Terms of Service

Here’s an updated Terms of Service draft for Fishman & Associates Insurance Services (FAIS), using today’s date and details pulled from your staging site:

Terms of Service
Fishman & Associates Insurance Services (FAIS)
Effective Date: July 17, 2025

1. Acceptance of Terms

By using this website or engaging with our services, you agree to these Terms and our Privacy Policy. If you disagree, please do not proceed.

2. About FAIS

FAIS is a family‑owned, multi‑generational independent insurance broker with over 50 years of experience, offering tailored solutions for employee benefits, individual insurance, Medicare, life, disability, long‑term care, and traveler’s insurance.

3. Services

We act as a licensed intermediary (CA Insurance License #6014733) helping clients connect with top‑rated carriers—handling consultations, plan selection, enrollment, and ongoing support. We do not underwrite policies directly.

4. No Guarantee of Coverage

Submitting an inquiry or application does not guarantee coverage. Policy approval, pricing, and terms are determined solely by insurance carriers.

5. Client Responsibilities

Clients must provide accurate, complete information. Any misrepresentation may result in delays, coverage denial, or policy rescission.

6. Limitations of Liability

FAIS is not responsible for carrier decisions, delays, denials, or errors on third‑party websites. Our liability is limited to direct negligence in the brokerage process.

7. Changes to Terms

We may modify these Terms at any time. Continued use after changes implies acceptance of the updated Terms.

8. Governing Law

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

9. Contact Information

Email: info@fishmaninsurance.com
Phone: (323) 866‑0830 ext 101
Fax: (310) 873‑6530
Address: [Insert business address]
CA Insurance License: #6014733