1. Introduction

Welcome to 5-star Insurance (“we,” “us,” “our”). These Terms of Service (“Terms”) govern your access to and use of our website, services, and any communications (collectively the “Services”). By using our website or submitting information through our website, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use our Services.

2. Eligibility

You represent and warrant that you are at least 18 years old and able to enter legally binding contracts. If you are using our Services on behalf of a business or other entity, you affirm that you have the authority to bind that entity to these Terms.

3. Use of Services

You agree to use the Services only for lawful purposes and in compliance with all applicable local, state and federal laws. You may not use the Services to submit false or fraudulent information or for any purpose that undermines the insurance filing process required for FR-44 or other obligations.

4. Information You Provide

When you request quotes or submit any documentation, you must ensure that it is current, complete and accurate. We rely on your timely cooperation to evaluate your eligibility for FR-44 or other filings. We are not responsible for delays or denials caused by incorrect or incomplete information you provide.

5. Our Role

We act as an insurance agency licensed to assist with required filings (for example, FR-44 certificates) for Florida drivers. We do not issue insurance policies ourselves — we assist you in obtaining eligible coverage through licensed carriers and facilitate submission of required filings. Our Services do not guarantee approval of insurance or filing by a carrier.

6. No Warranty

Our Services and website are provided “as is” and “as available.” We make no guarantees about our ability to secure coverage under a particular policy, the exact cost, or the timeframe for state filings. We do not warrant that the Services will be uninterrupted, error-free, or immune from system delays or regulatory changes.

7. Payment Terms & Refunds

If your engagement includes agency service fees or premiums, those are subject to separate quote and agreement terms. Premiums are set by the insurance carrier and subject to underwriting. Any refunds, if available, will be governed by carrier policy and underwriting rules, not by us.

8. Termination and Policy Lapse

Once coverage is bound and filings submitted, you must maintain continuous compliance with the required insurance terms (e.g., the three-year FR-44 period for Florida). If your policy cancels or lapses, your license reinstatement may be jeopardized. We may terminate or suspend our Services if you fail to provide accurate information or comply with the terms.

9. Limitation of Liability

To the fullest extent permitted by law, our liability for any claim related to your use of the Services or filings will be limited to the amount of fees you paid to us during the prior twelve months. In no event will we be liable for indirect, incidental, consequential or punitive damages—even if advised of the possibility of such damage.

10. Indemnification

You agree to defend, indemnify and hold us harmless from any losses, liabilities, claims, costs or expenses (including attorney fees) that arise from your violation of these Terms, your misuse of the Services, or your provision of inaccurate or incomplete information.

11. Intellectual Property

All content on this website, including text, graphics, logos, and software, is our property or licensed to us. You may not reproduce, distribute, modify, transmit or create derivative works without our express written consent.

12. Changes to Terms

We reserve the right to change or update these Terms at our discretion. Any changes will become effective when posted on our website, and your continued use of the Services after that posting means you accept the revised Terms. Please check this page periodically.

13. Governing Law

These Terms shall be governed by and construed under the laws of the State of Florida, without regard to its conflict of law principles. Any dispute arising under these Terms will be resolved in the state or federal courts located in [ appropriate county, Florida ].

14. Contact Information

If you have questions, concerns or notices regarding these Terms, please contact us at:
5-star Insurance
Address: 475 Central Ave, Saint Petersburg, Florida 33701
Phone: (727) 620-3620

Note: These Terms of Service are only for your website and agency operations. They do not replace the specific insurance policies, filings, or carrier contracts that actually govern your coverage. Always consult your individual insurance policy, filing requirements, and regulatory legal advice.

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