Terms of Use

These Terms of Use govern your access to and use of the PolicyBenchmark website. By accessing or using this site, you agree to be bound by these terms.

About This Site

PolicyBenchmark is an independent educational resource that publishes information about commercial insurance. We are not a licensed insurance agent, broker, or carrier. We do not sell, bind, or underwrite insurance policies.

Educational Purpose Only

All content on PolicyBenchmark — including coverage guides, carrier reviews, state guides, interactive tools, and blog posts — is provided for educational and informational purposes only. Nothing on this site constitutes insurance advice, legal advice, or a specific coverage recommendation.

Our tools provide estimates based on publicly available data and general industry information. These estimates are not quotes, bids, or offers. Actual insurance premiums, coverage terms, and eligibility are determined solely by licensed insurance carriers based on your specific circumstances.

Affiliate Links and Third-Party Sites

PolicyBenchmark contains links to third-party websites, including insurance provider websites. These links may be affiliate links, meaning we may earn a commission if you take certain actions after clicking them. When you follow a link to a third-party website, you leave PolicyBenchmark and are subject to that site's terms of use and privacy policy. We are not responsible for the content, accuracy, or practices of third-party websites.

Accuracy and Timeliness

We make reasonable efforts to ensure the accuracy and timeliness of the information on this site. However, insurance regulations, rates, products, and carrier details change frequently. We do not guarantee that all information on this site is current, complete, or error-free. Always verify insurance requirements, coverage details, and pricing directly with licensed insurance professionals and state regulatory agencies.

Intellectual Property

All original content on PolicyBenchmark — including text, graphics, tools, and site design — is the property of PolicyBenchmark and is protected by copyright law. You may not reproduce, distribute, or create derivative works from our content without written permission, except for personal, non-commercial use such as printing a page for your own reference.

Limitation of Liability

PolicyBenchmark is provided "as is" without warranty of any kind. To the fullest extent permitted by law, PolicyBenchmark and its operators shall not be liable for any damages arising from your use of this site, reliance on its content, or actions taken based on information found here. This includes but is not limited to direct, indirect, incidental, consequential, and punitive damages.

Changes to These Terms

We may update these terms from time to time. Continued use of the site after changes are posted constitutes acceptance of the revised terms. The date at the top of this page indicates when these terms were last updated.

Contact

If you have questions about these terms, please contact us through our website.