Effective Date: December 31, 2026
Last Updated: February 20, 2026
These Website Terms of Use ("Terms") govern your access to and use of the websites, pages, forms, and online services operated by Alamo Insurance Group, Inc. (or the correct legal entity listed below) ("Alamo," "we," "us," or "our"), including alamoinsurance.net and any related subdomains, mobile experiences, and any development/staging versions (collectively, the "Site").
By accessing, browsing, or using the Site, you agree to these Terms. If you do not agree, do not use the Site.
1) Definitions
To keep this readable:
- "You" means any visitor, user, customer, prospect, employer group, employee, or representative accessing the Site.
- "Services" means insurance brokerage/agency services, benefit consulting, and related support we provide, whether initiated through the Site or otherwise.
- "Carrier" means an insurance company that underwrites and issues policies.
- "Submission" means any information or documents you provide through the Site (forms, uploads, messages, etc.).
2) Who We Are (and Who Actually Issues Insurance)
We are an insurance agency/broker. We do not underwrite insurance and we are not the insurer. Insurance coverage, rates, eligibility, underwriting decisions, and claims determinations are made solely by the applicable Carrier, under the Carrier's policy terms.
Nothing on the Site changes the terms of any policy. If there is a conflict between Site information and policy documents, the policy documents control.
3) Eligibility and Permitted Use
You may use the Site only if you:
- are at least 18 years old, and
- can enter into a binding agreement under applicable law, and
- will use the Site for lawful purposes.
You agree not to use the Site in any way that could damage, disable, overburden, or impair the Site or interfere with anyone else's use.
4) No Binding Coverage, No Immediate Policy Changes Through the Site
The Site may allow you to request quotes, ask questions, upload documents, or submit service requests. However, Site use does not:
- bind or activate coverage,
- guarantee acceptance by any Carrier,
- change, add, or remove coverage,
- reinstate or cancel a policy, or
- constitute Carrier notice of any kind.
Coverage is effective only if and when the Carrier (or an authorized licensed representative) confirms coverage in writing, and any required premium is paid and accepted, subject to underwriting and policy requirements.
If you need time-sensitive changes (for example: adding a vehicle, adding an insured, changing limits, canceling, reinstating), you must contact us by phone at (877) 55-ALAMO during business hours and obtain written confirmation.
5) Quotes and Estimates Are Non-Binding
Any quote, indication, estimate, illustration, or proposal provided through the Site or by our team is non-binding and may change based on:
- underwriting review,
- inspections,
- updated application information,
- loss history,
- credit-based insurance score (where permitted),
- Carrier guidelines, and
- state-specific requirements.
Final premiums and coverage terms are determined by the Carrier and confirmed only upon issuance of a binder or policy documentation.
6) Claims Reporting and Time-Sensitive Notices
Do not use the Site to report a claim. The Site is not designed for emergency or time-sensitive communications.
Claims and claim notices must be submitted directly to the Carrier using the Carrier's claims process. If you are unsure how to file a claim, contact us at (877) 55-ALAMO or info@alamoinsurance.net and we will provide Carrier claims contact instructions.
Using the Site or sending us an email/text does not satisfy any policy requirement to provide prompt notice of a claim or loss.
7) Not Legal, Tax, or Financial Advice
The Site may include articles, checklists, newsletters, or educational resources. This content is provided for general information only and is not legal, tax, accounting, investment, HR, benefits compliance, or other professional advice.
You are responsible for obtaining professional advice suitable to your situation. Insurance products may involve regulatory and contractual requirements that vary by state and Carrier.
8) Jurisdiction and Licensing
We only solicit, negotiate, or sell insurance in jurisdictions where we (and our representatives) are properly licensed. The Site is not an offer to sell insurance where prohibited. Some Services may not be available in all states.
9) Communications, Consent, and Electronic Records
By providing your contact information and using the Site, you consent to receive communications from us related to your inquiry or Services, including via email, phone call, and text message.
Email and Phone
We may contact you to:
- respond to your request,
- collect information needed for quoting/servicing,
- provide policy and billing-related communications,
- communicate renewal, compliance, or service updates.
Text Messaging (SMS/MMS)
If you provide a mobile number, you authorize us (and our service providers) to send texts related to your request and Services. Message frequency varies. Message and data rates may apply.
Opt-out: You can opt out at any time by replying STOP or using any other reasonable opt-out method described in our messages or by contacting us at info@alamoinsurance.net or (877) 55-ALAMO.
Help: Reply HELP or contact info@alamoinsurance.net or (877) 55-ALAMO.
Electronic Notices
You agree that communications and documents delivered electronically (where permitted) satisfy any legal notice requirements. You are responsible for keeping your contact details current.
10) Information You Provide: Accuracy and Authority
You agree that all information you submit through the Site is accurate and complete to the best of your knowledge. If you submit information on behalf of a business or another person (for example, an employer submitting benefit information), you represent that you have authority to do so.
You understand that incorrect or incomplete information can result in:
- inaccurate quotes,
- denial of coverage,
- rescission,
- claim denial, or
- higher premiums.
11) Submissions and Uploads
If you upload or submit documents (IDs, loss runs, payroll, driver info, census data, etc.), you:
- confirm you have the right to share them,
- authorize us to use them to quote, place, and service insurance,
- authorize us to share them with Carriers, wholesalers, MGAs, TPAs, and service providers as needed to fulfill your request.
Do not submit information you do not want used for underwriting or servicing. If you mistakenly submit sensitive information, contact us promptly.
12) Payments (Only If You Accept Payments Through the Site)
If the Site allows payments (premiums, fees, deposits), you understand:
- payment processing may be handled by third-party processors,
- your payment does not guarantee coverage unless confirmed in writing,
- refunds (if any) are governed by Carrier and legal requirements,
- certain fees (for example, service fees or non-refundable processing fees) may not be refundable where permitted by law.
If you do not accept payments through the Site, remove this section.
13) Third-Party Services and Links
The Site may link to Carrier portals, partner platforms, payroll/benefits tools, discount/perks sites, or other third-party services. We do not control third-party sites and are not responsible for their:
- content or accuracy,
- security practices,
- downtime or service failures,
- terms, policies, or pricing.
Your use of third-party sites is at your own risk and subject to their terms.
14) Intellectual Property
The Site and its content (text, graphics, logos, layout, design, and materials) are owned by us or our licensors and protected by intellectual property laws.
You may view and print content for personal or internal business use only. You may not copy, reproduce, distribute, modify, create derivative works, or exploit Site content without our written permission.
15) Prohibited Activities
You agree not to:
- attempt to access systems or data you are not authorized to access,
- scrape, crawl, or harvest data without permission,
- introduce malware or harmful code,
- perform denial-of-service attacks or disrupt Site operation,
- use the Site to harass, defraud, or violate others' rights,
- upload content that is unlawful, infringing, or harmful.
We may monitor for security and abuse and may block or suspend access for suspected violations.
16) Security and Availability
We take reasonable steps to protect the Site, but no system is perfectly secure. You are responsible for:
- using secure networks when submitting sensitive information,
- maintaining up-to-date devices and browsers,
- notifying us if you believe your information has been compromised.
The Site may be unavailable from time to time due to maintenance, outages, or third-party failures. We do not guarantee uninterrupted availability.
17) Disclaimers
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.
We do not warrant that:
- the Site will be error-free or uninterrupted,
- any defects will be corrected immediately,
- information will always be current or complete.
18) Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE.
OUR TOTAL LIABILITY FOR SITE-RELATED CLAIMS WILL NOT EXCEED $100 OR THE AMOUNT YOU PAID TO ACCESS THE SITE (WHICHEVER IS GREATER).
Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
19) Indemnification
You agree to defend, indemnify, and hold harmless us and our affiliates from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from:
- your use of the Site,
- your Submissions,
- your violation of these Terms, or
- your violation of any law or third-party right.
20) Changes to the Site or Terms
We may update the Site or these Terms at any time. Changes become effective when posted. Your continued use of the Site after updates means you accept the updated Terms.
21) Termination
We may suspend or terminate access to the Site at any time, with or without notice, to protect the Site, our users, our partners, or our business, including if we suspect misuse or violation of these Terms.
22) Governing Law and Venue
These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law rules. Any dispute will be brought in the state or federal courts located in New Jersey, and you consent to their jurisdiction.
23) Miscellaneous Legal Boilerplate (Yes, It's Standard)
- Severability: If any provision is unenforceable, the rest remain in effect.
- Waiver: Failure to enforce a provision is not a waiver.
- Assignment: You may not assign these Terms without our consent. We may assign these Terms as part of a merger, acquisition, or sale.
- Entire Agreement: These Terms and any policies incorporated by reference are the entire agreement regarding Site use.
- Survival: Sections that should naturally survive termination (IP, disclaimers, limitation of liability, indemnification, governing law) will survive.
24) Contact Information
Alamo Insurance Group, Inc.
55 Flanagan Way, Secaucus, NJ 07094
Email: info@alamoinsurance.net
Phone: (877) 55-ALAMO