These Terms and Conditions govern your use of our website, services, and communications. By accessing our website or engaging with our services, you agree to these Terms and Conditions.
1. Agency Status and Licensing
Alves Insurance LLC is a licensed insurance agency in the State of Connecticut. We operate as an independent insurance agency.
We are not an insurance carrier.
We do not underwrite insurance policies and are not underwriters.
Insurance coverage is provided solely by licensed third-party insurance carriers.
Our services include soliciting, quoting, placing, and servicing insurance policies, in accordance with Connecticut law.
2. No Guarantee of Quotes & Coverage
All insurance quotes provided through our representatives:
Estimates are only based on the information provided.
These estimates are subject to change based on underwriting review.
Do not constitute a binder and guarantee of coverage.
Insurance coverage is not in effect unless and until:
An insurance carrier approves the application.
Required premium is received.
A policy or written binder is issued.
3. Client Responsibilities
By using our services, you agree to:
Provide accurate, complete, and truthful information.
Review all applications and policy documents carefully.
Notify us promptly of any changes affecting your risk profile.
Failure to provide accurate information may result in:
Policy cancellation and non-renewal.
Denial of claims.
Policy rescission as permitted under Connecticut law.
4. Compensation and Fees Disclosure
Alves Insurance LLC is compensated in the following ways:
Commissions and renewals paid by insurance carriers for all policies issued.
Service or broker fees, where permitted by Connecticut law.
Any applicable fees will be:
Clearly disclosed to you in advance.
Agreed to prior to binding coverage.
You may request additional information regarding our compensation at any time.
5. Premium Payments
Premium payments are typically made directly to the insurance carrier or authorized payment processor.
Failure to pay premiums may result in policy cancellation in accordance with Connecticut notice requirements.
We do not hold premium funds unless properly licensed and authorized.
Refunds, if applicable, are subject to the terms of the insurance carrier and Connecticut law.
6. Policy Cancellation and Non-Renewal
Insurance policies may be cancelled or non-renewed by the carrier in accordance with Connecticut law, including required notice provisions.
We may assist with cancellation requests; however:
Final decisions are made by the insurance carrier.
We do not control cancellation and non-renewal outcomes.
Insurance policies are subject to cancellation and non-renewal in accordance with Connecticut law, including but not limited to:
Required notice periods
Permissible grounds for cancellation Delivery of notice requirements
7. Claims Handling
We may assist you in reporting claims; however:
Claims are handled and decided solely by the insurance carrier.
We do not guarantee claim approval or payment.
You are responsible for complying with all policy conditions and deadlines.
8. Electronic Communications and Consent
By using our website and services, you consent to:
Receiving communications electronically.
Use of electronic signatures where permitted.
You may withdraw consent at any time by contacting us in writing or via email.
9. Website Use
By accessing our website, you agree:
Not to misuse, disrupt, or attempt unauthorized access.
Not to use the site for unlawful purposes.
That all website content is the property of Alves Insurance LLC, and may not be copied without our permission.
We do not guarantee that:
The website will be error-free and uninterrupted.
All content is current or free from inaccuracies.
10. Limitation of Liability
To the fullest extent permitted by Connecticut law, Alves Insurance LLC shall not be liable for:
Decisions made by insurance carriers (including underwriting, claims, non renewals, and cancellations)
Indirect, incidental, or consequential damages.
Losses resulting from inaccurate or incomplete information provided by you.
Nothing in these Terms is intended to waive rights that cannot be waived under applicable law.
11. Indemnification
You agree to indemnify and hold harmless Alves Insurance LLC, its owners, employees, and affiliates from any claims, damages, and expenses arising from:
Your violation of these Terms & Conditions.
Your misuse of our services or website.
Your failure to provide accurate or complete information.
12. Record Retention
We maintain records in accordance with Connecticut insurance regulations. Copies of your records may be requested, and reasonable administrative fees may apply where permitted by law.
13. Complaints and Regulatory Contact
If you have a complaint, you may contact the Connecticut Insurance Department:
Connecticut Insurance Department
P.O. Box 816
Hartford, CT 06142-0816
Phone: (860) 297-3900
14. Changes to These Terms
Alves Insurance LLC reserves the right to update or modify these Terms and Conditions at any time. Updates will be posted on this page with a revised effective date.
Your continued use of our website or services constitutes acceptance of any changes.
15. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Connecticut. Any disputes shall be resolved in a court of competent jurisdiction within Connecticut.