Please read these terms carefully before using our website or services.
Last Updated: May 22, 2026
Welcome to JSI — Jeremy Stewart Insurance ("JSI," "we," "us," or "our"). These Terms and Services ("Terms") govern your access to and use of the website located at jeremyastewart.com and any related subdomains, mobile applications, online portals, digital tools, and communication channels operated by or on behalf of JSI (collectively, the "Site"). By accessing or using the Site, submitting information through any form, requesting a quote, subscribing to our newsletter, or engaging with our licensed agents or representatives, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.
If you do not agree to these Terms in their entirety, you must not access or use the Site or any services offered through it. We reserve the right to deny access to any person or entity at any time, for any reason, including violation of these Terms or applicable law. These Terms constitute a legally binding agreement between you and JSI regarding your use of the Site and related services. Your continued use of the Site following the posting of revised Terms constitutes your acceptance of such changes.
JSI is an independent insurance agency licensed to sell and service insurance products in multiple jurisdictions throughout the United States. We are not an insurance carrier. Insurance policies are underwritten by third-party insurance companies ("Carriers"), and the terms, conditions, coverage limits, exclusions, and premiums of any policy are governed solely by the applicable policy documents and Carrier contracts. Nothing on this Site modifies, supersedes, or replaces the language of any insurance policy, binder, endorsement, or certificate of insurance.
The information provided on this Site is intended for residents of the United States. If you access the Site from outside the United States, you do so at your own initiative and are responsible for compliance with local laws. Certain products and services described on the Site may not be available in all states or to all applicants. Availability is subject to Carrier appetite, state licensing requirements, and underwriting guidelines.
These Terms apply to all visitors, users, prospective clients, existing policyholders, newsletter subscribers, and others who access the Site or interact with JSI through digital channels. Additional terms may apply to specific products, promotions, or services, and such terms will be presented to you at the time of enrollment or purchase. In the event of a conflict between these Terms and product-specific terms, the product-specific terms shall govern with respect to that product or service.
For purposes of these Terms, the following definitions apply:
Headings in these Terms are for convenience only and do not affect interpretation. Words such as "include," "includes," and "including" shall be deemed to be followed by the phrase "without limitation." References to statutes or regulations include amendments and successor provisions. Singular terms include the plural and vice versa where context requires.
JSI provides insurance agency services to individuals, families, and businesses seeking coverage across major lines of insurance, including but not limited to life, health, home, auto, and specialty products as described on our Services page. Our role is to help you evaluate coverage needs, compare options from participating Carriers, complete applications, and service policies throughout their lifecycle. We may also provide educational content, renewal reminders, and claims advocacy support.
All Services are subject to state licensing laws, Carrier appointments, and applicable regulatory requirements. JSI may modify, suspend, or discontinue any aspect of the Site or Services at any time without prior notice. We do not guarantee that the Site will be available at all times or free from errors, viruses, or other harmful components. Scheduled maintenance, technical failures, and circumstances beyond our reasonable control may interrupt access.
When you request Services, you authorize JSI and its designated agents to contact you by email regarding your inquiry. You may opt out of marketing communications at any time pursuant to our Privacy Policy and applicable law, though transactional or service-related messages related to active policies or pending applications may still be sent as permitted by law.
JSI may receive compensation from Carriers in the form of commissions, bonuses, or other contingent payments based on policies placed or retained. This compensation structure is customary in the insurance industry and does not obligate us to recommend any particular Carrier or product. Our agents are trained to present options aligned with your stated needs and eligibility. Details regarding compensation are available upon request.
Policy servicing functions—including endorsements, cancellations, reinstatements, certificate issuance, and billing inquiries—are performed subject to Carrier rules and may require your signed authorization. JSI will use commercially reasonable efforts to process requests promptly but cannot control Carrier processing times or decisions.
To use the Site and request Services, you must be at least eighteen (18) years of age and capable of forming a binding contract under applicable law. If you are accessing the Site on behalf of a business entity, you represent and warrant that you have authority to bind that entity to these Terms. Parents or legal guardians may inquire on behalf of minor dependents where permitted by state law and Carrier guidelines, but insurance contracts generally require adult applicants or authorized corporate officers.
You represent that all information you provide to JSI is accurate, complete, and not misleading. Insurance applications require truthful disclosures; material misrepresentations or omissions may void coverage, result in claim denial, or constitute insurance fraud under state and federal law. You agree to update your information promptly when circumstances change, including address changes, vehicle or property changes, health status for applicable lines, and business operations for commercial policies.
Certain Services may require identity verification, proof of insurable interest, or additional documentation before a quote or application can proceed. JSI reserves the right to refuse service to any applicant who does not meet eligibility criteria, fails verification, or presents an unacceptable risk profile as determined by Carriers or applicable law.
Use of the Site is void where prohibited by law. By using the Site, you represent that your use complies with all applicable federal, state, and local laws and regulations, including insurance producer licensing requirements in your state of residence or business operation.
Quotes provided through the Site, by email, or through our agents are estimates only and are not offers to insure. A binding insurance contract is formed only when a Carrier accepts your application, issues a policy, and premium payment terms are satisfied as required by the Carrier. Quotes may change based on additional information discovered during underwriting, changes in Carrier rates, regulatory updates, or corrections to data you supplied.
Online quote tools and forms rely on the accuracy of the information you enter. Incomplete or incorrect data may produce inaccurate quotes. JSI is not responsible for quote discrepancies resulting from user error, outdated Carrier rates not yet reflected in our systems, or technical limitations of third-party rating platforms. Final premium and coverage terms appear on the Policy documents issued by the Carrier.
Quotes may expire after a stated period or upon Carrier rate revisions. We encourage you to confirm quote validity before proceeding with an application. Multiple quotes for the same risk may be generated for comparison purposes; selecting a quote does not guarantee issuance or a specific premium at bind.
Some quotes require a credit-based insurance score, motor vehicle report, claims history report, property inspection, or medical underwriting where permitted by law. You authorize JSI and applicable Carriers to obtain such reports as necessary to provide accurate quotes and process applications, consistent with the Fair Credit Reporting Act and our Privacy Policy.
JSI makes no guarantee, warranty, or representation—express or implied—that you will qualify for any particular insurance product, rate, or coverage limit. Approval, declination, and policy terms are solely at the discretion of the underwriting Carrier. Past performance, historical loss ratios, or prior approval with another Carrier do not ensure future results.
We do not guarantee that the Site will meet your requirements, that access will be uninterrupted or error-free, or that defects will be corrected. Educational content, blog articles, FAQs, and general guidance on the Site are for informational purposes only and do not constitute legal, tax, financial, or professional advice tailored to your specific situation. You should consult qualified professionals regarding matters beyond the scope of insurance placement.
JSI does not guarantee the financial strength, claims-paying ability, or ongoing solvency of any Carrier, though we strive to partner with reputable insurers. Ratings from third-party agencies such as A.M. Best are subject to change and are not endorsements by JSI. You are encouraged to review Carrier ratings and policy terms independently.
No oral or written statement by any JSI agent or representative shall create a guarantee unless expressly set forth in a signed agreement authorized by JSI management. Savings claims, "lowest price" comparisons, or illustrative premium examples on the Site are hypothetical and depend on individual circumstances.
You agree to use the Site and Services only for lawful purposes and in accordance with these Terms. You shall not:
We may monitor use of the Site for compliance and security purposes as described in our Privacy Policy. Violation of these conduct rules may result in immediate termination of access, referral to law enforcement, and cooperation with Carrier fraud investigations. You are responsible for maintaining the confidentiality of any account credentials and for all activity under your account.
Feedback, suggestions, or ideas you submit to JSI regarding the Site or Services may be used by us without restriction or compensation to you, except where prohibited by law. Do not submit confidential or proprietary information you expect to remain private unless through designated secure channels.
The Site and all Content, excluding User Content and third-party materials, are owned by JSI or its licensors and are protected by United States and international copyright, trademark, trade dress, and other intellectual property laws. The JSI name, logo, taglines, and distinctive branding elements are trademarks or service marks of JSI — Jeremy Stewart Insurance. You may not use our marks without prior written permission except as necessary to navigate the Site or identify JSI as your agent of record.
Subject to your compliance with these Terms, JSI grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes related to obtaining insurance information and Services. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any Content without express written authorization from JSI.
Third-party trademarks, Carrier logos, and product names appearing on the Site are the property of their respective owners and are used for identification purposes only. Display of a Carrier logo does not imply endorsement of JSI by that Carrier beyond the ordinary agency relationship.
If you believe Content on the Site infringes your copyright, please contact us at legal@jeremyastewart.com with a description of the alleged infringement and sufficient information for us to locate the material. We will respond in accordance with the Digital Millennium Copyright Act and applicable procedures.
Insurance policies offered through JSI are issued by independent third-party Carriers, not by JSI. Each Carrier is responsible for its own underwriting decisions, policy forms, claims handling, and regulatory compliance. When you purchase a Policy, your contractual relationship for coverage is with the Carrier, subject to the Policy terms. JSI acts as your agent in placing coverage and may act as agent of the Carrier for certain transactions as disclosed at application and as required by state law.
Carrier websites, payment portals, mobile apps, and claims systems linked from the Site are operated by third parties under their own terms and privacy policies. JSI is not responsible for the availability, security, or practices of external Carrier platforms. Links are provided for convenience and do not constitute an endorsement of all content on linked sites.
Disputes regarding claim denials, coverage interpretations, premium billing by the Carrier, or policy cancellations must generally be directed to the Carrier in the first instance. JSI will provide reasonable advocacy assistance as your agent but cannot override Carrier claim decisions or policy language. If you are dissatisfied with a Carrier's handling of a matter, you may have rights under state insurance department complaint processes, policy appeal procedures, or applicable bad faith law.
Carrier insolvency or withdrawal from a market may affect your coverage options at renewal. JSI will notify affected clients when practicable and assist with replacement coverage where possible, but we are not liable for Carrier financial failure or market exit.
Some products may be placed through surplus lines or non-admitted insurers where standard markets are unavailable. Such placements may involve additional taxes, fees, or disclosures required by your state. Your agent will explain surplus lines implications before binding coverage.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SITE, CONTENT, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. JSI EXPRESSLY DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND QUIET ENJOYMENT.
JSI does not warrant that Content is complete, current, or applicable to your jurisdiction or personal circumstances. Insurance laws and Carrier products change frequently; information on the Site may not reflect the most recent regulatory or product updates. You bear responsibility for verifying details before relying on Site content for financial or coverage decisions.
No advice or information, whether oral or written, obtained from JSI, the Site, or our agents creates any warranty not expressly stated in these Terms or in a written agency agreement signed by authorized JSI personnel. Testimonials, case studies, or client stories represent individual experiences and are not guarantees of similar outcomes.
Some jurisdictions do not allow exclusion of certain warranties; in such jurisdictions, the above exclusions apply to the maximum extent permitted by law. Nothing in these Terms excludes warranties that cannot be excluded under applicable consumer protection statutes.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL JSI, ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, PERSONAL INJURY, PROPERTY DAMAGE, OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE OR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF JSI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
JSI's total cumulative liability to you for all claims arising out of or relating to these Terms, the Site, or Services shall not exceed the greater of (a) the total commissions received by JSI from Carriers on policies you purchased through JSI during the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred United States dollars (US $100). This limitation applies regardless of the number of claims or causes of action.
The limitations in this section do not apply to liability that cannot be limited under applicable law, including certain statutory violations where prohibited. They also do not limit Carrier liability under your Policy, which is governed solely by Policy terms and applicable insurance law. JSI is not liable for acts or omissions of Carriers, third-party service providers, or other parties outside JSI's reasonable control.
You acknowledge that the limitations of liability reflect a reasonable allocation of risk and are a fundamental basis of the bargain between you and JSI. Some states do not allow limitation of incidental or consequential damages; in those states, JSI's liability shall be limited to the fullest extent permitted by law.
You agree to defend, indemnify, and hold harmless JSI and its owners, officers, employees, agents, successors, and assigns from and against any and all claims, demands, losses, liabilities, damages, judgments, settlements, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to: (a) your use of the Site or Services; (b) your violation of these Terms or applicable law; (c) your User Content or information submitted to JSI; (d) your misrepresentation or fraud in connection with an insurance application or claim; (e) your infringement of any third-party intellectual property or privacy rights; or (f) any dispute between you and a Carrier except to the extent caused by JSI's gross negligence or willful misconduct.
JSI reserves the right, at its own expense, to assume exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense. You shall not settle any matter subject to indemnification without JSI's prior written consent. This indemnification obligation survives termination of your use of the Site and these Terms.
If you are a California resident, you waive California Civil Code Section 1542 to the extent permitted by law, which provides that a general release does not extend to claims that the releasing party does not know or suspect to exist in their favor at the time of executing the release.
Except where prohibited by applicable law or where you opt out as described below, any dispute, controversy, or claim arising out of or relating to these Terms, the Site, or Services that cannot be resolved informally shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. The arbitration shall be conducted by a single arbitrator in the English language. Unless the parties agree otherwise, the seat of arbitration shall be in the state where JSI's principal place of business is located, and hearings may be conducted in person or by videoconference as the arbitrator determines.
The arbitrator shall have authority to award any relief that would be available in court, except that punitive damages and class-wide relief may be awarded only to the extent authorized by these Terms and applicable law. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
You and JSI agree that each may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding. If this class action waiver is found unenforceable, the entirety of this arbitration provision may be void at either party's election, and disputes shall proceed in court.
You may opt out of this arbitration agreement by sending written notice to legal@jeremyastewart.com within thirty (30) days of first accepting these Terms. Your notice must include your name, email address, and a clear statement that you wish to opt out of arbitration. Opting out will not affect other provisions of these Terms.
Notwithstanding the foregoing, either party may seek injunctive or equitable relief in court to prevent unauthorized use of intellectual property or confidential information without first engaging in arbitration. Small claims court actions within that court's jurisdictional limits are also permitted.
These Terms and any dispute arising out of or related to them or the Site shall be governed by and construed in accordance with the laws of the United States and the state in which JSI maintains its principal agency operations, without regard to conflict-of-law principles that would require application of another jurisdiction's laws. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
Insurance Policy terms are governed by the laws specified in the Policy and the state of domicile of the issuing Carrier or as required by your state of residence, which may differ from the law governing these Terms. Where state insurance regulations conflict with these Terms regarding insurance transactions, state insurance law shall control to the extent required.
Subject to the arbitration provision above, you consent to the exclusive jurisdiction and venue of the state and federal courts located in the state governing these Terms for any action not subject to arbitration. You waive any objection to such jurisdiction or venue, including forum non conveniens, to the extent permitted by law.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions shall continue in full force and effect. Failure by JSI to enforce any right or provision shall not constitute a waiver of such right or provision unless acknowledged in writing.
JSI may revise these Terms at any time by posting updated Terms on this page with a revised "Last Updated" date. Material changes may also be communicated by email to registered users or through a prominent notice on the Site where required by law. Your continued access to or use of the Site after the effective date of revised Terms constitutes acceptance of the changes.
If you do not agree to modified Terms, you must stop using the Site and Services. Modifications do not retroactively alter the terms of insurance Policies already issued by Carriers; those remain governed by the Policy documents in effect at issuance and renewal. Changes to agency service fees or procedures, if any, will be disclosed separately before they apply to you.
We encourage you to review this page periodically. Prior versions of these Terms may be available upon request by contacting legal@jeremyastewart.com.
These Terms, together with the Privacy Policy and any product-specific disclosures you accept, constitute the entire agreement between you and JSI regarding the Site and general agency Services, superseding prior oral or written understandings on those subjects. No agency, partnership, joint venture, or employment relationship is created between you and JSI by these Terms except the insurance agency relationship established when you engage our Services and as defined by applicable state law.
If you have questions about these Terms, wish to report a violation, need to send a legal notice, or want to exercise rights described herein, please contact us by email:
Legal Inquiries: legal@jeremyastewart.com
General Inquiries: info@jeremyastewart.com
We aim to respond to legal and compliance correspondence within a reasonable timeframe, typically within ten (10) business days. For urgent policy or claims matters, please contact your assigned agent or use the claims email provided on our Contact page. Formal service of legal process should be directed to the email address above unless applicable law requires an alternative method permitted in your jurisdiction.
By using jeremyastewart.com, you acknowledge that you have read these Terms and Services, understand them, and agree to be bound by them. Thank you for choosing JSI — Jeremy Stewart Insurance.
