Terms and Conditions

Effective date: September 4, 2026

1. About these terms

These Terms and Conditions govern your use of the All Brevard Insurance website and its online features. “All Brevard Insurance,” “we,” “us,” and “our” refer to the insurance agency operating this website. If you use the website for a business or another person, you represent that you have authority to do so.

2. Insurance information; no coverage is bound online

This website provides general information about insurance products and agency services. Website content is not an insurance policy, binder, contract, guarantee of coverage, or promise that any insurer will issue a policy. A quote request, message, uploaded document, or other website submission does not bind, change, renew, cancel, or reinstate coverage.

Coverage exists only when confirmed in a written binder or policy issued by an authorized insurer or otherwise confirmed by a properly licensed and appointed insurance professional with authority to do so. Policy terms, exclusions, limits, deductibles, eligibility, underwriting, availability, and pricing are controlled by the applicable insurer and policy documents. Do not rely on the website to make time-sensitive coverage changes; call our office and obtain confirmation.

Insurance products and services are offered only in jurisdictions, and by persons, where applicable licensing and appointment requirements are satisfied. References to particular products do not mean they are available to every person or risk.

3. Quotes and information you provide

You agree to provide accurate, current, and complete information. Estimates and indications are based on the information available when prepared and may change after verification, underwriting, inspection, reports, or carrier review. You are responsible for reviewing applications, binders, declarations, and policies for accuracy and promptly reporting errors or changed circumstances.

4. Electronic communications and records

When you submit a request through the website, you authorize us to respond using the contact information you provide about that request. This does not create consent for unrelated marketing where separate consent is required by law.

To the extent the Florida Uniform Electronic Transaction Act applies, the parties may agree through their conduct to use electronic records for a particular transaction. Nothing on this website requires you to conduct other transactions electronically. You may ask to communicate through another available method by calling (321) 255-3337. A routine website submission is not, by itself, an electronic signature, acceptance of an insurance contract, or confirmation that coverage is in force.

5. Permitted use

You may use the website for lawful, personal, and legitimate business purposes. You may not:

• provide false information, impersonate another person, or misrepresent your authority;
• attempt unauthorized access to the website, accounts, systems, or data;
• introduce malware, interfere with operation or security, or evade access controls;
• use automated means to scrape, copy, or overload the website without written permission; or
• use website content in a way that violates law or the rights of another person.

6. Intellectual property

The website’s text, graphics, logos, design, and other content are owned by us or used with permission and are protected by applicable intellectual-property laws. You may view and print reasonable portions for your personal, noncommercial use. No other license is granted.

7. Third-party services and links

The website may link to or embed services operated by insurers and other third parties, including maps, anti-spam services, quote tools, and external websites. We do not control their availability, security, content, or privacy practices. Your use of a third-party service is governed by that provider’s terms.

8. Privacy and cookies

Our Privacy Policy explains how website information is handled. The cookie banner lets you Accept, Reject, or Customize optional analytics cookies. You can revisit your selection using the Cookie Settings link in the footer.

9. No professional advice

Website content is general information and is not legal, tax, accounting, financial, or risk-management advice. Speak with qualified professionals about your circumstances. Insurance decisions should be based on current policy documents and direct communication with authorized insurance professionals.

10. Disclaimers

To the fullest extent permitted by law, the website is provided “as is” and “as available.” We do not warrant that it will be uninterrupted, error-free, secure, or complete, or that general content will remain current. We do not disclaim any warranty or consumer protection that cannot lawfully be disclaimed.

11. Limitation of liability

To the fullest extent permitted by law, All Brevard Insurance and its owners, employees, and service providers will not be liable for indirect, incidental, special, consequential, or punitive damages arising from website use, inability to use the website, or reliance on general website content. This section does not limit liability that cannot be limited under applicable law and does not alter any rights or obligations under an issued insurance policy.

12. Responsibility for misuse

You agree to be responsible for losses and claims resulting from your unlawful use of the website, your material violation of these terms, or your infringement of another person’s rights, to the extent permitted by law.

13. Governing law and venue

These terms are governed by Florida law, without regard to conflict-of-law principles. To the extent a dispute relating solely to website use is not governed by an insurance policy or another agreement, exclusive venue will lie in the state courts located in Brevard County, Florida, or the federal court with jurisdiction over Brevard County. Nothing in these terms waives a nonwaivable consumer right or changes a forum required by applicable law.

14. Changes, suspension, and availability

We may update the website or these terms, or suspend website features, at any time. The effective date above identifies the latest revision. Changes apply prospectively when posted, except where another form of notice or consent is required by law.

15. Severability; no waiver; entire terms

If a provision is unenforceable, it will be limited to the minimum extent necessary and the remaining provisions will continue. A failure to enforce a provision is not a waiver. These terms and the Privacy Policy are the complete terms governing general website use; they do not replace or amend an insurance application, binder, policy, carrier agreement, or another separately executed contract.

16. Contact us

Questions about these Terms and Conditions may be directed to:

All Brevard Insurance
1751 Sarno Road, Suite 5
Melbourne, Florida 32935
(321) 255-3337