Insurance Disclaimer

The website insuranceservice365.com is operated by Direct Insurance Services. Please read the following disclaimer carefully before using our website or services.

We Are Licensed Insurance Agents

Direct Insurance Services is a licensed insurance agency. We are insurance agents and brokers — not an insurance company. We do not issue insurance policies, assume risk, or pay claims. All insurance policies are issued by the respective insurance carriers we represent. Our role is to help you find appropriate coverage by shopping your risk across multiple carriers and advising you on your options.

Coverage Descriptions Are General

The coverage descriptions, policy summaries, and insurance information presented on this website are provided for general informational purposes only. They are intended to give you a broad overview of available insurance products and may not reflect the specific terms, conditions, exclusions, or limitations of any particular policy.

Coverage availability varies by state, carrier, industry, and individual risk factors. Not all coverage types described on this website are available in all states or for all business types. The specific terms of your coverage are governed solely by the language in your issued insurance policy.

All Coverage Subject to Carrier Approval

All insurance coverage is subject to the terms, conditions, and exclusions of the actual policy issued by the carrier. Coverage is not effective until a policy has been formally issued and bound by the insurance carrier. Submitting a form on our website or speaking with our team does not constitute binding coverage.

Insurance carriers reserve the right to decline coverage, modify terms, or adjust pricing based on their underwriting guidelines and evaluation of your specific risk profile.

Premium Estimates Are Not Guaranteed

Any premium estimates, pricing ranges, or cost information displayed on this website are approximate and provided for illustrative purposes only. Actual premiums are determined by the insurance carrier through their underwriting process and may be higher or lower than any estimates shown.

Factors that affect your actual premium include your business type, location, claims history, revenue, payroll, coverage limits, deductibles, and other risk characteristics. We cannot guarantee any specific premium amount until a formal quote is issued by a carrier.

Past Results Do Not Guarantee Future Outcomes

Any references to past savings, coverage outcomes, or client experiences on this website are specific to those individual situations and are not a guarantee of similar results for your business. Each insurance risk is unique, and outcomes depend on numerous factors specific to your business and the current insurance market.

Professional Advice

The information on this website is not a substitute for professional insurance advice tailored to your specific situation. We recommend speaking directly with one of our licensed agents to discuss your particular coverage needs, review your contracts and COI requirements, and make informed decisions about your insurance program.

Contact Us

If you have questions about this disclaimer or need clarification about any information on our website, contact us at:

Direct Insurance Services
Email: bob@frielgoodmortgage.com
Website: insuranceservice365.com