Terms of Service

1 Acceptance of Terms

Welcome to First Underwriters Insurance Brokers ("Company," "we," "us," or "our"). By accessing or using our website located at firstunderwriters.com (the "Website") or any of our services, you agree to be bound by these Terms of Service ("Terms").

If you do not agree to all of these Terms, you are prohibited from using this Website and must discontinue use immediately. Your continued use of the Website following the posting of any changes to these Terms constitutes acceptance of those changes.

2 Description of Services

First Underwriters Insurance Brokers is an independent commercial insurance brokerage serving businesses in the Pacific Northwest and beyond. Our services include, but are not limited to:

• Commercial insurance brokerage and placement
• Insurance policy review and analysis
• Risk assessment and management consultation
• Claims assistance and advocacy
• Certificate of insurance issuance
• Policy renewal and management services
• Educational resources and informational content

We work with over 50 A-rated insurance carriers to provide customized coverage solutions for businesses in industries including construction, trucking, manufacturing, real estate, and more.

3 Eligibility

To use our Website and services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• If acting on behalf of a business, have the authority to bind that business to these Terms
• Provide accurate, current, and complete information when requested
• Not be prohibited from using the services under applicable law

4 User Responsibilities

When using our Website and services, you agree to:

• Provide truthful, accurate, and complete information in all forms, applications, and communications
• Promptly update any information that changes
• Use the Website only for lawful purposes
• Not attempt to gain unauthorized access to any portion of the Website or its systems
• Not interfere with or disrupt the Website's functionality
• Not transmit any viruses, malware, or other harmful code
• Not collect or harvest information about other users
• Comply with all applicable local, state, and federal laws and regulations

5 Insurance Disclaimer

Please understand the following regarding our insurance services:

• Not Insurance Advice: Information provided on this Website is for general informational purposes only and does not constitute professional insurance, legal, financial, or tax advice.
• Broker, Not Insurer: First Underwriters Insurance Brokers acts as an insurance broker, not an insurance company. We do not underwrite policies or pay claims—insurance carriers do.
• Coverage Decisions: All coverage decisions, including policy terms, conditions, exclusions, and premium amounts, are made solely by the insurance carriers.
• Policy Terms Control: The actual insurance policy issued by the carrier will govern all coverage. In case of any conflict between information on this Website and the policy, the policy terms control.
• No Guarantee of Coverage: Submitting an application or receiving a quote does not guarantee that coverage will be issued or that any claim will be covered.
• Review Your Policy: You are responsible for reading and understanding your insurance policy documents. Contact us or your carrier with any questions about your coverage.

6 Quotes & Estimates

Regarding insurance quotes and estimates provided through our Website or services:

• Quotes are estimates only and are not binding offers of coverage
• Final premiums may differ based on underwriting review, verification of information, and carrier decisions
• Quotes are typically valid for 30 days unless otherwise specified
• Coverage is not effective until a policy is issued by the insurance carrier and any required premium is paid
• We reserve the right to correct any errors in quotes
• Quote accuracy depends on the accuracy of information you provide

7 Privacy & Data Collection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using our Website and services, you consent to:

• The collection of information you voluntarily provide
• The use of cookies and similar tracking technologies
• Sharing of information with insurance carriers for quoting and underwriting purposes
• Receiving communications from us regarding your inquiries and services

8 Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of First Underwriters Insurance Brokers or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not:

• Reproduce, distribute, modify, or create derivative works from any content without our express written permission
• Use our trademarks, logos, or service marks without prior written consent
• Remove any copyright or proprietary notices from our materials
• Mirror or frame any portion of our Website

9 Third-Party Links

Our Website may contain links to third-party websites, including insurance carrier websites, industry resources, and other external sites. These links are provided for your convenience only.

We do not:

• Control or endorse the content of third-party websites
• Guarantee the accuracy or completeness of information on linked sites
• Accept responsibility for any loss or damage arising from your use of third-party websites

We encourage you to review the terms and privacy policies of any third-party websites you visit.

10 Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, MATERIALS, INFORMATION, AND SERVICES PROVIDED ON OR THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties of non-infringement
• Warranties regarding the accuracy, reliability, or completeness of content
• Warranties that the Website will be uninterrupted, error-free, or secure

11 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FIRST UNDERWRITERS INSURANCE BROKERS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Business interruption
• Personal injury or property damage

ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE WEBSITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability for any claims arising from these Terms or your use of the Website shall not exceed the greater of (a) the amount you paid us, if any, in the twelve (12) months prior to the claim, or (b) one hundred dollars ($100).

12 Indemnification

You agree to indemnify, defend, and hold harmless First Underwriters Insurance Brokers and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the Website or services
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Your violation of any third-party rights
• Any information you provide to us that is false, misleading, or incomplete

13 Termination

We reserve the right to terminate or suspend your access to the Website and services at any time, without prior notice or liability, for any reason, including but not limited to:

• Violation of these Terms
• Conduct that we believe is harmful to other users, us, or third parties
• Conduct that we believe is fraudulent or illegal

Upon termination, your right to use the Website will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

14 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Washington, without regard to its conflict of law provisions.

Any dispute arising from or relating to these Terms or your use of the Website shall be resolved exclusively in the state or federal courts located in King County, Washington. You hereby consent to the personal jurisdiction of such courts and waive any objection to venue in such courts.

15 Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes, we will:

• Update the "Last Updated" date at the top of this page
• Post the revised Terms on the Website
• For material changes, we may provide additional notice (such as an email notification or prominent notice on our Website)

Your continued use of the Website after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

16 Contact Information

If you have any questions, concerns, or comments about these Terms of Service, please contact us:

Mailing Address:
First Underwriters Insurance Brokers
Kirkland, Washington 98033