Terms & Conditions
Last Updated: 12/06/2024
Welcome to Fullsteam Insurance. These Terms of Use (“Terms”) govern your access to and use of the website located at www.fullsteam.io including all content, features, and services provided therein (collectively, the “Website”). By accessing or using our Website, you agree to comply with and be bound by these Terms, our Privacy Policy, and any other policies we may post from time to time.
If you do not agree with these Terms, please do not use the Website.
Insurance Services
Insurance services are offered by Crawford & Partners Insurance Agency, LLC, (“Fullsteam Insurance”) or Fields Group Insurance Services, LLC (“Fields Group Insurance”), affiliates of Fullsteam are licensed as insurance producers in the states where Fullsteam offers its Services.
By choosing to utilize Fullsteam’s insurance brokerage services ("Insurance Brokerage Services"), you agree to the following terms:
(i) designate Fullsteam as your broker or agent of record;
(ii) authorize Fullsteam to notify any insurance carrier, your previous insurance producer, or any other relevant parties of this designation;
(iii) engage exclusively with Fullsteam for the provision of Insurance Brokerage Services, unless otherwise agreed upon in writing;
(iv) agree to use Fullsteam’s third-party payment processing provider for all payments related to the Insurance Brokerage Services and to pay any associated transaction fees, which are separate from and not collected by Fullsteam; and
(v) grant Fullsteam the right to receive any commissions or other forms of compensation from insurance carriers in connection with the services provided.
1. Eligibility
By using our Website, you represent and warrant that you are at least 18 years old or have the consent of a parent or guardian. If you are under the legal age of majority in your jurisdiction, you may not use this Website without the consent and supervision of a parent or guardian.
2. Use of Website
You agree to use the Website only for lawful purposes and in accordance with these Terms. You are prohibited from using the Website in any manner that could damage, disable, or impair the Website or interfere with any other party’s use of the Website.
3. Account Registration
In certain areas of the Website, you may be required to create an account. By creating an account, you agree to provide accurate and complete information, and to maintain the security of your account. You are responsible for all activities that occur under your account, and you agree to notify us immediately of any unauthorized use.
4. Intellectual Property
The content on the Website, including but not limited to text, images, graphics, logos, videos, and software, is protected by intellectual property laws, and is owned by Fullsteam Insurance or its licensors. You may not use, copy, distribute, or modify the content without express permission from the appropriate rights holders.
5. User Content
If you submit any content (e.g., comments, reviews, or suggestions) to the Website, you grant us a worldwide, royalty-free, and irrevocable license to use, display, and distribute such content in connection with the Website. You retain ownership of your content, but you agree not to submit content that is unlawful, defamatory, obscene, or violates the rights of others.
6. Prohibited Activities
You may not use the Website to:
- Engage in any unlawful activities.
- Impersonate any person or entity or falsely represent your affiliation with any person or entity.
- Upload or transmit any viruses, malware, or other harmful code.
- Engage in any activity that disrupts or interferes with the Website’s functionality.
7. Third-Party Links
The Website may contain links to third-party websites or services that are not owned or controlled by us. We are not responsible for the content or privacy practices of these third-party sites. You acknowledge that we are not liable for any loss or damage incurred as a result of using these third-party links.
8. Limitation of Liability
To the fullest extent permitted by law, [Your Company Name] and its affiliates, partners, and employees are not liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of the Website. In no event shall our total liability exceed the amount you paid to use the Website.
UNDER NO CIRCUMSTANCES SHALL FULLSTEAM BE LIABLE FOR ANY LOSS OR DAMAGE, INCLUDING BUT NOT LIMITED TO GENERAL, SPECIAL, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES (SUCH AS LOSS OF PROFITS, LOSS OF GOODWILL, LOSS OF USE, LOSS OF DATA, BUSINESS INTERRUPTION, EMOTIONAL DISTRESS, OR OTHER INTANGIBLE LOSSES) ARISING OUT OF OR IN CONNECTION WITH: (A) YOUR USE OR INABILITY TO USE THE SERVICES, CONTENT, OR ANY THIRD-PARTY WEBSITES LINKED TO THE SERVICES OR CONTENT; (B) ANY PERFORMANCE FAILURE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR SYSTEM FAILURE; (C) THE COST OF OBTAINING SUBSTITUTE GOODS OR SERVICES; (D) PRODUCTS, DATA, INFORMATION, OR SERVICES PURCHASED OR OBTAINED THROUGH OR FROM THE SERVICES; (E) UNAUTHORIZED ACCESS OR ALTERATION OF YOUR DATA OR TRANSMISSIONS; (F) THE CONDUCT OR STATEMENTS OF ANY THIRD PARTY USING THE SERVICES; (G) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD-PARTY SITE; (H) ANY INJURIES OR DAMAGES ARISING FROM THE NEGLIGENCE OF FULLSTEAM, ITS EMPLOYEES, AGENTS, CONTRACTORS, SUPPLIERS, OR OTHERWISE IN CONNECTION WITH THE SERVICES; (I) ANY DELAYS OR FAILURE TO SUBMIT INSURANCE APPLICATIONS OR REQUEST SERVICES; (J) ACTIONS RELATED TO CLAIM SUBMISSIONS OR HANDLING; (K) DELAYS IN ISSUING OR TRACKING CERTIFICATES OF INSURANCE; OR (L) ANY OTHER MATTER ARISING OUT OF OR RELATING TO THE SERVICES, CONTENT, OR USER CONTENT. FULLSTEAM SHALL NOT BE HELD RESPONSIBLE FOR ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY USER.
YOUR SOLE REMEDY FOR ANY DISSATISFACTION WITH THE SERVICES OR CONTENT IS TO DISCONTINUE USE OF THE SERVICES OR ACCESS TO THE CONTENT. IN NO EVENT SHALL FULLSTEAM’S TOTAL LIABILITY TO YOU FOR ANY DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED THE AMOUNT OF COMMISSIONS, FEES, OR OTHER REMUNERATION RECEIVED BY FULLSTEAM FOR PROVIDING SERVICES TO YOU IN THE TWELVE MONTHS PRIOR TO THE ALLEGED INCIDENT CAUSING DAMAGES.
9. Indemnification
You agree to indemnify, defend, and hold harmless [Your Company Name] from any claims, losses, damages, liabilities, or expenses (including legal fees) arising from your violation of these Terms or your use of the Website.
10. Termination
We may suspend or terminate your access to the Website at any time, without notice, for conduct that violates these Terms or is otherwise harmful to other users or the Website’s operations.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the state or country in which Fullsteam Insurance or is located, without regard to its conflict of law principles. You agree to submit to the exclusive jurisdiction of the courts in the United States to resolve any disputes arising from these Terms.
12. Changes to Terms
We reserve the right to modify or update these Terms at any time. Any changes will be posted on this page, and the date of the last update will be indicated at the top of the page. By continuing to use the Website after any changes are posted, you accept the modified Terms.
13. Trademarks
The Fullsteam name, logo, and all related names and combinations of the foregoing, and all other trademarks, service marks, trade names, logos, icons designs, and slogans, registered or not, are the property are trademarks of Fullsteam or its affiliates or licensors. You must not use such trademarks without the prior written permission of Fullsteam. All other names, logos, product and service names, designs, and slogans on the Website are the trademarks of their respective owners.
14. Online Privacy
When you use our Website, we may obtain data from and about you and your device used to engage with the Website so we can continually improve your experience with Fullsteam.
If you submit information via our web application, we may use that information to obtain insurance quotes and produce other documents such as risk modeling.
15. Modification of policy or coverage
Unless otherwise expressly stated in writing, nothing contained on this website or provided to you by Fullsteam should be construed as modifying, changing or altering your policy or coverage thereunder.
16. Policy Summary
The coverage summaries, exclusions, endorsements, and other information provided by Fullsteam are intended for general informational purposes only and should not be construed as legal advice. While Fullsteam makes every effort to ensure the accuracy of these summaries, we do not guarantee their completeness or correctness. To confirm coverage, you should refer to your actual policy. The availability of coverage under your specific policy is determined by the policy language, the facts of the claim, and the laws of the jurisdiction that govern its interpretation.
18. Applications and quotes
Submitting an application for an insurance quote through this website does not guarantee that a quote will be provided. Applications may be declined based on available underwriting criteria, including information from third-party sources. Any quote provided by Fullsteam is an estimate of the terms, conditions, and costs of coverage and may be subject to the receipt of additional information or other requirements. Please note that a quote does not represent or guarantee insurance coverage.
19. Insurance and Underwriting
Insurance companies are solely responsible for determining whether to offer, renew, cancel, or non-renew insurance coverage, or to provide customers with the requested insurance products. In certain cases, Fullsteam may act on behalf of multiple unaffiliated insurance companies and may provide underwriting services in accordance with the guidelines and operational requirements set forth by those insurers. All decisions regarding insurance products, including but not limited to approval for coverage, premiums, commissions, fees, and the issuing company, are made solely by the insurer underwriting the policy, based on the insurer’s then-current criteria.
All insurance products are subject to the terms, conditions, and exclusions outlined in the applicable insurance policy. While Fullsteam strives to provide accurate pricing, coverage availability, and information, prices, terms, conditions, and exclusions are subject to change without notice. Not all services or insurance products may be available in all locations, states, jurisdictions, provinces, territories, or for all risk profiles. For complete terms and conditions, please refer to your policy. The obligations of the policy are the sole responsibility of the issuing insurance carrier. Fullsteam assumes no responsibility or liability for any loss resulting from underwriting decisions made in accordance with applicable requirements.
20. Legal Advice
The information provided on this website is not intended as a recommendation, advice, or a comprehensive description of any products, content, services, or plans.
Coverage is offered by various insurance companies and is governed by the terms and conditions of your specific policy. The availability of coverage under your policy is determined by the policy language, the details of the claim, and the laws of the jurisdiction that govern the policy's interpretation.
You should not rely on the information presented on this website as a substitute for legal advice. Nor should you delay seeking legal counsel, disregard legal advice, or initiate or discontinue any legal action based on the services or content provided here.
21. Your decision and responsibility
You agree to provide and receive all documents related to obtaining and using our Services electronically. This includes but is not limited to insurance applications, policies, endorsements, notices, disclosures, disclaimers, cancellations, and other relevant communications. Additionally, while you maintain an active policy with Fullsteam, you acknowledge that you cannot opt out of Service-related communications, whether they are electronic or otherwise.
By consenting to receive communications electronically, you understand that paper copies will not typically be provided unless required by law or specifically requested in writing. If you request a paper copy that is not legally mandated, a reasonable fee may apply to cover printing and delivery costs. To request a paper copy, please use the contact information provided below.
All information you submit in connection with any Services must be accurate, truthful, and not misleading. Your decision to purchase Services or act on any recommendations from Fullsteam is entirely your responsibility. By submitting or signing an insurance application, whether electronically or otherwise, you acknowledge that the application will serve as the basis for the contract if a policy is issued and may be included as part of that policy. Any information, representation, or warranty you provide is relied upon and is subject to applicable insurance fraud laws and regulations.
For any Services you purchase or order, including insurance policies obtained through the website or other means, the individual who makes the purchase or order will be designated as the primary contact for those Services. It is your responsibility to understand and manage your Team Settings to allow or restrict access as appropriate.
22. Payment
A. General Information
Fullsteam offers various payment options for the Insurance Services you select. Details about these payment options are outlined on the invoices provided. You may choose your preferred payment method as long as all transactions are conducted in US Dollars. By making a payment, you confirm that you are an authorized representative of the Insured and have the legal authority to use the payment method submitted.
Some Insurance Services may involve fees, surcharges, taxes, or other charges required by third parties. While Fullsteam strives to notify you of these charges in advance, the responsibility for ensuring these amounts are paid rests entirely with the Insured.
B. Use of Third-Party Payment Processors
Fullsteam works with third-party services to handle certain financial transactions. These providers may impose transaction fees and may also offer additional payment options, such as premium financing through lenders. It is your responsibility to review and understand the policies of these third parties and address any concerns directly with them. Fullsteam is not liable for your payment choices or interactions with these external services.
C. Premium Financing
Premium financing is a financial arrangement where a third-party lender funds the insurance premiums on your behalf. By choosing premium financing, you affirm that you are authorized to enter into such agreements for the Insured and confirm, to the best of your knowledge, the following:
- The policies being financed are active, and no interest in these policies has been assigned to others except for mortgagees or loss payees.
- The required down payment will be made.
- All information provided for the financing agreement and related insurance policies is accurate and truthful.
- The Insured is financially stable and not insolvent.
- The Insured has no overdue payments with the insurance providers issuing the financed policies.
- No clauses in the financed policies require Fullsteam or the lender to notify or seek approval from another party to cancel the policies.
If premium financing is used without proper authorization, the Insured remains liable for any unpaid amounts. Fullsteam reserves the right to cancel or withhold Services in accordance with applicable laws and agreements.
D. Financial Security and Fraud Prevention
Fraudulent activities such as phishing and scams aimed at altering payment information have become increasingly common. One notable concern is unauthorized changes to banking details for payments. Fullsteam will never change its banking information without verifying it through a second confirmation process. Additionally, neither Fullsteam nor its banks will contact you on our behalf to request changes to payment details.
If you receive a message claiming that Fullsteam’s banking details have changed or that differs from the payment instructions provided, contact your Fullsteam representative immediately. Avoid clicking on any links within such messages. For electronic payments, always log into your Fullsteam account and proceed to the Payments section to complete the transaction securely.
23. No Class Actions:
To the maximum extent allowed by applicable law, you agree that any disputes, claims, or legal actions you bring against Fullsteam related to or arising from the Services will be resolved on an individual basis. This means you will not participate in or pursue any form of class action, collective action, private attorney general action, or other representative proceeding. This waiver also applies to class arbitration, and unless Fullsteam provides explicit consent, the arbitrator is not permitted to combine or consolidate claims from multiple individuals.
Additionally, by agreeing to these terms, both you and Fullsteam waive the right to a jury trial or to take part in any class action, collective action, private attorney general action, or other representative legal proceeding.
24. Contact Us
If you have any questions about these Terms, please contact us at:
Fullsteam Insurance
Email: hello@fullsteam.io
Phone: 213.792.2846
Address: Los Angeles, CA 90292
25. Modification of Terms
Fullsteam reserves the right to update or modify these Terms at its sole discretion. The date of the most recent revision is listed below. By continuing to use Fullsteam’s website after any updates or changes have been made, you acknowledge and accept the revised Terms.