Effective Date: November 14, 2026
These Terms & Services ("Terms") govern your access to the Bizrek Insurance website at bizrek.com (the "Site"), advisory offerings, digital client tools, and related communications provided by Bizrek Insurance ("Bizrek," "we," "us," or "our"). By using the Site or engaging our services, you agree to these Terms. If you do not agree, discontinue use immediately.
1. Advisory role and licensing
Bizrek operates as an independent insurance advisory firm. We are not an insurance carrier. Coverage is underwritten by third-party insurers whose policy contracts govern claims payment, exclusions, and cancellations. Our licensed professionals solicit, negotiate, and service policies only in jurisdictions where they hold active appointments.
Recommendations we provide are based on information you supply. You are responsible for reviewing declarations pages, endorsements, and applications before binding coverage. Signed applications and premium payments create a direct contractual relationship between you and the issuing insurer, subject to that insurer's terms.
1.1 No guarantee of placement
Submitting a quote request does not guarantee placement or a specific premium. Underwriting guidelines, loss history, and inspections may result in declinations, surcharges, or amended terms. We will communicate alternatives when primary markets decline risks.
2. Website use and acceptable conduct
You may use the Site for lawful, personal, or internal business purposes related to evaluating or managing insurance. You agree not to:
- Attempt unauthorized access to accounts, servers, or data;
- Introduce malware, scraping bots, or automated extraction tools that impair performance;
- Misrepresent your identity or affiliation when submitting forms;
- Upload content that infringes intellectual property or privacy rights;
- Use the Site to transmit unlawful, harassing, or fraudulent material.
We may suspend access when we reasonably believe these rules are violated or when maintenance requires downtime.
3. Quotes, proposals, and e-signatures
Indicative quotes displayed on the Site are illustrative and non-binding until confirmed by underwriting. Formal proposals may expire if rate filings change or if material information is omitted. Electronic signatures delivered through our portal carry the same effect as handwritten signatures where permitted by applicable law.
3.1 Accuracy of information
You warrant that applications, payroll reports, vehicle schedules, and property descriptions are complete and accurate. Material misrepresentation may void coverage or permit rescission. Notify Bizrek within ten days of any change affecting risk exposure, including renovations, new drivers, or business activities.
4. Advisory fees and payments
Membership-style advisory fees disclosed on our Pricing page cover planning, policy administration, and claims coaching. Fees are billed monthly unless otherwise stated in your engagement letter. Carrier premiums, taxes, and inspection charges are separate obligations due according to billing plans you select with the insurer.
Failure to pay advisory invoices may result in suspension of nonessential services. Core compliance obligations—such as forwarding cancellation notices—will continue where required by law.
5. Claims assistance disclaimer
Our claims advocates help document losses, communicate with adjusters, and interpret policy language, but we do not unilaterally settle claims. Payment decisions rest with the carrier based on coverage determinations, deductibles, and policy limits. We do not act as public adjusters unless expressly engaged under a separate written agreement compliant with local licensing requirements.
6. Intellectual property
The Bizrek name, logos, dashboards, checklists, and proprietary templates are protected by trademark and copyright law. You receive a limited, revocable license to use client deliverables for your internal risk management. You may not resell, publicly redistribute, or modify our materials without written consent.
7. Third-party links and tools
The Site may link to carrier portals, payment processors, or educational resources. Bizrek does not control third-party content and is not liable for their practices. Review their terms and privacy policies before submitting data.
8. Privacy and communications
Personal data handling is described in our Privacy Policy. By submitting forms, you consent to receive transactional emails and, if opted in, marketing messages. You may unsubscribe from marketing via the Unsubscribe page.
9. Disclaimers
THE SITE AND ADVISORY CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED ACCESS OR ERROR-FREE OPERATION.
Educational articles are general in nature and not legal, tax, or investment advice. Consult qualified professionals before making financial decisions based on insurance structures.
10. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, BIZREK AND ITS OFFICERS, EMPLOYEES, AND AFFILIATES ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM SITE USE OR ADVISORY SERVICES. OUR AGGREGATE LIABILITY FOR DIRECT DAMAGES SHALL NOT EXCEED THE ADVISORY FEES PAID BY YOU IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted.
11. Indemnification
You agree to indemnify and hold harmless Bizrek from claims, fines, or expenses arising from your misuse of the Site, violation of these Terms, inaccurate applications, or infringement of third-party rights resulting from content you provide.
12. Dispute resolution
Before initiating formal proceedings, contact us to attempt informal resolution for at least thirty days. If unresolved, disputes shall be submitted to binding arbitration under the rules of a recognized arbitration association, conducted in English, with one arbitrator. Class actions and jury trials are waived to the extent allowed by law.
12.1 Governing law
These Terms are governed by the laws of the jurisdiction where Bizrek maintains its principal place of business, without regard to conflict-of-law principles.
13. Changes to these Terms
We may update these Terms to reflect regulatory changes or new services. Revisions become effective upon posting with an updated effective date. Continued use after changes constitutes acceptance. Material changes to existing clients will also be communicated through the client portal or email where practicable.
14. Termination
You may terminate advisory services according to your engagement letter. We may terminate access for nonpayment, illegal activity, or threats to staff. Provisions that by nature should survive termination—including intellectual property, indemnification, limitations of liability, and dispute resolution—shall survive.
15. Contact
Questions about these Terms may be submitted through the Contact Us form. We respond to good-faith inquiries within a reasonable timeframe.