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Terms & Conditions

Agreement to Terms

These Terms and Conditions (“Terms”) govern your access to and use of the Home Care Business Insurance website located at homecarebusinessinsurance.com (the “Site”) and any related services provided by Home Care Business Insurance, a division of Only Option Media LLC (“we,” “us,” “our,” or “Company”).

By accessing or using our Site, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Site.

We reserve the right to modify these Terms at any time. We will notify you of any changes by updating the “Last Updated” date at the top of this page. Your continued use of the Site after any modifications constitutes your acceptance of the revised Terms.

Eligibility

By using this Site, you represent and warrant that:

  • You are at least 18 years of age
  • You have the legal capacity to enter into binding contracts
  • You are accessing the Site for lawful purposes only
  • All information you provide is accurate, current, and complete

If you are using the Site on behalf of a business or organization, you represent that you have the authority to bind that entity to these Terms.

Use of the Site

Permitted Use

You may use the Site to:

  • Learn about home care insurance products and services
  • Request insurance quotes
  • Access educational resources and information
  • Contact us with questions or inquiries
  • Subscribe to our newsletter or blog

Prohibited Use

You may not use the Site to:

  • Violate any local, state, federal, or international law
  • Transmit any unlawful, threatening, abusive, defamatory, or obscene content
  • Impersonate any person or entity
  • Interfere with or disrupt the Site’s operation or servers
  • Attempt to gain unauthorized access to any part of the Site
  • Use automated systems (bots, scrapers) to access the Site without permission
  • Collect user information without consent
  • Transmit viruses, malware, or other harmful code
  • Use the Site for any commercial purpose without our written permission
  • Submit false or misleading information in quote requests

Insurance Services and Quotes

Quote Requests

When you request an insurance quote through our Site:

  • You authorize us to contact you via email, phone, or other means
  • You authorize us to share your information with insurance carriers to obtain quotes
  • Quote requests are not applications for insurance
  • Quotes are estimates and not binding offers of insurance coverage
  • Actual insurance terms, conditions, and pricing are determined by insurance carriers

No Insurance Contract

IMPORTANT: This Site does not create an insurance contract. Insurance coverage is only effective when:

  • An insurance carrier issues a policy
  • You accept the policy terms
  • Required premiums are paid
  • The policy’s effective date has arrived

Requesting a quote or receiving quote information does not create insurance coverage.

Broker Relationship

Home Care Business Insurance acts as an insurance broker, not an insurance carrier. We:

  • Represent multiple insurance carriers
  • Help you compare coverage options
  • Facilitate the insurance application process
  • Do not underwrite or issue insurance policies
  • Do not guarantee coverage approval or specific pricing

Information Provided on Site

Educational Purposes Only

All information on this Site, including articles, guides, state requirements, and insurance information, is provided for educational and informational purposes only. This information:

  • Is general in nature and not specific advice
  • Should not be relied upon as professional insurance, legal, or financial advice
  • May not reflect the most current legal or regulatory requirements
  • May not apply to your specific situation

No Professional Advice

The content on this Site does not constitute professional advice. We are not:

  • Attorneys providing legal advice
  • Financial advisors providing financial advice
  • Tax professionals providing tax advice

For specific advice regarding your insurance needs, consult with a licensed professional.

Accuracy of Information

While we strive to provide accurate and up-to-date information:

  • We do not warrant the accuracy, completeness, or timeliness of information
  • State requirements and regulations change frequently
  • Insurance products and availability vary by state and carrier
  • You should verify all information independently

We are not liable for any decisions you make based on information found on this Site.

State Licensing

Home Care Business Insurance is licensed as an insurance broker in all 50 states. Our licensing allows us to:

  • Solicit insurance applications
  • Provide insurance quotes
  • Facilitate insurance placements
  • Receive commissions from insurance carriers

Insurance coverage is subject to the laws and regulations of your state. Requirements vary by state.

Intellectual Property

Our Content

All content on this Site, including but not limited to:

  • Text, articles, and blog posts
  • Graphics, logos, and images
  • Design, layout, and structure
  • Software and code
  • Trademarks and service marks

…is owned by or licensed to Home Care Business Insurance and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

  • Access and use the Site for personal or business purposes
  • View and print content for your own use
  • Share links to our content

Restrictions

You may not:

  • Reproduce, duplicate, or copy content without written permission
  • Modify, adapt, or create derivative works
  • Distribute, sell, or commercially exploit our content
  • Remove copyright or proprietary notices
  • Use our trademarks or branding without permission
  • Frame or embed our content on other websites without permission

Third-Party Links and Resources

Our Site contains links to third-party websites, including:

  • State government agencies
  • Insurance carrier websites
  • Industry associations
  • Educational resources

These links are provided for your convenience. We do not:

  • Control these third-party websites
  • Endorse their content or services
  • Make representations about their accuracy or reliability
  • Accept responsibility for their content or practices

Your use of third-party websites is at your own risk and subject to their terms and conditions.

User-Submitted Content

Information You Provide

When you submit information through our Site (quote requests, contact forms, etc.):

  • You grant us permission to use this information as described in our Privacy Policy
  • You represent that the information is accurate and truthful
  • You agree we may share this information with insurance carriers
  • You retain ownership of information you submit

Prohibited Content

You may not submit:

  • False, misleading, or fraudulent information
  • Content that violates any law or regulation
  • Content that infringes on intellectual property rights
  • Harmful code, viruses, or malware
  • Spam or unsolicited commercial messages

Disclaimers

No Warranties

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • Warranties of merchantability
  • Fitness for a particular purpose
  • Non-infringement
  • Accuracy or completeness
  • Uninterrupted or error-free operation

We do not warrant that:

  • The Site will meet your requirements
  • The Site will be available at all times
  • Content is accurate, reliable, or current
  • Defects will be corrected
  • The Site is free from viruses or harmful components

Insurance Coverage Disclaimer

WE DO NOT GUARANTEE:

  • That you will qualify for insurance coverage
  • Specific insurance pricing or rates
  • Coverage from any particular carrier
  • Approval of any insurance application
  • That coverage will meet your specific needs

Insurance coverage is subject to underwriting approval by insurance carriers. Carriers may decline coverage or offer different terms than quoted.

State Requirements Disclaimer

State insurance requirements change frequently. While we attempt to provide current information:

  • Requirements may have changed since publication
  • We are not responsible for outdated information
  • You must verify requirements with state authorities
  • We are not liable for non-compliance with state laws

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

WE ARE NOT LIABLE FOR ANY:

  • Direct, indirect, incidental, or consequential damages
  • Lost profits, revenue, or business opportunities
  • Loss of data or information
  • Personal injury or property damage
  • Damages resulting from use or inability to use the Site
  • Damages resulting from reliance on Site content
  • Damages from unauthorized access to your information
  • Damages from third-party websites or services

EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TOTAL LIABILITY CAP: In no event shall our total liability to you exceed the amount you paid to us in the twelve (12) months preceding the claim, or $100, whichever is greater.

Some states do not allow limitation of liability for consequential damages, so these limitations may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless Home Care Business Insurance, Only Option Media LLC, and our officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising from:

  • Your use of the Site
  • Your violation of these Terms
  • Your violation of any law or regulation
  • Your violation of any third-party rights
  • Information you submit through the Site
  • Your negligence or willful misconduct

Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our privacy practices.

By using the Site, you consent to our collection, use, and disclosure of your information as described in the Privacy Policy.

Communications

Electronic Communications

By using the Site, you consent to receive electronic communications from us, including:

  • Email responses to inquiries
  • Quote information
  • Service-related notices
  • Newsletter and blog updates (if subscribed)
  • Administrative messages

You agree that all agreements, notices, disclosures, and communications provided electronically satisfy any legal requirement that such communications be in writing.

Contact Information

We may contact you using the information you provide (email, phone) to:

  • Respond to your inquiries
  • Provide requested quotes
  • Follow up on quote requests
  • Provide customer service

You may opt out of marketing communications at any time.

Account Security

If you create an account on our Site (for client portal access, etc.):

  • You are responsible for maintaining account confidentiality
  • You are responsible for all activities under your account
  • You must notify us immediately of any unauthorized use
  • We are not liable for losses due to unauthorized account use

Termination

Our Right to Terminate

We reserve the right to:

  • Suspend or terminate your access to the Site at any time
  • Remove or disable any content you submit
  • Take legal action for violations of these Terms

Reasons for termination may include:

  • Violation of these Terms
  • Fraudulent or illegal activity
  • Abusive or harassing behavior
  • Providing false information
  • Any conduct we deem harmful to the Site or others

Effect of Termination

Upon termination:

  • Your right to use the Site immediately ceases
  • We may delete your account and information
  • Sections of these Terms that should survive will remain in effect

Dispute Resolution

Governing Law

These Terms are governed by the laws of the State of Louisiana, without regard to conflict of law principles.

Jurisdiction and Venue

Any legal action arising from these Terms or use of the Site shall be brought exclusively in the state or federal courts located in St. Landry Parish, Louisiana. You consent to the personal jurisdiction of these courts.

Arbitration

PLEASE READ THIS CAREFULLY – IT AFFECTS YOUR LEGAL RIGHTS:

Any dispute, claim, or controversy arising from these Terms or use of the Site shall be resolved through binding arbitration, except:

  • Small claims court matters (under $10,000)
  • Injunctive or equitable relief
  • Intellectual property disputes

Arbitration will be conducted by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration will take place in Louisiana.

CLASS ACTION WAIVER: You agree to arbitrate disputes on an individual basis only. You waive any right to participate in class action lawsuits or class-wide arbitration.

Miscellaneous

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Home Care Business Insurance regarding use of the Site.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

Assignment

You may not assign or transfer these Terms or your rights under them. We may assign these Terms to any affiliate or successor without restriction.

Force Majeure

We are not liable for any failure to perform our obligations due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, internet failures, or government actions.

Headings

Section headings are for convenience only and do not affect interpretation of these Terms.

Survival

Provisions that by their nature should survive termination will survive, including disclaimers, limitations of liability, indemnification, and dispute resolution.

Insurance Regulatory Compliance

We comply with all applicable insurance laws and regulations, including:

  • State insurance licensing requirements
  • Unfair trade practices laws
  • Anti-discrimination laws
  • Consumer protection laws
  • Data security requirements

If you believe we have violated any insurance law or regulation, please contact your state insurance department.

Complaints

If you have a complaint about our services:

First, contact us:

If unresolved, contact your state insurance department: Each state has an insurance department that regulates insurance brokers and handles consumer complaints. Contact information for your state insurance department can be found on the National Association of Insurance Commissioners website at www.naic.org.

Questions About These Terms

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

Home Care Business Insurance

Email: homecareins@wagleyegency.com
Phone: (337) 345-4410
Website: https://homecarebusinessinsurance.co

Acknowledgment

BY USING THIS SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.

If you do not agree to these Terms, you must not use this Site.