Terms of Service

These Terms of Service ("Terms") govern your use of the website and services of Cohesive Insurance Services ("we," "us," or "our"). By using our website, submitting a quote request, or communicating with us, you agree to these Terms. If you do not agree, please do not use our website or services.

We are an independent commercial insurance brokerage. We help businesses obtain quotes for and place insurance coverage with third-party insurance carriers. We are not an insurance carrier and do not underwrite insurance.

Any premium estimates or quotes provided through this website, by email, by phone, or by text message are for informational purposes only and are subject to carrier underwriting, eligibility review, and final approval. Coverage is not bound until you receive written confirmation of binding from us or the carrier. Submitting a quote request does not create coverage or an obligation to purchase.

Quotes and coverage decisions depend on the information you provide. You agree to provide information that is accurate and complete to the best of your knowledge. Inaccurate or incomplete information may result in incorrect quotes, coverage denial, policy rescission, or denied claims.

By providing your contact information, you agree that we may contact you about your quote request and related services by email, phone, and text message. You can opt out of marketing emails via the unsubscribe link in any email and opt out of text messages by replying STOP. See our Privacy Policy for details on how we handle your information.

All content on this website, including text, graphics, logos, and software, is owned by or licensed to us and is protected by applicable intellectual-property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written consent.

Our website and its content are provided "as is" without warranties of any kind, express or implied. Content on this site is general information and is not legal, financial, or professional advice. Policy terms, conditions, and exclusions are governed solely by the insurance policy documents issued by the carrier.

To the maximum extent permitted by law, Cohesive Insurance Services will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of this website. Nothing in these Terms limits liability that cannot be limited under applicable law.

We may update these Terms from time to time. The "Last updated" date above reflects the most recent revision. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-law principles.

Cohesive Insurance Services
Phone: +1 (929) 594-5450