Terms & Conditions

Welcome to Omni Shield Insurance Agency (“we,” “us,” or “our”). These Terms & Conditions govern your use of our website, services, and communications with our agency. By accessing or using this website, you agree to these Terms & Conditions.

Please read these terms carefully before using our website or submitting any information.

1. Website Use

The information provided on the Omni Shield Insurance Agency website is intended for general informational purposes only. While we strive to provide accurate and up-to-date information, we do not guarantee that all content is complete, current, or applicable to your specific insurance needs. Use of this website does not create an insurance contract, policy agreement, agent-client relationship, or guarantee of coverage.

2. SMS Terms of Service

By providing your mobile number and opting in to receive text messages from Omni Shield Insurance Agency, you consent to receive SMS messages related to your insurance account, policy updates, customer service, appointment reminders, and other service-related communications. Message frequency may vary. Message and data rates may apply. To opt in for our SMS services please text START. You may opt out at any time by replying STOP to any message. For assistance, reply HELP or contact us directly.

Your information will be handled in accordance with our Privacy Policy. Please see our Privacy Policy for additional details regarding how we collect, use, and protect your information.

3. Insurance Quotes and Coverage Information

Any insurance quote, estimate, or coverage recommendation provided by Omni Shield Insurance Agency is based on information available at the time of review and is subject to:

Accuracy and completeness of information provided
Insurance carrier underwriting guidelines
Eligibility requirements
Final approval by the insurance company
Applicable policy terms, conditions, exclusions, and limitations

A quote does not guarantee coverage, pricing, or acceptance by an insurance carrier.

Coverage is not effective until a policy has been issued, accepted, and confirmed in writing by the applicable insurance company.

4. Insurance Advice and Recommendations

Omni Shield Insurance Agency provides insurance guidance based on your stated needs and available options from our contracted insurance carriers. However, insurance coverage decisions are ultimately made based on your individual circumstances, policy terms, and risk preferences. We encourage you to carefully review all policy documents, coverage limits, exclusions, and conditions before purchasing insurance.

5. Carrier Relationships

As an independent insurance agency, Omni Shield Insurance Agency works with multiple insurance carriers to provide customers with coverage options. Each insurance company maintains its own underwriting guidelines, pricing, claims procedures, and policy terms. Omni Shield Insurance Agency does not control the decisions, actions, or financial stability of any insurance carrier.

6. Website Forms and Communications

Submitting a contact form, quote request, email, or other communication through our website does not guarantee a response within a specific timeframe or create an obligation for Omni Shield Insurance Agency to provide insurance coverage. By submitting your information, you authorize us to contact you regarding your insurance inquiry, products, services, and related communications.

You may opt out of marketing communications at any time by contacting us.

7. Accuracy of Information Provided

You are responsible for providing accurate, complete, and truthful information when requesting insurance services.

Failure to provide accurate information may affect:

Insurance eligibility
Premium calculations
Coverage availability
Claims decisions
Policy validity

You should notify Omni Shield Insurance Agency of any material changes that may affect your insurance coverage.

8. Third-Party Websites and Links

Our website may contain links to third-party websites, including insurance carriers, business partners, or informational resources. Omni Shield Insurance Agency does not control and is not responsible for the content, accuracy, security, or privacy practices of third-party websites. Accessing third-party websites is done at your own risk.

9. Intellectual Property

All content on this website, including text, graphics, logos, branding, images, and other materials, is the property of Omni Shield Insurance Agency unless otherwise stated.

You may not reproduce, distribute, modify, or use our website content without prior written permission.

10. Limitation of Liability

To the fullest extent permitted by law, Omni Shield Insurance Agency shall not be liable for any direct, indirect, incidental, consequential, or special damages resulting from:

Use of or inability to use this website
Reliance on website information
Errors or omissions in website content
Delays or interruptions in website availability
Actions taken based on information provided on this website

11. No Guarantee of Savings

Omni Shield Insurance Agency strives to provide competitive insurance options by comparing available products from multiple carriers. However, we do not guarantee that our quotes, recommendations, or services will result in lower premiums, savings, or improved coverage compared to any existing policy.

Insurance pricing is determined by individual risk factors and carrier guidelines.

12. Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.

13. Changes to These Terms

Omni Shield Insurance Agency reserves the right to update or modify these Terms & Conditions at any time. Changes will become effective when posted on this website with an updated effective date.

Your continued use of our website after changes are posted constitutes acceptance of the revised terms.

14. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws and regulations applicable to the jurisdictions in which Omni Shield Insurance Agency conducts business.