Disclaimers & Disclosures
Effective Date: March 16, 2026
1. Agency Disclosure
StartupInsurance.ai is a trade name and marketing website of ContractorNerd Insurance Services, LLC, a licensed insurance agency. We are not an insurance company or carrier. Insurance products are underwritten and issued by third-party insurance carriers. ContractorNerd Insurance Services, LLC acts as an intermediary between you and the insurance carriers.
Our principal place of business is One Harbor Drive, Suite 300, Sausalito, California 94965.
2. Licensing
ContractorNerd Insurance Services, LLC is licensed to transact insurance business in all 50 states. Insurance services are provided only in states where we are properly licensed. License numbers are available upon request. If you would like to verify our licensing status, you may contact your state’s Department of Insurance.
3. Compensation Disclosure
As an insurance agency, ContractorNerd Insurance Services, LLC may receive compensation in the following forms:
- Commissions: We may receive commissions from insurance carriers when a policy is placed through us. Commission rates vary by carrier and product type.
- Fees: In some cases, we may charge broker fees or service fees for our services. Any such fees will be disclosed to you before you are obligated to pay them.
- Contingent Commissions or Bonuses: We may receive additional compensation from carriers based on factors such as the volume or profitability of business placed with them.
Our compensation arrangements do not increase the premium you pay for insurance. You have the right to request additional information about our compensation related to your specific insurance transaction.
4. No Guarantee of Coverage
Our descriptions of insurance products, coverage types, and policy features are written by licensed professionals to help you understand your options. However, these descriptions are summaries — they do not replace, modify, or supplement the actual policy language issued by the insurance carrier.
The complete terms, conditions, limitations, and exclusions of any insurance policy are set forth in the policy documents issued by the carrier. In the event of a conflict between a summary on this Site and the terms of an issued policy, the policy documents will control. Our agents can walk you through the details of any policy before you commit.
We do not guarantee that:
- You will qualify for any particular insurance product or coverage
- A quote provided through this Site will remain valid for any specific period
- Coverage will be available at any specific price
- Any claim will be covered under any particular policy
5. Scope of Our Expertise
We are licensed insurance professionals — that is our area of expertise. This Site does not provide legal advice, tax advice, or accounting advice, and nothing here should be treated as a substitute for consultation with a qualified attorney, CPA, or financial advisor on those matters. For insurance-specific guidance tailored to your startup, we encourage you to connect with our team directly.
6. Content Currency & Updates
Our team works to keep the information on this Site accurate and current. That said, insurance products, rates, carrier appetites, and state regulations change frequently. Content published on this Site reflects conditions as of its publication or last-reviewed date and may not capture every recent development in every state. For the most up-to-date information about a specific product or your eligibility, please contact our team directly.
7. Testimonials and Reviews
Any testimonials, case studies, or client stories displayed on this Site represent the individual experiences of those clients. Results vary, and past results do not guarantee future performance. Testimonials do not constitute a guarantee that you will achieve the same or similar results.
8. Third-Party Content
This Site may contain content provided by or links to third parties, including insurance carriers, industry publications, and other resources. We do not control, endorse, or assume responsibility for any third-party content. The inclusion of third-party content or links does not imply our endorsement of the views expressed within them.
9. Insurance Carrier Relationships
We work with multiple insurance carriers to provide our clients with a range of coverage options. The carriers we represent may change over time. Our relationship with any particular carrier does not mean we endorse that carrier’s financial strength or claims-handling practices. We encourage you to research the financial stability and reputation of any carrier before purchasing a policy.
10. State-Specific Disclosures
Certain states require specific disclosures related to insurance transactions. The following disclosures apply where required by state law:
California: ContractorNerd Insurance Services, LLC is a licensed insurance agent/broker in the State of California. California Insurance License Number available upon request.
New York: Compensation may be paid to us by the insurer and/or by you, the consumer. You may obtain information about the compensation we expect to receive by contacting us.
All States: Additional state-specific disclosures may apply to your insurance transaction. These disclosures will be provided to you as part of the quoting and application process, as required by your state’s laws and regulations.
11. Complaints
If you have a complaint about our services, please contact us directly so we can work to resolve the issue. If you are unsatisfied with our response, you may also contact your state’s Department of Insurance to file a complaint.
12. Contact Us
ContractorNerd Insurance Services, LLC
d/b/a StartupInsurance.ai
One Harbor Drive, Suite 300
Sausalito, California 94965
Email: [email protected]