Please read these terms carefully before using our services
These Terms and Conditions govern your use of this Website. They are a binding legal agreement between you and CONSTRUCTION PRO'S INSURANCE SERVICES (CONSTRUCTION PRO'S INSURANCE SERVICES). By using the Website, you accept these Terms and Conditions and agree to be bound by them. You also agree to be bound by our Privacy Statement incorporated herein.
If you do not accept these Terms and Conditions or any part thereof, or our Privacy Statement, you are not authorized to and must not use this Website.
The terms "we," "us," or "our" mean CONSTRUCTION PRO'S INSURANCE SERVICES, a California Corporation, and any principal, agent, or subsidiary thereof. The terms "you," "your," "customer," and "user" shall mean you, any users of our Website, and any entity or organization you or such users represent, you hereby represent you have the authority to bind any such entity or organization. The term "Website" means, collectively, our Website and any applications, information, services, email, and other media, through which you have accessed these Terms and Conditions. These Terms and Conditions contain an agreement to arbitrate all claims and disclaimers of warranties and liability.
By using this Website, you acknowledge that you have read and understand our Privacy Statement. These Terms and Conditions incorporate our Privacy Statement in full, and by agreeing to the Terms and Conditions, you agree to be bound by the terms of the Privacy Statement. You also acknowledge receipt of our Cookies Policy, which is incorporated into our Privacy Statement.
By using this Website, you consent to and agree that CONSTRUCTION PRO'S INSURANCE SERVICES may collect data and Personal Data, even if CONSTRUCTION PRO'S INSURANCE SERVICES may not ultimately be able to offer you any available products or services or provide any insurance products as requested. When you provide us with any information about yourself or a third party, you agree that CONSTRUCTION PRO'S INSURANCE SERVICES reserves the right to use that information for other commercial purposes.
When applying for a commercial automobile insurance policy, you represent that you have provided notice to and obtained consent from your employees that will allow us to obtain any motor vehicle records related to those employees to be used in underwriting decisions.
By using our Website, you consent to receive all insurance documents – including identification cards – in electronic form only to an email address you provide, except where electronic delivery is not allowed by law or regulation.
If you are unable to access information electronically, you are able to call us at (866) 805-3800, and one of our representatives can provide you with a physical copy.
Unless otherwise stated, CONSTRUCTION PRO'S INSURANCE SERVICES and/or its licensors own the intellectual property rights on the Website and material on the Website. Subject to any license which may be granted for use by CONSTRUCTION PRO'S INSURANCE SERVICES below, all these intellectual property rights are reserved. You may view, download for caching purposes only, and print pages or other content from the Website for your own personal use, subject to the restrictions set out below and elsewhere in these Terms and Conditions. You must not: republish material from this Website (including republication on another website); sell, rent, or sub-license material from the Website; show any material from the Website in public; reproduce, duplicate, copy, or otherwise exploit material on this Website for a commercial purpose; edit or otherwise modify any material on the Website; or redistribute material from this Website except for content specifically and expressly made available for redistribution. Where content is specifically made available for redistribution, it may only be redistributed within CONSTRUCTION PRO'S INSURANCE SERVICES.
This Website is provided "as is" without any representations or warranties, express or implied. CONSTRUCTION PRO'S INSURANCE SERVICES makes no representations or warranties in relation to this Website or the information and materials provided on this Website. Without prejudice to the generality of the foregoing paragraph, CONSTRUCTION PRO'S INSURANCE SERVICES does not warrant that: this Website will constantly be available, or available at all; or that the information on this Website is complete, true, accurate, or non-misleading. Nothing on this Website constitutes or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial, or medical matter, you should consult an appropriate professional. CONSTRUCTION PRO'S INSURANCE SERVICES reserves the sole right to suspend or discontinue this Website at any time in our sole discretion and without prior notice or consent.
You are responsible for anything you transmit to or through CONSTRUCTION PRO'S INSURANCE SERVICES Website or to CONSTRUCTION PRO'S INSURANCE SERVICES through email, short message service or text, voice calls, Facebook, Twitter, LinkedIn, Instagram, Google Review, Yelp, or any similar service. You represent that your transmissions to CONSTRUCTION PRO'S INSURANCE SERVICES are and will be truthful, accurate, not misleading, and offered in good faith and that you have the authority to transmit such information. In using this Website, you agree that it is solely your responsibility to avoid certain activities that we deem, at our sole discretion, to be prohibited. These prohibited activities include, without limitation:
We may restrict, suspend, or terminate your use of or access to our Website as a result of a violation of the Terms and Conditions; or change the content, without providing notice at our discretion, as permitted by law.
CONSTRUCTION PRO'S INSURANCE SERVICES reserves the right, but has no obligation to, monitor our Website for your or third-party violations of the Terms and Conditions; take appropriate legal action against anyone who violates the Terms and Conditions; refuse or restrict access to or availability of any user's interaction with the Website; or otherwise disable all files and content at our discretion, and otherwise manage the Website in order to protect the rights and property of CONSTRUCTION PRO'S INSURANCE SERVICES and its customers.
CONSTRUCTION PRO'S INSURANCE SERVICES makes no warranty of any kind whatsoever – express or implied – with respect to the contents of its Website. CONSTRUCTION PRO'S INSURANCE SERVICES hereby specifically disclaims any and all implied warranties of merchantability, title, non-infringement, and fitness for a particular purpose. You expressly agree that your use of our Website is at your sole risk. It is solely your independent duty and responsibility to verify and evaluate the accuracy, correctness, reliability, and completeness of any information contained herein. We make no warranty or guarantee that any content available for downloading is free from infection from any computer programming or other glitches which may contaminate, damage, interfere with, destroy, intercept, or expropriate any system, data, or personal information. We do not make any representations, warranties, or guarantees – express or implied – regarding quotes or offers provided on or through our Website.
CONSTRUCTION PRO'S INSURANCE SERVICES makes no representations, warranties, or guarantees with respect to quotes, terms, rates, coverage, or services offered to you by insurers through our Website. CONSTRUCTION PRO'S INSURANCE SERVICES believes the content provided through its Website to be accurate, complete, and current. However, inadvertent technical or factual inaccuracies may arise, and therefore, CONSTRUCTION PRO'S INSURANCE SERVICES does not warrant that its content is accurate, complete, and current. Content that CONSTRUCTION PRO'S INSURANCE SERVICES provides through its Website is meant to assist you with insurance decisions. However, such information merely constitutes a general description of insurance coverage potentially available. Any particular coverage provided to you by any insurance company or other third party is subject to that company's terms, conditions, exclusions, and underwriting practices. You must submit a complete application to obtain a particular coverage. Issuance of insurance coverage is dependent on underwriting approval from the insurer to which you are applying for coverage; availability and coverages may vary by state. We also recommend that you obtain additional information and advice from your accountant, attorney, and other advisors that can take your individual circumstances into account. The insurance policy you purchase forms the exclusive contract between you and the insurer or other third party, and you agree to not rely on the general information or descriptions of coverage made available through CONSTRUCTION PRO'S INSURANCE SERVICES Website. You hereby release CONSTRUCTION PRO'S INSURANCE SERVICES of any loss, cost, damages, or claim in connection with or arising from your purchase of any insurance policy, including any fees charged.
By using our Website, you represent and warrant to us that:
If any of the above statements are not true, you should not and are not authorized to use our Website.
By using our Website, you agree to indemnify, defend, and hold harmless CONSTRUCTION PRO'S INSURANCE SERVICES and its agents against any claim, cost, fine, or damages, including attorneys' fees, arising from, or related to your use of our Website.
You may not transfer, assign, or license your rights under the Terms and Conditions without our prior express and written consent.
Any insurance policy issued through this Website is subject to the terms and conditions of the issuing insurance company. Any policy may be canceled or non-renewed for nonpayment or other reasons in accordance with state regulations, including termination of the policy for a single claim or loss where allowed.
CONSTRUCTION PRO'S INSURANCE SERVICES is not responsible for any such cancellation or nonrenewal, which is at the sole discretion of the issuing insurance company.
Our Website is intended for use in those areas in the United States where we, our affiliates, our brokers, or our agents are licensed and permitted to sell insurance products. Although our Website may be accessed by users in other locations, any offer or transaction for any feature, product, or service is void where prohibited by law.
You agree that the Terms and Conditions and any incorporated Privacy Statement are governed and interpreted by the laws of the State of California without regard to principles of conflicts of law. By using our Website, you agree to personal and exclusive jurisdiction of the state and federal courts of California in order to resolve any dispute arising from your use of the Website, including but not limited to the enforcement of any arbitration agreement. You further agree to waive any objection to such jurisdiction or venue.
Any controversy or claim arising out of or relating to the Terms and Conditions shall be finally resolved by binding arbitration following the parties' best efforts to settle such dispute, claim, question, or disagreement. If a binding arbitration occurs, it shall be administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules and its procedures for consumer disputes, except for any rules or procedures permitting class actions or otherwise contradictory to the Terms and Conditions. An arbitrator shall have exclusive authority to resolve all disputes, including whether this or any other provision contained in the Terms and Conditions is void or voidable. The arbitrator's award shall be binding and may be entered as a judgment in any court of competent jurisdiction and in accordance with the Governing Law and Jurisdiction clause herein.
The parties understand that absent this Arbitration Agreement provision, they may otherwise have the right to sue in a court of law and may have the right to a trial by jury. While arbitration is intended to be more cost-effective, in some instances, the cost of arbitration may exceed the cost of civil litigation in a court. Moreover, the rules and procedures of arbitration may limit discovery.
The parties agree that any arbitration shall be conducted only in their individual or single entity capacity, and the parties expressly forego the right or option to file or join a class action or other representative action. Should any court or arbitrator determine that the class action waiver set forth in this section is void or otherwise unenforceable or that arbitration can proceed on a class basis, then the arbitration provision shall be deemed null and void in its entirety, and the parties shall be deemed to have not agreed to arbitrate any dispute.
Notwithstanding the parties' decision to resolve all disputes through arbitration, relief may also be sought in a small claims court for disputes or claims within that court's jurisdiction—subject to the Governing Law and Jurisdiction clause of the Terms and Conditions.
You have the right to opt out and not be bound by the arbitration agreement and class action provisions of this section by sending written notice of your decision to opt out to the following address:
Such notice must be sent within thirty (30) days of the initial use of our Website, or else you shall be bound to arbitrate disputes in accordance with these Terms and Conditions. Any such opt out shall be mutual. We reserve the right to terminate your use of our Website should you opt-out.
These Terms and Conditions may not be modified through oral agreement or statements. CONSTRUCTION PRO'S INSURANCE SERVICES and CONSTRUCTION PRO'S INSURANCE SERVICES alone have the authority to modify these Terms and Conditions in writing at its sole and absolute discretion.
When you submit contact information to us as part of a request for a quote, you consent to receive telephone calls, emails, text messages, mailers, or other similar communications. In communications arising out of your request for insurance quotes, you agree to these communications even if your phone number is on a "do not call" list.
In the event that any provision contained within these Terms and Conditions is deemed to be ambiguous, invalid, or unenforceable, such finding shall apply only to that provision, and the remaining provisions of the Terms of Conditions remain in full force and effect.
Neither party shall be deemed to have waived, in whole or in part, any of its rights granted herein by its failure to exercise, in whole or in part, any right herein.
The Terms and Conditions and only those Policies or Notices expressly incorporated by reference herein constitute the entire agreement of the parties and supersede any prior or contemporaneous agreements, understandings, warranties, or understandings, whether written or oral, whether express or implied.
At its sole discretion, CONSTRUCTION PRO'S INSURANCE SERVICES may amend these Terms and Conditions from time to time. We will post any such material changes to our Website along with a notice indicating that the Terms and Conditions have changed when practicable. However, any amendments to these Terms and Conditions shall be enforceable when posted to the Website, whether separate notice is included or not.
In the event CONSTRUCTION PRO'S INSURANCE SERVICES chooses to provide you with notices under or related to these Terms and Conditions, you consent to receive such notices or related communications electronically. You further agree that any such communication as described herein satisfies any legal requirement that the communication must be provided in writing.
If you have any questions about the Terms of Service or wish to notify us in relation to your use of our Website, you may contact CONSTRUCTION PRO'S INSURANCE SERVICES:
Email: office@proriskinc.com
Phone: 888-493-8055
Address: 65 Enterprise Aliso Viejo, CA 92656