These Terms of Service ("Terms") govern your use of the website at cityinsuranceplus.com (the "Site"). The Site is operated by City Insurance Plus LLC. Insurance is quoted and placed through City Insurance & Financial Services Inc, a licensed insurance agency whose carrier appointments and resources are used to quote and service your coverage. In these Terms, "we," "us," and "our" refer to City Insurance Plus LLC and City Insurance & Financial Services Inc together, as applicable. By using the Site or contacting us through it, you agree to these Terms.
Using this Site, submitting a form, or communicating with us electronically constitutes your agreement to these Terms. If you do not agree, please do not use the Site.
We provide insurance information and quotes. Insurance is placed through City Insurance & Financial Services Inc, a licensed insurance agency, using its carrier appointments. Quotes are estimates only and require verification and approval by an insurance carrier. Nothing on this Site is an offer to sell, or a solicitation of, insurance in any state where we are not licensed.
Requesting a quote or communicating with us does not bind, alter, or cancel any coverage. Coverage is effective only after the required premium is paid and written confirmation is issued by the carrier.
Email, text, and web forms are provided for convenience. We cannot guarantee the timely receipt of electronic messages. For time-sensitive matters — including reporting a claim, or requesting a coverage change effective the same day — please call us at (763) 807-3523. Do not rely on email or a web form for anything urgent.
You are responsible for reviewing your policy documents, reporting changes in your risk promptly, providing accurate and complete information, and maintaining any coverage you are legally or contractually required to carry.
Premium payments are subject to carrier acceptance. Submitting payment information does not guarantee acceptance of a policy or continuation of coverage. We do not collect payment card or bank information through this Site.
Certificates of insurance are informational only and do not amend, extend, or alter the coverage provided by any policy. It is your responsibility to verify that your coverage meets your contractual requirements.
We make reasonable efforts to keep information accurate but are not responsible for typographical errors, omissions, or outdated content. You must review all documents and report any discrepancies to us promptly.
Electronic communications may not be fully secure. Please do not send sensitive information such as Social Security numbers through the Site's forms; use a secure channel we provide when such information is required. See our Privacy Policy.
Content on this Site is general information only and is not legal, tax, financial, or other professional advice. Consult a licensed professional for advice specific to your situation.
To the fullest extent permitted by law, City Insurance Plus LLC and City Insurance & Financial Services Inc are not liable for any damages arising from your use of, or inability to use, this Site or the services described on it.
These Terms are governed by the laws of the State of Arkansas, without regard to conflict-of-law principles, except where the insurance regulations of another state in which we are licensed require otherwise.
This Site is hosted and its forms are processed by third-party providers. Insurance is placed with third-party carriers. Those providers and carriers have their own terms and privacy policies, which govern your use of their services.
We may update these Terms at any time. Continued use of the Site after changes are posted constitutes acceptance of the updated Terms.
Where you consent, documents may be delivered and signed electronically with the same effect as paper documents and handwritten signatures. Paper copies are available on request.
We may use automation and artificial-intelligence tools to help process quotes and intake information. These tools assist, but do not replace, review by a licensed agent.
By providing your contact information, you consent to receive calls, texts, and emails from us regarding your inquiry and any resulting policy. Message and data rates may apply. You may opt out of marketing messages; operational messages about your coverage are not optional. See section 4 regarding urgent matters.
We retain communications and documents as required for compliance and carrier obligations. You should keep your own copies of your policy documents.
You agree to indemnify and hold harmless City Insurance Plus LLC and City Insurance & Financial Services Inc from claims arising out of your misuse of the Site, your failure to disclose changes in your risk, or your provision of incomplete or inaccurate information.
We are not responsible for delays or failures caused by events beyond our reasonable control, including natural disasters, outages, cyberattacks, or government actions.
Access to the Site may be interrupted for maintenance, updates, or reasons beyond our control. We do not guarantee uninterrupted availability.
The content, design, and logos on this Site are the property of City Insurance Plus LLC and may not be copied or distributed without written permission.
You agree to use this Site in compliance with applicable state and federal laws and to provide truthful information.
If any provision of these Terms is found invalid, the remaining provisions continue in full force.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and City Insurance Plus LLC regarding the Site.
City Insurance Plus LLC · North Little Rock, Arkansas · Gerald Burns, Licensed Insurance Agent, AR License #18687038, licensed in Arkansas and Minnesota. Phone (763) 807-3523 · Email gerald@cityinsuranceplus.com. Coverage may be placed through City Insurance & Financial Services Inc., a licensed insurance agency.
