PURESHIELD INSURANCE SERVICE POLICY & IMPORTANT DISCLOSURES

Last Updated: September 2026

PureShield Insurance is committed to providing responsive, professional, transparent insurance service. This Service Policy explains how requests, communications, quotes, policy changes, renewals, claims assistance, documents, online services, and other interactions with PureShield are handled.

This policy is intended to establish clear expectations and reduce misunderstandings. It does not modify the terms, conditions, exclusions, limitations, or requirements of any insurance policy, binder, application, endorsement, carrier agreement, or other insurance contract.

1. NO COVERAGE IS CREATED BY USING THIS WEBSITE

Use of the PureShield website, client portal, forms, email, text messaging, telephone, chat, document upload, quote request, service request, or other communication method does not by itself create, bind, extend, modify, renew, cancel, or reinstate insurance coverage.

Insurance coverage is effective only when it has been properly approved and bound by the applicable insurance carrier or other authorized party and confirmation has been provided.

Do not rely on a submitted request as evidence that coverage exists or has changed.

2. REQUESTS ARE NOT AUTOMATICALLY EFFECTIVE

Requests involving insurance policies may include:

Adding or removing vehicles
Adding or removing drivers
Adding or removing locations
Changing insured property
Changing limits or deductibles
Adding endorsements
Requesting additional insured status
Requesting waiver of subrogation
Requesting certificates of insurance
Changing business operations
Changing mailing or garaging addresses
Cancelling coverage
Reinstating coverage
Changing payment arrangements
Modifying any other policy information

A request submitted to PureShield is only a request for review and processing.

No requested change should be considered effective until PureShield or the applicable insurance carrier provides confirmation.

Clients should not assume that coverage has been changed simply because a request was received.

3. PURESHIELD DOES NOT HAVE AUTHORITY TO OVERRIDE CARRIERS

Insurance carriers control matters including:

Underwriting
Eligibility
Pricing
Coverage availability
Policy issuance
Binding authority where applicable
Inspections
Audits
Billing
Cancellation
Nonrenewal
Reinstatement
Claims decisions
Claim payments
Policy wording
Endorsements
Renewal terms

PureShield may assist, advocate, communicate, and facilitate, but cannot guarantee that an insurance carrier will approve a request or take a particular action.

4. QUOTES ARE NOT GUARANTEES OF COVERAGE

Insurance quotes are estimates based on information available at the time they are prepared.

Quotes may change because of:

Underwriting review
Updated information
Carrier rate changes
Inspection results
Loss history
Motor vehicle records
Credit-based insurance information where permitted
Payroll or sales information
Property characteristics
Driver information
Vehicle information
Business operations
Carrier eligibility rules
Missing or inaccurate information
Final carrier review

A quote is not an insurance policy, binder, or guarantee of coverage.

Coverage is not effective until properly bound and confirmed.

5. CLIENT APPROVAL DOES NOT EQUAL BINDING

A client may approve or decline a quote, proposal, renewal option, or other insurance option through the PureShield website, client portal, email, electronic form, or another approved communication method.

Client approval means the client is requesting that PureShield proceed with the selected option.

Client approval alone does not mean that coverage has been bound.

Coverage becomes effective only after all carrier requirements have been satisfied and binding has been confirmed.

6. CLIENT RESPONSIBILITY TO REVIEW DOCUMENTS

Clients are responsible for reviewing all policies, endorsements, declarations, certificates, applications, renewal documents, invoices, notices, and other insurance documents.

Clients should verify information including:

Named insured
Address
Business name
Drivers
Vehicles
Property
Locations
Coverage limits
Deductibles
Policy period
Classification
Payroll
Sales
Operations
Additional insureds
Mortgagees
Lenders
Loss payees

If anything appears incorrect or incomplete, the client should notify PureShield promptly.

Failure to review documents does not automatically make PureShield responsible for errors or omissions that could reasonably have been identified by reviewing the documents provided.

7. CLIENT RESPONSIBILITY TO PROVIDE ACCURATE INFORMATION

Insurance pricing, eligibility, and coverage decisions depend on the information provided to PureShield and insurance carriers.

Clients are responsible for providing complete, current, and accurate information.

Clients must promptly report material changes, including changes involving:

Drivers
Vehicles
Property
Business operations
Ownership
Employees
Payroll
Revenue
Locations
Equipment
Claims
Occupancy
Usage
Transportation activity
Construction
Vacancies
Security systems
Licenses
Contracts
Other material exposures

Incorrect, incomplete, misleading, or outdated information may affect coverage, premiums, eligibility, claims, or policy validity.

8. RENEWALS ARE NOT GUARANTEED

PureShield may provide reminders and assistance with policy renewals.

However, renewal is not guaranteed.

Carriers may:

Change rates
Change underwriting requirements
Change coverage
Modify deductibles
Require inspections
Require updated information
Decline renewal
Withdraw from a market
Change eligibility
Change payment requirements

Clients remain responsible for reviewing renewal notices and responding to requests for information in a timely manner.

9. EXPIRATION DATES REMAIN THE CLIENT’S RESPONSIBILITY

PureShield may provide reminders regarding upcoming expirations and renewals.

However, clients should independently monitor their policy expiration dates.

A failure to receive a reminder from PureShield does not extend a policy, prevent expiration, or guarantee continued coverage.

10. CANCELLATIONS AND NONPAYMENT

Insurance carriers may cancel or nonrenew coverage for reasons permitted by the policy and applicable law.

Clients are responsible for paying premiums by the required due dates.

Contacting PureShield about a billing issue does not automatically stop:

Cancellation
Nonrenewal
Late fees
Finance charges
Payment deadlines
Reinstatement requirements

If a client receives a cancellation, nonrenewal, lapse, or nonpayment notice, the client should contact PureShield and the applicable carrier immediately.

11. CLAIMS

PureShield may assist clients with locating carrier claims information and understanding the reporting process.

PureShield does not control:

Claim investigations
Coverage determinations
Adjuster assignments
Liability determinations
Settlement amounts
Repair decisions
Payment timing
Claim denials

Those decisions are made by the applicable insurance carrier or claims administrator.

Clients should report losses promptly and comply with all carrier requirements.

In an emergency involving injury, danger, fire, crime, or immediate property damage, contact emergency services first.

12. CERTIFICATES OF INSURANCE

Certificates of insurance are issued as evidence of coverage.

A certificate does not:

Create coverage
Expand coverage
Modify coverage
Amend an insurance policy
Create rights not provided by the policy

Requests for special wording or contractual insurance requirements may require carrier approval and endorsements.

PureShield cannot certify coverage that does not exist.

13. CONTRACT REVIEW

PureShield may review insurance requirements contained in leases, contracts, vendor agreements, loan agreements, construction agreements, or other documents as a courtesy.

Unless specifically agreed otherwise in writing, PureShield does not provide legal advice and does not guarantee that an insurance program satisfies every contractual obligation.

Clients should consult qualified legal counsel regarding contractual obligations.

14. NO LEGAL, TAX, ACCOUNTING, OR FINANCIAL ADVICE

PureShield provides insurance-related services.

Unless expressly stated otherwise, information provided by PureShield is not intended as:

Legal advice
Tax advice
Accounting advice
Investment advice
Financial planning advice

Clients should consult appropriately licensed professionals regarding those matters.

15. COVERAGE DISCUSSIONS ARE GENERAL IN NATURE

Descriptions of insurance products on this website are general summaries.

Actual insurance coverage is governed exclusively by the terms, conditions, definitions, limitations, exclusions, endorsements, and declarations contained in the issued insurance policy.

If website information conflicts with an insurance policy, the policy governs.

16. NO GUARANTEE OF LOWEST PRICE OR BEST COVERAGE

PureShield may obtain quotes from multiple insurance markets.

PureShield does not guarantee:

The lowest available price in the marketplace
Access to every insurance carrier
The broadest coverage available anywhere
That another broker or insurer could not obtain different terms

Our goal is to help clients identify appropriate options based on available markets and the information provided.

17. CARRIER AVAILABILITY

PureShield’s access to insurance carriers may change at any time.

The availability of a carrier, product, program, state, class of business, or coverage shown on the website does not guarantee that the carrier will accept a particular risk.

18. COMMUNICATIONS

PureShield may communicate with clients through:

Telephone
Email
SMS/text
Client portal
Website forms
Electronic document delivery
Carrier systems
Other approved communication methods

Clients are responsible for maintaining current contact information.

PureShield is not responsible for communications that cannot be delivered because of:

Incorrect contact information
Spam filtering
Full inboxes
Carrier blocking
Telephone service problems
Internet failures
Device issues
Third-party system failures

19. ELECTRONIC DOCUMENTS

Electronic documents may be made available through email, portal access, secure links, or carrier platforms.

Clients are responsible for maintaining access to their accounts and devices.

Clients should not share usernames, passwords, or authentication credentials.

20. PORTAL SECURITY

Clients are responsible for maintaining the confidentiality of their login credentials.

Clients should immediately notify PureShield if they believe their account has been compromised.

PureShield may suspend or restrict portal access when necessary to protect client information or system security.

21. CYBERSECURITY

PureShield uses reasonable administrative, technical, and organizational safeguards intended to protect client information.

However, no internet-connected system, email system, website, portal, or electronic communication method can be guaranteed to be completely secure.

Clients should avoid sending highly sensitive information through unsecured email or other unsecured channels.

22. THIRD-PARTY SERVICES

PureShield may use or link to third-party services, including:

Insurance carrier websites
Payment processors
E-signature providers
Client portals
Rating systems
Document services
Claims systems
Premium finance companies

PureShield does not control the availability, security, policies, or performance of independent third-party systems.

23. WEBSITE AVAILABILITY

PureShield does not guarantee uninterrupted access to its website or online systems.

Systems may become temporarily unavailable because of:

Maintenance
Software issues
Hosting interruptions
Cybersecurity events
Internet outages
Third-party failures
Events outside PureShield’s reasonable control

Do not rely solely on the website for urgent insurance matters.

24. RESPONSE TIMES

PureShield strives to respond to routine client communications within one business day.

This is a service goal, not a guarantee.

Actual response and completion times may depend on:

Carrier availability
Underwriting
Documentation
Third-party systems
Complexity of the request
Volume
Holidays
Emergencies
Events outside PureShield’s reasonable control

25. EMERGENCY REQUESTS

The phrase “24/7” means clients may contact or submit information to PureShield at any time.

It does not mean every carrier, underwriter, claims representative, billing department, or third-party service is available 24 hours per day.

Some requests cannot be completed outside normal business hours.

26. NO ASSUMPTION OF COVERAGE

Clients should never assume that coverage exists because:

A form was submitted
A voicemail was left
An email was sent
A text was sent
A portal request was created
A payment was attempted
A quote was approved
An application was completed

Coverage requires proper carrier authorization and confirmation.

27. FRAUD AND MISREPRESENTATION

PureShield reserves the right to decline or terminate service where legally permitted if a person provides fraudulent, misleading, falsified, or intentionally incomplete information.

Insurance fraud may also be reported to insurance carriers or appropriate authorities when required or permitted by law.

28. ABUSIVE OR THREATENING CONDUCT

PureShield is committed to respectful service.

We reserve the right, where legally permitted, to restrict communication methods or discontinue an agency relationship because of:

Threats
Harassment
Abuse
Fraud
Discrimination
Repeated inappropriate conduct
Threats against employees, agents, carriers, or business partners

29. ERRORS AND CORRECTIONS

PureShield strives to provide accurate information.

However, typographical, clerical, technical, administrative, or transmission errors may occasionally occur.

PureShield reserves the right to correct errors when discovered.

A website error or clerical mistake does not create insurance coverage that was not otherwise issued by an authorized insurance carrier.

30. NO WAIVER

A failure by PureShield to enforce any portion of this Service Policy in a particular situation does not constitute a permanent waiver of that provision.

31. CHANGES TO THIS POLICY

PureShield may update this Service Policy periodically.

The current version will be posted on the website with the applicable revision date.

Continued use of PureShield’s website or services after an update may be subject to the updated policy to the extent permitted by law.

32. INSURANCE POLICY CONTROLS

Nothing contained on this website should be interpreted as replacing an insurance contract.

If there is any inconsistency between website content and the actual insurance policy, the insurance policy and applicable carrier documentation control.

OUR SERVICE COMMITMENT

These disclosures do not change the standard we hold ourselves to.

PureShield’s goal is to provide:

Clear communication.
Responsive service.
Honest guidance.
Professional accountability.

We want clients to know who to contact, what happens next, and where their insurance stands.

Protection never clocks out.

PureShield Insurance