Terms of Service

Counsel review status

This document has not yet been reviewed by counsel. It is provided as a good-faith statement of the current terms while legal review is pending.

About Done For You Insurance Services

Done For You Insurance Services is a California licensed insurance agency serving businesses and consumers. California Insurance License #6017418.

General information, not insurance advice

Site content is provided for general information only. It is not insurance, legal, tax, or financial advice and does not replace a review of your circumstances, policy forms, exclusions, limits, or carrier requirements by a qualified professional.

Nothing on the site creates an insurance contract or changes the terms of any policy. Coverage is available only when confirmed by an authorized insurance carrier in accordance with its underwriting rules and required payment terms.

Estimated indications from online tools

Results produced by WC Rate Compare or any other Done For You Insurance tool are estimated indications for informational purposes. They are not an insurance proposal, not an offer of coverage, and not bindable. Actual eligibility, terms, rates, and premium are determined by the insurance carrier.

Tool results may depend on third-party data, user input, assumptions, and information that changes over time. You should not rely on an estimated indication as confirmation that coverage exists or will be offered.

Acceptable use

• Use the site and tools only for lawful purposes and provide accurate information.
• Do not attempt to gain unauthorized access to accounts, systems, data, or restricted areas.
• Do not disrupt the site, introduce harmful code, overload services, or bypass security controls.
• Do not copy, resell, misrepresent, or use tool results to suggest that insurance coverage has been quoted, offered, or bound when it has not.
• Do not use automated methods to extract data or content without our written permission.

Third-party services and links

The site and tools may use or link to services operated by others. We do not control their availability, content, security, or terms. Your use of a third-party service is also subject to that provider's terms and privacy practices.

Availability and changes

We may update, suspend, or discontinue parts of the site or tools at any time. We do not promise that every feature will always be available, uninterrupted, current, or error free.

Limitation of liability

To the fullest extent permitted by law, Done For You Insurance Services is not responsible for indirect, incidental, special, or consequential losses arising from use of, or inability to use, the site or tools. This includes losses caused by decisions based on general content or estimated indications.

In plain language, you are responsible for confirming coverage, pricing, deadlines, and business decisions with the appropriate carrier or licensed professional before acting. Nothing in these terms limits liability that cannot legally be limited under California law.

Governing law

These terms are governed by the laws of the State of California, without regard to conflict of law principles. Any dispute will be handled in a court with jurisdiction in California, unless applicable law requires otherwise.

Changes to these terms

We may update these terms from time to time. The Last updated date shows the latest revision. Continued use of the site or tools after an update means you accept the revised terms.

Contact

Questions about these terms may be sent to Done For You Insurance Services at care@doneforyouins.com.