Terms & Conditions

Welcome to United Insurance Group. By accessing or using our website, requesting insurance quotes, or working with our independent agents, you agree to be bound by these Terms & Conditions. Please read them carefully before submitting any intake forms or utilizing our platforms.

1. Scope of Services

United Insurance Group operates as an independent insurance agency. We shop third-party insurance carriers to match you with policy options based on the criteria you submit. We do not underwrite insurance policies directly, nor do we guarantee that a specific carrier will accept your risk profile or offer coverage.

2. Accuracy of Submitted Information

When requesting an insurance quote or submitting an intake form, you agree to provide complete, accurate, and current information. Providing fraudulent, deceptive, or intentionally incomplete information to secure insurance rates is illegal and may result in the immediate cancellation of quotes, non-binding of coverages, or voiding of policy coverage by the carrier.

3. Quotes and Policy Bindings

• Non-Binding Rates: Any pricing, premiums, or quotes generated or shown on this website are estimations and do not constitute an active offer of insurance or immediate coverage.
• Final Underwriting: Final premium figures and coverage terms are determined solely by the respective third-party insurance carrier following formal underwriting validations.
• Binding Requirements: No insurance policy is bound, activated, or altered until you receive explicit written confirmation from a licensed agent at United Insurance Group.

4. Intellectual Property

All digital content on this platform—including website layout structures, custom copy texts, graphics, graphics arrangements, logos, and original icons—is the exclusive property of United Insurance Group or its licensors and is protected by copyright and trade laws. Unauthorized distribution or copying is strictly prohibited.

5. Limitation of Liability

United Insurance Group, its officers, employees, and independent partners shall not be held liable for any direct, indirect, incidental, or consequential losses arising out of your inability to access this portal, service delays by underlying carrier systems, or individual underwriting denials based on your submitted risk files.

6. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of the State of Minnesota, without regard to its conflict of law principles. Any legal actions or proceedings related to these terms must be brought exclusively in courts located in Minnesota.

7. Modifications to Terms

We reserve the right to modify or adjust these Terms & Conditions at any time without prior announcement. Your continued utilization of our quoting portals or administrative networks following an update indicates absolute agreement with the revised rules.

8. Contact Us

If you have any questions or require administrative clarifications regarding these binding parameters, contact our support team directly at: