance carrier.
15. Changes to the Website or These Terms
Everpoint Insurance Agency LLC may update this website or these Terms periodically to reflect changes in our business, website functionality, technology, insurance operations, or applicable requirements.
When these Terms are updated, the Effective Date at the top of this page will be revised.
Your continued use of the website after updated Terms become effective constitutes your use of the website subject to the updated Terms.
16. Governing Law
These Terms are governed by the laws of the State of New York, without regard to principles regarding conflicts of laws, except where applicable federal law or another jurisdiction’s law is required to apply.
17. Severability
If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in effect to the extent permitted by law.
18. Contact Us
If you have questions regarding these Terms of Use or Everpoint Insurance Agency website, please contact:
Everpoint Insurance Agency LLC
Email: info@everpointins.com
Phone: 716-349-4429
Website: everpointins.com