Terms & Conditions
Last updated: July 22, 2026
These Terms & Conditions ("Terms") govern your use of the Insurance Contractors, LLC ("Insurance.Contractors," "we," "us," or "our") website and services, including our text messaging (SMS) program. By using our website, submitting a quote request, or opting in to receive text messages, you agree to these Terms.
1. Use of Our Website
Our website is provided for the purpose of requesting insurance quotes, learning about our services, and contacting our agency. You agree to use our website only for lawful purposes and to provide accurate information when requesting a quote.
2. Insurance Quotes
Quotes provided through our website or by our agents are estimates only and are not a binding offer of coverage. Actual coverage, eligibility, and premium are determined by the insurance carrier underwriting your policy. We work with multiple carriers to shop your coverage but do not guarantee approval or pricing from any specific carrier.
3. SMS Text Messaging Program
Insurance Contractors, LLC offers an optional SMS text messaging program for customers who opt in. By checking the SMS consent box on our quote form or another opt-in point, you agree to the following:
- Program description: You may receive text messages related to insurance quotes, policy updates, appointment reminders, and customer service.
- Message frequency: Message frequency varies depending on your quote, policy, or service needs.
- Message and data rates: Message and data rates may apply, depending on your mobile carrier and plan.
- Opt-out: You may cancel the SMS program at any time by replying STOP to any text message. After you send STOP, we will confirm your opt-out and you will not receive further messages unless you opt in again.
- Help: Reply HELP to any text message for assistance, or contact us directly at (815) 691-1111.
- Carrier liability: Carriers are not liable for delayed or undelivered messages.
- Not required for purchase: Consent to receive text messages is not a condition of purchasing any insurance product or service from Insurance Contractors, LLC.
Text messages may be sent from a phone number or messaging platform separate from our main business line. Your mobile information and SMS opt-in consent are handled in accordance with our Privacy Policy and are never shared with third parties for marketing or promotional purposes.
4. Intellectual Property
All content on this website, including text, graphics, logos, and images, is the property of Insurance Contractors, LLC or its licensors and may not be used without permission.
5. Third-Party Links
Our website may contain links to third-party websites, including insurance carrier sites. We are not responsible for the content, privacy practices, or terms of any third-party website.
6. Limitation of Liability
Insurance Contractors, LLC provides this website and its content on an "as is" basis. We make no warranties, express or implied, regarding the accuracy or completeness of information on this site, and we are not liable for any damages arising from your use of this website.
7. Governing Law
These Terms are governed by the laws of the State of Illinois, without regard to its conflict of law principles.
8. Changes to These Terms
We may update these Terms from time to time. Any changes will be posted on this page with an updated effective date. Continued use of our website or SMS program after changes are posted constitutes acceptance of the updated Terms.
9. Contact Us
If you have questions about these Terms, please contact us:
Insurance Contractors, LLC
4001 N Perryville Rd, Suite B
Loves Park, IL 61111
Phone: (815) 691-1111
Website: insurance.contractors