Terms of Service

1. About the Site and Operator

This Site is operated by Contractors Choice Agency (“CCA,” “we,” “us,” or “our”), a licensed insurance agency operating nationwide. The Site provides information about ghost workers compensation insurance, related coverage products, and allows visitors to request insurance quotes and contact our agency. Contractors Choice Agency is licensed in all 50 states.

2. Use of the Site

You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates applicable federal, state, or local laws or regulations.
• Submit false, misleading, or fraudulent information in any form or quote request.
• Attempt to gain unauthorized access to any portion of the Site, its servers, or any systems or networks connected to the Site.
• Use automated tools, bots, or scraping software to access or collect data from the Site without our prior written consent.
• Transmit any viruses, malware, or other harmful code through the Site.
• Engage in any conduct that restricts or inhibits other users from using or enjoying the Site.
• Use the Site to solicit or advertise services competitive with those offered by Contractors Choice Agency.

We reserve the right to terminate or restrict your access to the Site at any time, without notice, for any violation of these Terms or for any other reason at our sole discretion.

3. Insurance Information — Not Professional Advice

The information provided on this Site is for general informational and lead-generation purposes only. It is not legal advice, financial advice, or a guarantee of insurance coverage. The content on this Site does not constitute a binding insurance quote, offer, or commitment to provide insurance.

Insurance eligibility, coverage terms, premiums, and policy availability vary by state, carrier, and individual circumstances. A formal quote requires a complete application and underwriting review by the applicable insurance carrier. Actual coverage terms are governed exclusively by the policy documents issued by the carrier.

You should not rely solely on the information presented on this Site when making insurance purchasing decisions. We strongly recommend consulting directly with a licensed insurance professional — including our own licensed agents — to evaluate your specific coverage needs.

4. Quote Requests and Lead Submissions

By submitting a quote request or contact form on this Site, you:

• Consent to be contacted by Contractors Choice Agency and its licensed agents by phone, email, or text message regarding your insurance inquiry.
• Represent that the information you provide is accurate and complete to the best of your knowledge.
• Acknowledge that submission of a form does not create an insurance policy or guarantee coverage.
• Acknowledge that any information you submit may be shared with A-rated admitted insurance carriers for quoting purposes, as described in our Privacy Policy.

5. Intellectual Property

All content on this Site — including text, graphics, logos, images, and software — is the property of Contractors Choice Agency or its content suppliers and is protected by applicable copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any content on this Site without our prior written consent.

6. Disclaimer of Warranties

THE SITE AND ALL CONTENT AND SERVICES PROVIDED THROUGH IT ARE OFFERED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, CONTRACTORS CHOICE AGENCY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability and fitness for a particular purpose.
• Warranties that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
• Warranties as to the accuracy, completeness, or timeliness of information provided on the Site.
• Warranties that the Site or its content is suitable for any particular purpose.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CONTRACTORS CHOICE AGENCY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF — OR INABILITY TO USE — THE SITE OR ITS CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS RELATED TO THE SITE EXCEED ONE HUNDRED DOLLARS ($100.00).

8. Third-Party Links and Services

The Site may contain links to third-party websites or services. These links are provided for your convenience only. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We encourage you to review the terms and privacy policies of any third-party websites you visit.

9. Indemnification

You agree to indemnify, defend, and hold harmless Contractors Choice Agency and its officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site.

10. Governing Law and Jurisdiction

These Terms and any dispute arising out of or related to your use of the Site shall be governed by and construed in accordance with the laws of the State of Arizona, 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 federal or state courts located in Maricopa County, Arizona, and you hereby consent to the personal jurisdiction and venue of such courts.

11. Changes to These Terms

We reserve the right to update or 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.

12. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of the remaining provisions.

13. Contact Us

If you have questions about these Terms of Service, please contact us: