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Legal

Terms and Conditions of Use

Last Updated: October 2026

By accessing, browsing, or using this website (the “Site”), you agree to be bound by these Terms and Conditions of Use (“Terms”), all applicable laws and regulations, and acknowledge that you are responsible for compliance with all applicable local, state, and federal laws. If you do not agree to these Terms, you must not use this Site.

We reserve the right to update or revise these Terms at any time, with or without notice. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

1. Disclaimer & No Agent-Client Relationship

The materials on this Site are provided for general informational purposes only and do not constitute professional insurance advice or binding coverage. Accessing, viewing, or submitting information through this Site or contacting LC Simple Contractors Insurance Inc. does not create a formal agent-client relationship or bind insurance coverage. A formal relationship and binding coverage are established only upon confirmation, underwriting approval, and execution of policy documents with our licensed insurance professionals.

2. Privacy Policy

We maintain a Privacy Policy governing the collection, use, and protection of personal information. By using this Site, you acknowledge and agree to the practices described in our Privacy Policy. You are encouraged to review the Privacy Policy before submitting any personal information through this Site or through communications with us.

3. Consent to Be Contacted

By submitting your information through this Site or by contacting us via phone, text message, email, social media, or any other method, you acknowledge that you are requesting information regarding our commercial insurance services, contractor coverage options, and policy quotes.

You expressly consent to be contacted through the following methods:

  • Telephone calls (manual or automated)
  • Email
  • SMS/text messages
  • Direct mail

This consent applies even if your phone number is listed on a federal or state Do-Not-Call registry, to the extent permitted by applicable law.

4. Opt-Out of Communications

You may withdraw your consent at any time by notifying us via phone or email, or by replying STOP to any SMS message. Opting out may limit our ability to provide timely updates regarding policy quotes, coverage renewals, certificate issuance, or critical account alerts.

5. SMS Terms & Conditions

  • SMS Consent Communication: Information obtained as part of the SMS consent process will not be shared with third parties or affiliates for marketing or promotional purposes under any circumstances.
  • Types of SMS Communications: If you have consented to receive text messages, you may receive messages related to:
    • Quote inquiries, coverage assessments, and policy onboarding
    • Policy renewals, document requests, and certificate of insurance updates
    • Invoicing, premium payments, and billing inquiries
  • Message Frequency: Message frequency may vary depending on active policy requests, quote inquiries, and claim status updates (e.g., up to 5 SMS messages per policy window or inquiry).
  • Potential Fees for SMS Messaging:Standard message and data rates may apply depending on your mobile carrier's plan.
  • Opt-In Method: You may opt in to receive SMS messages digitally (via website contact forms, quote request forms, or online inquiries) or verbally (during a phone call or client intake).
  • Opt-Out Method: You can opt out of receiving SMS messages at any time by replying STOP to any text message you receive.
  • Help: For assistance, reply HELP to any text message or contact us directly through our support channels.

Standard Messaging Disclosures:

  • Message and data rates may apply.
  • You can opt out at any time by texting STOP.
  • For assistance, text HELP.
  • Message frequency may vary.

6. Restrictions on Use

This Site may be used only for lawful, informational, and operational purposes. You agree not to:

  • Use the Site for any unauthorized commercial purpose.
  • Copy, reproduce, frame, mirror, or co-brand any portion of the Site.
  • Use any name, logo, trademarks, or proprietary materials without written authorization.

7. Proprietary Rights

All content on this Site—including text, graphics, logos, layout, and design—is protected by applicable copyright and intellectual property laws. Content may be viewed or printed for personal, non-commercial use only. Any other use requires prior written consent from LC Simple Contractors Insurance Inc.

8. Accuracy of Materials

The materials appearing on this Site could include technical, typographical, or photographic errors. LC Simple Contractors Insurance Inc. does not warrant that any of the materials on its website are accurate, complete, or current. We may make changes to the materials contained on our website at any time without notice.

9. Disclaimer

This Site and its content are provided “as is” without warranties of any kind, express or implied. LC Simple Contractors Insurance Inc. disclaims all warranties, including merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

LC Simple Contractors Insurance Inc. shall not be liable for any damages arising out of the use or inability to use this Site or our services, including but not limited to communication errors, processing delays, or service interruption.

11. Contact Information

For questions regarding these Terms, please contact us via our contact channels: