Terms of Use

About Menlo Insurance Services

Menlo Insurance Services is a licensed insurance producer (CA License No. 6020106). We help individuals and businesses obtain commercial and personal lines coverage through admitted and non-admitted carriers.

Not insurance advice and no coverage created

The content on this website is provided for general educational and informational purposes only. It is not legal, tax, or professional advice, and it is not a recommendation to buy or decline any specific policy.

Nothing on this site binds coverage, amends a policy, or creates an insurance contract. Coverage exists only when a carrier issues a policy and the policy terms, conditions, exclusions, and endorsements control. If anything on this site conflicts with your policy, your policy governs.

Educational content and the Menlo Library

The Menlo Library explains standard insurance concepts in our own words. Coverage terms vary by carrier, state, and policy form, and the examples we use are illustrative. Always confirm the specifics of your situation with a licensed professional and your own policy documents before making decisions.

Intellectual property

The site design, text, graphics, guides, and the Menlo reference forms are the property of Menlo Insurance Services or its licensors and are protected by copyright and other laws. Menlo reference forms may be downloaded and shared under the separate Document Terms of Use published on this site. All other content may not be copied, reproduced, or republished without our written permission, except as allowed by fair use.

Third-party trademarks and form numbers

Insurance form numbers of other organizations are referenced solely for identification and education. Menlo Insurance Services is not affiliated with Insurance Services Office, Inc., Verisk Analytics, Inc., or the National Council on Compensation Insurance, Inc. Those form numbers and marks belong to their respective owners. We do not host or reproduce copyrighted third-party forms.

Acceptable use

You agree to use this site lawfully and not to misuse it. In particular, you agree not to:

• Use the site in a way that violates any law or regulation.
• Attempt to gain unauthorized access to any part of the site or its systems.
• Interfere with or disrupt the site, its security, or its availability.
• Scrape, harvest, or collect information from the site in a way that burdens our systems or infringes our rights.
• Misrepresent your identity or submit false information in a quote or request.

Quotes, requests, and communications

Any quote request or information you submit does not create a binding relationship until we confirm it and a carrier issues coverage. Quotes are estimates based on the information provided and are subject to underwriting review and approval. By submitting your contact details you agree that we may contact you about your request.

Disclaimer of warranties

This site is provided on an as-is and as-available basis. To the fullest extent permitted by law, Menlo Insurance Services disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.

Limitation of liability

To the fullest extent permitted by law, Menlo Insurance Services and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits or data, arising from your use of or inability to use this site or its content, even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify and hold harmless Menlo Insurance Services from any claims, losses, or expenses, including reasonable attorney fees, arising from your misuse of the site or your violation of these Terms.

Third-party links

This site may link to third-party websites, including carrier portals. We provide these links for convenience and do not endorse or take responsibility for the content, products, or practices of those sites.

Governing law

These Terms are governed by the laws of the State of California, without regard to its conflict of laws rules. Any dispute relating to these Terms or the site will be subject to the exclusive jurisdiction of the state and federal courts located in California.

Changes to these terms

We may update these Terms from time to time. When we do, we will revise the date at the top of this page. Your continued use of the site after an update means you accept the revised Terms.

Contact us

Questions about these Terms of Use can be sent to Menlo Insurance Services at support@menloinsurance.com.

Menlo Insurance Services, CA License No. 6020106.