Terms of Service

Last Updated: December 2025

1. Acceptance of Terms

By accessing and using AmericanInsuranceAI.com (the "Site"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree with any part of these Terms, you must strictly stop using the Site.

2. Services Description

AmericanInsuranceAI.com is an informational editorial platform that provides analysis, news, and educational content regarding the insurance industry. We are not an insurance carrier, agent, or broker. We do not sell insurance policies.

3. Use of the Site

You agree to use the Site only for lawful purposes. You represent that:

  • You are at least 18 years of age.
  • Any information you provide is true, accurate, current, and complete.
  • You are using the Site for personal, non-commercial use.

5. Intellectual Property

All content, features, and functionality on the Site (including text, graphics, logos, and software) are the exclusive property of AmericanInsuranceAI LLC and are protected by United States and international copyright, trademark, and other intellectual property laws.

6. Disclaimers and Limitation of Liability

THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." WE MAKE NO WARRANTIES, EXPRESSED OR IMPLIED, REGARDING THE ACCURACY OF QUOTES OR THE AVAILABILITY OF COVERAGE.

IN NO EVENT SHALL AMERICANINSURANCEAI LLC BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR ANY INSURANCE PRODUCTS PURCHASED THROUGH PARTNERS.

7. Dispute Resolution & Arbitration

Any dispute or claim relating in any way to your use of the Site will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify. The Federal Arbitration Act and federal arbitration law apply to this agreement.

8. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of law principles.

9. Contact Information

For questions regarding these Terms, please contact us at info@americaninsuranceai.com.