Terms of Use
Effective Date: March 16, 2026
Welcome to StartupInsurance.ai. This website is owned and operated by ContractorNerd Insurance Services, LLC (“Company,” “we,” “us,” or “our”), a licensed insurance agency located at One Harbor Drive, Suite 300, Sausalito, California 94965.
By accessing or using this website (“Site”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use the Site.
1. About Our Services
StartupInsurance.ai is operated by ContractorNerd Insurance Services, LLC, a licensed insurance agency with active licenses in all 50 states. Through this Site, our licensed professionals publish educational resources about commercial insurance for startup companies — including coverage guides, risk-management insights, and industry-specific recommendations. We also help connect startups with insurance carriers and facilitate the procurement of coverage.
We act as an insurance agency — not an insurance carrier. Insurance policies are issued by third-party insurance carriers. We do not guarantee the availability, pricing, or terms of any insurance product.
2. General Educational Content & Consultation Disclaimer
ContractorNerd Insurance Services, LLC is a licensed insurance agency with active licenses in all 50 states. Our team includes experienced, licensed insurance professionals who specialize in helping startup companies identify and secure appropriate coverage.
The articles, guides, and other content published on this Site are intended to educate and inform. Because every startup’s risk profile, industry, stage, and state of incorporation are different, the general information on this Site may not apply to your specific situation and should not be relied upon as a substitute for a personalized consultation with one of our licensed agents. No content on this Site creates an agent-client relationship or constitutes a binding recommendation.
For guidance tailored to your business, we encourage you to speak directly with one of our licensed agents. That’s where the real advice happens.
3. Eligibility
By using this Site, you represent that you are at least 18 years old and have the legal authority to agree to these Terms. If you are using the Site on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms.
4. User Conduct
You agree not to:
- Use the Site for any unlawful purpose or in violation of any applicable law or regulation
- Provide false, misleading, or inaccurate information in any form submission or communication
- Attempt to gain unauthorized access to any portion of the Site or any systems or networks connected to the Site
- Interfere with or disrupt the operation of the Site or the servers or networks used to make the Site available
- Use any automated means (bots, scrapers, spiders) to access the Site or collect information from it without our written consent
- Reproduce, duplicate, copy, sell, or exploit any portion of the Site without our express written permission
- Transmit any viruses, malware, or other harmful code through the Site
5. Accuracy of Information
You agree to provide accurate, current, and complete information when submitting any form, requesting a quote, or otherwise communicating with us through the Site. Insurance quotes and coverage are based on the information you provide. Inaccurate or incomplete information may result in incorrect quotes, denial of coverage, or cancellation of policies.
6. Intellectual Property
All content on this Site — including text, graphics, logos, images, icons, software, and the overall design and arrangement of the Site — is the property of ContractorNerd Insurance Services, LLC or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.
The “StartupInsurance.ai” name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of ContractorNerd Insurance Services, LLC. You may not use these marks without our prior written permission.
You are granted a limited, non-exclusive, non-transferable license to access and use the Site for your personal, non-commercial use in connection with exploring our insurance services.
7. Third-Party Links and Services
The Site may contain links to third-party websites, including insurance carrier portals, partner services, and other resources. These links are provided for your convenience only. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites. Your access to and use of third-party websites is at your own risk.
8. Quote Requests and Applications
Submitting a quote request or insurance inquiry through the Site does not create an insurance policy or guarantee coverage. A binding insurance policy exists only when issued by an insurance carrier and confirmed in writing. All quotes are estimates based on the information provided and are subject to change based on underwriting review.
We reserve the right to decline to provide services to any person or entity for any lawful reason.
9. Disclaimer of Warranties
THE SITE AND ALL CONTENT, MATERIALS, AND SERVICES PROVIDED ON OR THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR TIMELINESS OF ANY INFORMATION PROVIDED ON THE SITE.
10. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CONTRACTORNERD INSURANCE SERVICES, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).
11. Indemnification
You agree to indemnify, defend, and hold harmless ContractorNerd Insurance Services, LLC and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to your violation of these Terms or your use of the Site.
12. Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any dispute arising out of or related to these Terms or the Site shall be resolved exclusively in the state or federal courts located in Marin County, California, and you consent to the personal jurisdiction of such courts.
13. Changes to These Terms
We reserve the right to modify these Terms at any time. When we make material changes, we will update the “Effective Date” at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
14. Severability
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.
15. Entire Agreement
These Terms, together with our Privacy Policy, Cookie Policy, and Disclaimer & Disclosures, constitute the entire agreement between you and ContractorNerd Insurance Services, LLC regarding your use of the Site.
16. Contact Us
ContractorNerd Insurance Services, LLC
d/b/a StartupInsurance.ai
One Harbor Drive, Suite 300
Sausalito, California 94965
Email: [email protected]