Terms of Service

Acceptance of These Terms

These Terms of Service constitute an agreement between you and North Star Commercial Insurance LLC concerning your use of this website and our related services.

The terms “North Star,” “North Star Commercial Insurance LLC,” “we,” “us,” and “our” refer to North Star Commercial Insurance LLC. The terms “you,” “your,” “applicant,” “customer,” “insured,” “prospective insured,” “user,” and “website visitor” refer to any person or organization accessing the website, submitting information, requesting services, or communicating with us.

By accessing, browsing, or using this website, submitting a quote request or application, uploading a document, contacting our team, or otherwise using a North Star service, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree with these Terms, you should not use this website, submit information, or request services through our digital channels.

Certain insurance carriers, technology providers, payment processors, financing companies, and other third-party services may have additional terms and conditions. Your use of those services may be governed by separate agreements between you and the applicable third party.

Eligibility and Authority to Use Our Services

This website and our commercial insurance services are intended for adults, business owners, authorized representatives, commercial drivers, fleet operators, transportation professionals, and other persons legally permitted to enter business transactions.

By using the website or requesting services, you represent that you are at least 18 years old and have the legal capacity to enter into these Terms.

When you provide information on behalf of a business, partnership, corporation, limited liability company, employer, fleet, insured, or another organization, you represent that you are authorized to provide the information and act on behalf of that organization.

You may not submit information concerning another person, driver, employee, vehicle owner, insured, or business unless you have the authority and any legally required permission to do so.

Description of Our Services

North Star Commercial Insurance LLC assists businesses in exploring commercial insurance solutions. Depending on availability, eligibility, carrier requirements, and the nature of your operation, our services may include:

Services may vary by state, carrier appointment, licensing authority, insurance market availability, applicant characteristics, coverage type, business activity, and other underwriting or regulatory factors.

We reserve the right to decline, limit, suspend, or discontinue a service where reasonably necessary, including when requested coverage is unavailable, the provided information is incomplete, a transaction is prohibited, or legal or carrier requirements cannot be satisfied.

No Automatic or Binding Insurance Coverage

A website submission, telephone conversation, email, text message, proposal, premium estimate, indication, quote, application, payment request, certificate request, or other communication does not independently bind or create insurance coverage.

Coverage is subject to carrier approval, completion of all required applications and documents, verification of information, satisfaction of underwriting requirements, payment of required premium, and issuance of an authorized binder or policy.

A quotation may be revised, withdrawn, rejected, or rendered unavailable before binding. Pricing and terms may change if new information becomes available or if submitted information is incomplete, inaccurate, or materially different from the final insured risk.

North Star does not guarantee that any carrier will offer insurance, approve an application, accept a risk, issue a policy, provide a particular limit, or offer a particular premium.

Insurance Quotes, Applications, and Underwriting

Insurance quotations are based on information available at the time of evaluation. Quotes may be preliminary, conditional, non-binding, and subject to further underwriting review.

Information that may affect quotations and underwriting can include business operations, ownership, years in business, vehicles, vehicle values, drivers, motor vehicle records, cargo, radius, contracts, prior insurance, cancellations, claims history, loss runs, safety information, regulatory records, and other material facts.

You are responsible for reviewing every application, proposal, schedule, quote, binder, declaration, endorsement, certificate, and policy document for accuracy.

You must promptly inform us of any inaccurate, incomplete, outdated, or changed information. Changes involving drivers, vehicles, cargo, routes, operations, ownership, contracts, garaging locations, radius, or other risk factors may affect eligibility, premium, or coverage.

A quote may expire. If a quote has an expiration date or other deadline, you are responsible for completing the required steps before that deadline.

Payment alone does not guarantee coverage unless all applicable binding requirements have been satisfied and coverage has been confirmed by an authorized party.

Issued Insurance Documents Control

The issued insurance policy and related carrier documents are the controlling agreement concerning insurance coverage.

Website content, advertisements, summaries, proposals, presentations, emails, text messages, verbal discussions, FAQs, blog posts, social media content, and other general communications are provided for informational purposes.

Such information does not replace or modify the declarations, insuring agreements, definitions, conditions, endorsements, exclusions, limits, deductibles, warranties, classifications, schedules, and other provisions of an issued insurance policy.

If there is a difference or conflict between general website content and an issued policy, the applicable insurance policy and carrier documentation will control, subject to applicable law.

You are responsible for reading the complete policy and seeking clarification regarding provisions you do not understand.

Your Information and Responsibilities

You agree to provide truthful, accurate, current, and complete information whenever you interact with North Star or submit information to an insurance carrier.

You agree not to knowingly conceal, omit, alter, or misrepresent any material information connected with an insurance inquiry, application, policy, certificate, claim, payment, or service request.

• Review applications and documents before signing or approving them.
• Verify that names, addresses, vehicles, drivers, operations, limits, and schedules are accurate.
• Notify North Star promptly when material business or risk information changes.
• Maintain current contact information so important policy communications can reach you.
• Pay premiums, fees, finance payments, deductibles, and other required amounts by the stated deadlines.
• Follow the duties, conditions, reporting requirements, and cooperation obligations in your insurance policy.
• Protect account credentials, documents, and private policy information from unauthorized access.
• Obtain appropriate permission before providing information about drivers, employees, owners, or other individuals.

We are not responsible for consequences caused by inaccurate, incomplete, delayed, unauthorized, or misleading information provided by you or someone acting on your behalf.

Certificates of Insurance and Evidence of Coverage

A Certificate of Insurance, insurance identification card, evidence of property insurance, or similar document is generally intended to provide information regarding insurance in effect on the date the document is issued.

A certificate does not independently create coverage, amend a policy, expand limits, remove exclusions, or grant rights beyond those provided by the applicable insurance policy.

Requests involving additional insured status, waiver of subrogation, primary and non-contributory wording, special notice requirements, or other contractual conditions may require carrier approval and an appropriate policy endorsement.

North Star may decline to issue a certificate or include requested language when the request is inaccurate, unsupported by the policy, prohibited by law, or not authorized by the applicable carrier.

You are responsible for reviewing certificates and immediately reporting errors or missing information.

Electronic Communications and Signatures

By submitting an email address, telephone number, online form, or other electronic contact information, you authorize North Star to communicate with you concerning your inquiry, quotation, application, policy, certificate, renewal, payment, documentation, claim, or customer service request.

Communications may be delivered through email, telephone, voicemail, text message, electronic forms, document platforms, or other available channels.

You agree that electronic communications and electronically signed documents may satisfy applicable writing and signature requirements to the extent permitted by law and accepted by the relevant parties.

You are responsible for maintaining a functioning email account, telephone number, internet connection, and compatible device needed to receive electronic communications.

Text Messaging

Where you provide appropriate consent, North Star may send text messages related to quotes, applications, documents, policies, certificates, payments, renewals, claims, or customer support.

Consent to receive marketing text messages is not a condition of purchasing insurance. Message frequency may vary, and message and data rates may apply.

You may reply STOP to supported text messages to opt out of non-essential text communications. You may reply HELP for assistance or contact us directly.

Prohibited Website and Service Use

You agree to use the website and our services only for lawful and legitimate purposes.

You may not use the website or services to:

We may restrict or terminate website access, preserve records, and report suspected unlawful activity to appropriate authorities or service providers where reasonably necessary.

Insurance Carriers and Third-Party Services

North Star may work with licensed insurance carriers, wholesalers, managing general agents, underwriting organizations, policy administrators, claims representatives, premium finance companies, payment processors, technology providers, and other independent organizations.

Those organizations are independent parties and may maintain separate contracts, privacy policies, underwriting guidelines, payment terms, security practices, and service standards.

North Star does not control an insurance carrier's underwriting decision, policy wording, claim decision, premium calculation, payment processing, cancellation, non-renewal, system availability, or independent business practices.

Links to external websites are provided for convenience or informational purposes. We do not guarantee the accuracy, security, availability, products, services, or content of an external website.

Your use of a third-party website or service is at your discretion and may be governed by that third party's terms.

Intellectual Property and Permitted Use

The website design, layout, written content, graphics, icons, logos, branding, photographs, videos, forms, guides, downloadable resources, software, and other materials made available by North Star are owned by, licensed to, or lawfully used by North Star Commercial Insurance LLC.

Subject to these Terms, you receive a limited, revocable, non-exclusive, non-transferable license to access and use the website for legitimate personal or internal business purposes.

You may not reproduce, republish, distribute, sell, license, modify, create derivative works from, publicly display, commercially exploit, or remove ownership notices from website content without prior written authorization.

You may print or save a reasonable number of pages for your own records, insurance evaluation, or internal business use, provided the content is not modified or presented misleadingly.

Third-party names, marks, logos, and content remain the property of their respective owners.

Website and Service Disclaimers

The website and its content are provided on an “as is” and “as available” basis to the fullest extent permitted by applicable law.

While we aim to provide useful and current information, we do not warrant that all website content will be complete, accurate, uninterrupted, error-free, compatible, secure, or suitable for every business or insurance situation.

Website content is general information and is not intended to constitute legal, tax, accounting, safety, regulatory, financial, or risk-management advice.

Commercial insurance needs vary significantly. You should consult qualified professionals regarding the needs and obligations of your particular business.

We do not guarantee that:

• A requested insurance product will be available.
• An applicant will qualify for coverage.
• A carrier will accept or bind a submitted risk.
• A particular premium, limit, deductible, or term will be offered.
• An insurance claim will be covered or paid.
• A website submission will be received without delay or technical interruption.
• External links or third-party services will remain available or secure.

Limitation of Liability

To the fullest extent permitted by applicable law, North Star Commercial Insurance LLC and its owners, officers, employees, representatives, contractors, and service providers will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising from or related to your use of, inability to use, or reliance on the website or services.

This limitation may include, where legally permitted, damages arising from lost profits, lost revenue, lost business opportunities, business interruption, loss of data, system interruption, unauthorized access, transmission errors, carrier decisions, policy cancellations, claim outcomes, or reliance on general website information.

North Star is not responsible for losses caused by your failure to provide accurate information, review documents, meet deadlines, pay required amounts, maintain contact information, respond to requests, or comply with policy conditions.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless North Star Commercial Insurance LLC and its owners, officers, employees, representatives, contractors, and service providers from claims, losses, liabilities, damages, penalties, costs, and reasonable expenses arising from:

• Your violation of these Terms.
• Your unlawful or unauthorized use of the website or services.
• Information, documents, or content submitted by you.
• Your fraud, negligence, misconduct, or material misrepresentation.
• Your violation of another person's privacy, intellectual property, contractual, or other legal rights.
• Actions taken by a person using credentials, accounts, or access controlled by you.

North Star reserves the right to control the defense of a matter subject to indemnification, and you agree to provide reasonable cooperation.

Privacy and Information Handling

Our collection, use, sharing, retention, and protection of personal and business information are described in the North Star Commercial Insurance LLC Privacy Policy.

By using the website or services, you acknowledge that information may be processed as described in the Privacy Policy, subject to applicable law.

You are responsible for reviewing our Privacy Policy before submitting personal, driver, employee, business, vehicle, regulatory, claims, or insurance information.

Governing Law and Dispute Resolution

These Terms will be governed by the laws applicable to North Star Commercial Insurance LLC's principal place of business, without regard to conflict-of-law principles, except where another law is required to apply.

Before initiating formal proceedings, you agree to contact North Star and make a reasonable good-faith effort to resolve the concern informally.

Unless prohibited by applicable law, disputes concerning these Terms or use of the website will be brought in a court of competent jurisdiction serving the location of North Star's principal office.

Insurance coverage disputes, claims, policy rights, and carrier obligations may be governed by the applicable insurance policy, state law, regulatory requirements, arbitration clauses, appraisal provisions, or other contractual terms.

Nothing in these Terms prevents a person from contacting an appropriate insurance regulator, consumer agency, law enforcement body, or other governmental authority where permitted.

Changes to These Terms

North Star Commercial Insurance LLC may modify these Terms periodically to reflect changes in our website, services, business operations, insurance relationships, legal requirements, technology, or security practices.

Updated Terms will be posted on this page with a revised “Last Updated” date.

Changes will become effective when posted unless a different effective date is stated or applicable law requires another method.

Your continued use of the website or services after revised Terms become effective constitutes your acceptance of the updated Terms to the extent permitted by law.

We encourage you to review this page periodically.