Terms & Conditions

Welcome to the website of One Team Insurance LLC ("One Team Insurance," "we," "our," or "us"). These Terms and Conditions ("Terms") govern your access to and use of our website located at this domain and any related services, information, or communications we provide. By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please discontinue use of our website immediately.

1. Acceptance of Terms

By accessing our website, submitting a contact form, requesting a quote, or otherwise engaging with One Team Insurance LLC, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. These Terms apply to all visitors, users, and others who access or use the website.

2. Description of Services

One Team Insurance LLC is a licensed insurance agency and brokerage operating in the Commonwealth of Pennsylvania (NAICS 524210). We assist individuals, families, and businesses in identifying, comparing, and obtaining insurance products from third-party licensed insurance carriers. We do not underwrite insurance policies. All coverage is subject to the terms, conditions, and approval of the applicable insurance carrier.

3. Insurance Inquiry Disclaimer

Any information, quotes, or coverage recommendations provided through our website, by phone, or by email are for informational purposes only and do not constitute a binding offer of insurance, a guarantee of coverage, or a confirmation that any policy has been issued. Coverage is not effective until a policy is formally issued by a licensed insurance carrier and all applicable premiums have been paid.

Insurance availability, eligibility, and pricing are determined solely by the underwriting guidelines of individual insurance carriers and are subject to change without notice. One Team Insurance LLC makes no representation or warranty that any specific coverage will be available to any applicant.

4. No Guarantee of Coverage or Pricing

Quotes and estimates provided by One Team Insurance LLC are preliminary in nature and based on information provided by the applicant. Final premium amounts, coverage terms, and policy conditions are determined by the issuing carrier after full underwriting review. We expressly disclaim any guarantee regarding the accuracy of preliminary quotes or the availability of specific coverage terms.

5. Accuracy of Information

You agree to provide accurate, complete, and current information when submitting inquiries, completing applications, or communicating with our team. Providing false, misleading, or incomplete information in connection with an insurance application may constitute insurance fraud under Pennsylvania law and federal law, and may result in the denial, cancellation, or rescission of coverage.

6. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, icons, and software, is the property of One Team Insurance LLC or its content suppliers and is protected by United States copyright law and international copyright treaties. You may not reproduce, distribute, modify, transmit, or create derivative works from any content on this website without our express written permission.

The One Team Insurance LLC name, logo, and all related marks are trademarks or service marks of One Team Insurance LLC. Unauthorized use of our trademarks is strictly prohibited.

7. Permitted Use of Website

You may use our website solely for lawful purposes and in accordance with these Terms. You agree not to:

• Use the website in any way that violates applicable federal, state, or local law or regulation.
• Transmit any unsolicited or unauthorized advertising or promotional material.
• Impersonate any person or entity or misrepresent your affiliation with any person or entity.
• Engage in any conduct that restricts or inhibits any other user's use or enjoyment of the website.
• Attempt to gain unauthorized access to any portion of the website or its related systems.
• Use any automated means, bots, scrapers, or data mining tools to access or collect information from the website.
• Introduce any viruses, malware, or other harmful code to the website or its infrastructure.

8. Limitation of Liability

To the fullest extent permitted by applicable law, One Team Insurance LLC, its officers, directors, employees, agents, licensors, and service providers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or other intangible losses, arising out of or in connection with:

• Your use of or inability to use our website or services.
• Any errors or omissions in website content.
• Any insurance coverage decisions made by third-party carriers.
• Any unauthorized access to or alteration of your information.
• Any conduct or content of third parties on or through the website.

Our total liability to you for any claims arising out of or relating to these Terms or our services shall not exceed the amount you paid to us in the twelve (12) months preceding the claim, or one hundred dollars ($100.00), whichever is greater.

9. Disclaimer of Warranties

Our website and its content are provided on an "as is" and "as available" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the website will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

10. Indemnification

You agree to defend, indemnify, and hold harmless One Team Insurance LLC and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, judgments, awards, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms, your use of the website, or your provision of false or inaccurate information in connection with an insurance application.

11. External Links

Our website may contain links to third-party websites, including insurance carriers, industry associations, and other resources. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. The inclusion of any link does not imply our endorsement of the linked site.

12. Communication Consent

By submitting a contact form, requesting a quote, or providing your contact information on our website, you expressly consent to receive communications from One Team Insurance LLC via email, telephone (including mobile phone), and postal mail. This includes informational messages, quote follow-ups, and marketing communications. You may opt out of marketing communications at any time by contacting us at support@oneteaminsurancellc.com or by clicking "unsubscribe" in any email communication.

13. Electronic Communications Consent

When you use our website or send us emails, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by email or by posting notices on the website. You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.

14. Quote Disclaimer

Any insurance quote, estimate, or indication of premium provided through our website, by email, by phone, or in person is not a binding commitment to provide insurance coverage. All quotes are subject to full underwriting review by the applicable carrier, verification of submitted information, and final approval. Premiums and coverage terms may change following underwriting review.

15. Service Availability

We reserve the right to modify, suspend, or discontinue our website or any service at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of services. We make no guarantee that our website will be available at all times or that it will be free of technical errors.

16. Termination

We reserve the right to terminate or restrict your access to our website at any time, without notice, for any reason, including if we believe you have violated these Terms. All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

17. Governing Law and Jurisdiction

These Terms and any disputes arising out of or related to them or your use of our website shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law provisions. You agree that any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Philadelphia County, Pennsylvania, and you hereby consent to personal jurisdiction and venue in such courts.

18. Dispute Resolution

Before initiating any formal legal proceeding, you agree to first contact One Team Insurance LLC at support@oneteaminsurancellc.com to attempt to resolve the dispute informally. We will make good-faith efforts to resolve the matter within thirty (30) days of receiving written notice. If the dispute cannot be resolved informally, either party may pursue formal legal remedies in accordance with Section 17 above.

19. Modifications to Terms

We reserve the right to revise these Terms at any time. We will provide notice of material changes by updating the "Last Updated" date at the top of this page. Your continued use of the website following the posting of revised Terms constitutes your acceptance of the changes. We encourage you to review these Terms periodically.

20. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, it shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

21. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and One Team Insurance LLC regarding your use of our website and supersede all prior and contemporaneous agreements, representations, and understandings between the parties relating to the same subject matter.

22. Refund Policy

One Team Insurance LLC acts as an insurance broker. We do not collect insurance premiums directly; all premiums are paid to and managed by the issuing insurance carrier. If you have questions about premium refunds related to a policy cancellation or adjustment, please contact the issuing carrier directly. Any consulting or service fees paid directly to One Team Insurance LLC are generally non-refundable once services have been rendered. Approved refunds for duplicate payments or billing errors will be processed within 5–10 business days. To request a refund review, contact us at support@oneteaminsurancellc.com or call 215-475-2577.

23. Contact Information

If you have questions about these Terms and Conditions, please contact us: