← Back to home Legal

Terms of Use

The rules for using this website, and the limits of what it can do.

Last updated July 18, 2026 · Effective July 18, 2026

The short version

  • This site gives you information and lets you request a quote. It cannot bind, change, or cancel insurance coverage.
  • Nothing here is an offer of insurance or a promise that coverage will be issued. A licensed agent has to confirm it in writing, and the carrier has to accept it.
  • Quotes are estimates. Your real price and terms come from the carrier after underwriting.
  • What our pages say about coverage is general. Your actual policy document always controls.
  • Give us accurate information. Insurance decisions depend on it.

The full terms are below. This summary is for convenience and does not replace them.

1. Acceptance of these terms

These Terms of Use are an agreement between you and Emperor Insurance, Inc. ("Emperor Insurance," "we," "us," or "our"), covering your use of emperorinsurance.com and every page, form, and feature on it (the "Site").

By using the Site, you agree to these terms. If you do not agree, please do not use the Site. Our Privacy Policy is part of this agreement.

2. Who we are and what we do

We are an independent insurance agency headquartered at 12928 SW 133rd Ct, Miami, FL 33186, authorized to transact insurance in Florida, Nevada, Georgia, Texas, and California.

We are an agency, not an insurance company. We do not underwrite insurance, we do not issue policies, and we do not pay claims. We shop your risk to licensed carriers, and those carriers decide whether to offer you coverage, on what terms, and at what price. Claims are handled by your carrier under the terms of your policy.

We can only transact insurance in the states listed above. If you are outside those states, we may not be able to help you, and nothing on this Site is an offer to sell insurance where we are not licensed.

3. No coverage is bound through this site

Submitting a form on this Site does not buy, bind, change, renew, reinstate, or cancel any insurance coverage. No coverage exists until a licensed producer confirms it to you in writing and the carrier accepts the risk. Until you have that confirmation, assume you are not covered.

Do not use this Site, email, or a web form for anything time-sensitive. That includes reporting a claim, requesting that coverage start on a particular date, adding a vehicle or driver, or asking to cancel a policy. We cannot promise anyone will see an electronic message in time, and a delay could leave you uninsured.

For anything urgent, call us at 305-253-5343 and speak with a licensed agent. To report a claim, contact your carrier directly using the number on your policy or ID card.

4. Information, not advice

The content on this Site (coverage descriptions, FAQs, articles, comparisons, and examples) is general information about insurance. It is not legal, tax, or financial advice, and it is not a recommendation that any particular coverage is right for you. Insurance is specific to your situation; general information cannot account for yours.

Coverage descriptions here are summaries. They are not complete, and they do not modify any policy. The actual terms, conditions, limits, deductibles, and exclusions of your insurance are set out in the policy issued to you by the carrier, and that document controls in every case. If something on this Site conflicts with your policy, your policy wins. Read it, and ask us about anything you do not understand.

5. Quotes and estimates

Any premium figure we show you or send you is an estimate based on the information available at that moment. It is not a contract, not a guarantee, and not an offer of insurance.

Your actual premium and eligibility are determined by the carrier through underwriting, which may consider information you have not given us: motor vehicle records, prior claims history, property inspections, or credit-based insurance scores, where state law allows their use. A quote may change or be withdrawn once underwriting is complete, and a carrier may decline your business. Quotes are valid only for the period stated, and rates are subject to carrier filings and regulatory approval.

6. Who may use this site

You must be at least 18 years old and legally able to enter a contract to use this Site or request a quote. The Site is intended for use in the United States. If you are requesting a quote, you should be located in, or seeking coverage for a risk in, a state where we are licensed.

If you are requesting a quote on behalf of a business or another person, you are confirming that you have the authority to do that and to provide their information to us.

7. Information you submit

When you submit a form, you agree that the information you give us is true, accurate, and complete, and that you will tell us if it changes while we are working on your request.

This matters more in insurance than almost anywhere else. Carriers price and issue policies in reliance on what you tell us. Inaccurate or incomplete information can result in an incorrect quote, a denied claim, or the rescission of your policy. Misrepresenting a material fact on an insurance application may also be a crime under the law of your state.

What we do with the information you submit is set out in our Privacy Policy. By submitting a form, you are asking us to contact you about your request, and you agree we may do so by phone, text, or email at the details you gave us. You can stop that at any time. Section 8 of the Privacy Policy explains how.

Please do not send us Social Security numbers, driver's license numbers, dates of birth, or financial account numbers through this Site. If a carrier needs them, we will collect them through a secure channel.

8. Acceptable use

You agree not to:

  • Use the Site for any unlawful purpose, or in violation of these terms.
  • Submit false, fraudulent, or misleading information, or impersonate anyone.
  • Submit another person's information without their permission.
  • Use automated means: bots, scrapers, crawlers: to access, copy, or harvest content or contact details from the Site, except for search engines operating within our robots.txt.
  • Send spam or bulk submissions through our forms, or attempt to overload, disrupt, or interfere with the Site.
  • Probe, scan, or test the Site's security, or try to gain unauthorized access to any system or data.
  • Upload anything containing malware, or attempt to inject code through our forms.
  • Copy, reproduce, or republish our content for a competing commercial purpose.
  • Remove or obscure any copyright, trademark, or other proprietary notice.

We may refuse service, block access, or discard submissions that we reasonably believe violate this section, without notice.

9. Our content and trademarks

The Site and its content (text, layout, design, graphics, icons, photographs, and code) are owned by us or our licensors and are protected by United States copyright and trademark law. "Emperor Insurance," our logo, and our crown mark are our trademarks.

You may view, download, and print pages of this Site for your own personal, non-commercial use in evaluating insurance. That is the only license we grant. Everything else (copying, redistribution, modification, framing, mirroring, or commercial use) requires our written permission.

Carrier names and logos that appear on this Site are the trademarks of those carriers, used to identify the companies we work with. Their appearance does not imply that they endorse us.

10. Third-party sites and carriers

This Site links to carrier websites, payment portals, review platforms, and other third parties. We provide those links for your convenience. We do not control those sites, we do not endorse their content, and we are not responsible for anything on them or for any dealings you have with them. Your use of a third-party site is governed by that site's terms and privacy policy, not ours.

11. Site availability

We work to keep this Site up, but we do not promise it will always be available or error-free. We may change, suspend, or discontinue any part of it at any time, without notice. We may also correct errors in content, pricing, or coverage descriptions at any time.

12. Disclaimer of warranties

THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, secure, or error-free, that defects will be corrected, that the Site is free of harmful components, or that the content is accurate, complete, or current. You use the Site at your own risk.

Nothing in this section limits any obligation we owe you under the insurance laws of your state, or affects the coverage provided by any policy issued to you. Some states do not allow the exclusion of certain warranties, so parts of this section may not apply to you.

13. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, EMPEROR INSURANCE AND ITS OWNERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER THEORY, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THIS INCLUDES, WITHOUT LIMITATION, ANY DAMAGES RESULTING FROM YOUR RELIANCE ON CONTENT ON THE SITE, ANY INTERRUPTION OR ERROR IN THE SITE, OR ANY FAILURE OR DELAY IN OUR RECEIPT OF A SUBMISSION MADE THROUGH THE SITE.

This section limits our liability for your use of this website. It does not limit our liability under the insurance laws of your state for our conduct as your insurance agent, and it does not affect any claim under a policy issued to you. Some states do not allow the limitation of certain damages, so parts of this section may not apply to you.

14. Indemnification

You agree to indemnify and hold harmless Emperor Insurance and its owners, employees, and agents from any claim, loss, liability, or expense, including reasonable attorneys' fees: arising out of your violation of these terms, your misuse of the Site, your submission of false or fraudulent information, or your submission of another person's information without their permission.

15. Governing law and venue

These terms are governed by the laws of the State of Florida, without regard to its conflict of laws rules. Any dispute arising out of these terms or your use of the Site will be brought exclusively in the state or federal courts located in Miami-Dade County, Florida, and you consent to the jurisdiction of those courts.

This section governs disputes about this website. It does not override any policy provision, any mandatory venue or governing-law rule of the state where your policy was issued, or your right to bring a complaint to your state's insurance department.

16. Changes to these terms

We may revise these terms at any time. When we do, we will change the "Last updated" date at the top of this page, and the revised version takes effect when posted. Your continued use of the Site after that means you accept the change. The version posted here is always the one in force, check back from time to time.

17. General provisions

  • Severability: If any provision is found unenforceable, it will be limited or removed to the minimum extent necessary, and the rest stays in force.
  • No waiver: If we do not enforce a provision, that is not a waiver of our right to enforce it later.
  • Entire agreement: These terms and the Privacy Policy are the entire agreement between you and us regarding the Site. They do not replace any insurance policy, application, or separate written agreement between us.
  • Assignment: You may not assign these terms. We may assign them to a successor to our business.
  • Survival: Sections 9, 12, 13, 14, 15, and 17 survive any termination of your use of the Site.

18. How to contact us

Questions about these terms?