Terms of Service

By accessing or using the website located at capcoinsurance.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you and Capital & Co Insurance Services ("Capital & Co," "we," "us," or "our"), a California-licensed insurance agency (License #6002332), located at 5455 Wilshire Blvd #1816, Los Angeles, CA 90036.

If you do not agree to these Terms, please do not use the Site.

Capital & Co Insurance Services is a licensed insurance agency that provides commercial insurance brokerage services, including obtaining and placing commercial insurance coverage on behalf of clients. The Site is provided as an informational resource and lead-generation platform to connect prospective clients with our licensed agents.

The Site does not bind, quote, or guarantee any insurance coverage. All quotes are subject to carrier underwriting review, approval, and applicable terms and conditions. No coverage is in effect until a policy is issued and confirmed in writing by a licensed agent.

All content on this Site, including articles, guides, coverage descriptions, and FAQs, is provided for general informational purposes only. It does not constitute insurance advice, legal advice, or a representation of the terms of any specific policy. Coverage availability, terms, exclusions, and pricing vary by carrier and individual underwriting factors.

You should consult directly with a licensed insurance professional before making any decisions based on information found on this Site.

You agree not to:

• Submit false, misleading, or fraudulent information through any form on the Site.
• Use the Site for any unlawful purpose or in violation of any applicable federal, state, or local law.
• Attempt to gain unauthorized access to any portion of the Site or its related systems.
• Scrape, copy, or redistribute any content from the Site without our prior written consent.
• Interfere with or disrupt the integrity or performance of the Site.

When you submit a quote request or contact form, you consent to being contacted by Capital & Co Insurance Services via phone, email, or text message regarding your inquiry. You may opt out of marketing communications at any time by replying "STOP" to text messages or clicking "Unsubscribe" in emails.

By submitting information, you represent that the information provided is accurate and complete to the best of your knowledge. Providing materially false information may affect the validity of any resulting insurance policy.

All content on the Site, including but not limited to text, graphics, logos, images, and software, is the property of Capital & Co Insurance Services or its content suppliers and is protected by United States and international intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

The Site may contain links to third-party websites, services, or resources. These links are provided for your convenience only. Capital & Co has no control over the content or practices of third-party sites and accepts no responsibility for them. Linking to any third-party site does not constitute an endorsement by Capital & Co.

THE SITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. CAPITAL & CO DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

TO THE FULLEST EXTENT PERMITTED BY CALIFORNIA LAW, CAPITAL & CO INSURANCE SERVICES, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM OR RELATED TO THE SITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).

You agree to indemnify, defend, and hold harmless Capital & Co Insurance Services and its affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of another party.

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Los Angeles County, California, and you hereby consent to the personal jurisdiction of such courts.

Capital & Co Insurance Services is licensed by the California Department of Insurance (CDI) under License #6002332. Our services are subject to regulation by the CDI. If you have a complaint about our services, you may contact the CDI at www.insurance.ca.gov or by calling 1-800-927-4357.

We reserve the right to modify these Terms at any time. When we do, we will update the "Last Updated" date at the top of this page. Continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

If you have any questions about these Terms, please contact us at: