Terms of Service

Last Updated: March 2026

Terms & Conditions

Specialty Insurance Services USA, LLC

PLEASE READ THESE TERMS AND CONDITIONS ("Terms") BEFORE USING THIS SITE. By continuing to access or use the website, data, information, products, applications, or services (collectively "Services") provided by Specialty Insurance, you acknowledge that you have read and understand these Terms and agree to be bound by them. If you do not accept or understand all of these Terms, do not access or use this site and cease your current access.

THESE TERMS CONTAIN A MANDATORY INDIVIDUAL ARBITRATION AND CLASS ACTION/JURY TRIAL WAIVER PROVISION THAT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS.

1. Conditions of Service

Your use of this website is also subject to our Privacy Policy ("Additional Terms"). By continuing to access or use the Services, you acknowledge that you have read and understand the Additional Terms and agree to be bound by them as well.

As used in these Terms, "Specialty Insurance," "we," "us," or "our" refers to Specialty Insurance Services USA, LLC, a Limited Liability Company and wholly owned subsidiary of Alliance Risk Insurance Services LLC, operating under the name "Specialty Insurance" in all states. The terms "you," "customer," and "user" mean you, the individuals using our Services, and any entity or organization you represent. The term "Services" means, collectively, the website at www.specialtyinsurancesc.com ("Website"), various online platforms, applications, widgets, information, insurance brokerage services, email notifications, and other related media through which you access these Terms.

You warrant that you are at least 18 years of age and can enter into binding contracts for insurance or other goods. Persons under 18 years of age may not use this site.

You further warrant that all information you provide about yourself or your organization is true and complete. You agree to promptly notify Specialty Insurance of any changes in the information provided about yourself or your organization or any other material changes that could impact your use of the Services.

2. Privacy Policy

By using our Services, you acknowledge that you have read and understand our Privacy Policy. These Terms incorporate the Privacy Policy in full, and by agreeing to these Terms, you agree to be bound by the Privacy Policy. You also acknowledge receipt of our Cookies Policy, which is incorporated into our Privacy Policy.

3. Data Collection and Consent

You consent to Specialty Insurance collecting data and Personal Data, as defined in our Privacy Policy, from you even though we may not be able to offer you any available products or services for purchase at the time of collection. Specialty Insurance currently sells products or services in a limited number of states and currently offers limited insurance products. If you voluntarily provide us with any information about yourself or a third party, you agree that Specialty Insurance reserves the right to use that data for market analysis, advertising, or other commercial purposes.

When applying for an insurance policy, you represent that you have provided notice to and obtained consents from your company and/or employees that will allow us to obtain any records needed for underwriting decisions.

4. Consent to Receive Electronic Documents

In certain circumstances, we may be required by law to obtain your consent before providing you with information or documents in electronic format. Please read the following carefully before giving consent by using our Services.

"Communications" means all information that we are required to provide to you by law, or as reasonably necessary to administer your Contract, including but not limited to your online enrollment or application, declarations page, Policy, certificate, terms and conditions, responses to claims, transaction history, privacy policies, billing statements, amendments, service notices, and disclosures about changes in the terms of your Contract. "Contract" means a Policy, certificate, or any other product or service requested by you and provided by us. "Policy" means a written contract of insurance, or written agreement effecting insurance, or the certificate thereof, including all clauses, riders, endorsements, and declarations pages.

(a) Scope of Electronic Communications. You agree that we may provide you with any Communication in electronic format, and that we may discontinue sending paper Communications to you, unless and until you withdraw your consent as described below or at our option upon notification.

(b) Methods of Electronic Communication. All Communications that we provide electronically will be delivered by one or more of the following methods (to the extent permissible by law): (1) via email; (2) by access to a secure website that we will generally designate in advance; or (3) via text message or mobile message service. Your carrier may charge a fee for receiving text messages. We will provide a particular Communication in writing if required by law.

(c) Withdrawing Consent. You may withdraw your consent to receive electronic Communications by emailing us at support@specialtyinsurancesc.com. At our option, we may treat your provision of an invalid email address, or the subsequent malfunction of a previously valid email address, as a withdrawal of your consent. We will not impose any fee to process the withdrawal of your consent; however, your access and use of the Services may be terminated. Termination of your consent to conduct business electronically shall not affect the legal enforceability of any Contract previously provided to you.

(d) Updating Your Records. It is your responsibility to provide us with accurate email addresses, contact information, and other information related to these Terms and your Contract, and to maintain and promptly update any changes. You can update your information via our Website or by emailing us at support@specialtyinsurancesc.com, Attn: Customer Service. Please do not send confidential information via standard email, as we cannot guarantee that the transmission will be secure.

(e) Requesting Paper Copies. When you consent to receive Communications electronically, you should not expect to receive a paper copy unless you request one, a paper copy is required by law, or we deem it appropriate. To request a paper copy, email us at support@specialtyinsurancesc.com. A reasonable service fee may apply.

5. Minimum System Requirements

To access, view, and retain electronic Communications from us and to use the Services, you need:

  • An up-to-date Internet browser
  • Local, electronic storage capacity to retain Communications and/or a printer to print them
  • A valid email account and software to access it
  • An up-to-date device (e.g., computer, smartphone, tablet) suitable for connecting to the Internet
  • The domain specialtyinsurancesc.com added to your email safe sender list
  • Software to view PDF files, such as the latest version of Adobe Reader

6. Registration

As a condition to using certain features of our Services, we may create accounts for users. Your email address will serve as your username. Logins may require a one-time password or email verification. You may not use an email address that represents or impersonates another person. We reserve the right to refuse or cancel any username at our discretion. You are responsible for maintaining the confidentiality of your username and password. Notify us immediately at support@specialtyinsurancesc.com if you become aware of any unauthorized use involving your account.

7. Insurance Services

If you choose to use our insurance brokerage services, you agree to: (i) designate Specialty Insurance as your broker of record or agent of record; (ii) authorize Specialty Insurance to communicate such designation to any insurance carrier, your prior insurance producer, and any other person or entity we determine should be advised; and (iii) permit Specialty Insurance to receive any commission or other form of compensation that any insurance carrier or partner agrees to pay in connection with the provision of insurance brokerage services.

8. Applications Do Not Bind Insurance

Submitting an application for an insurance quotation through this website does not constitute a binder of insurance coverage, although it may be used by Specialty Insurance to provide an estimate of the terms, conditions, and costs of coverage. A quotation may be subject to receipt of additional information or other conditions. In certain circumstances, payment may be collected before the policy is bound, and coverage will only go into effect once confirmation is provided directly. Do not cancel any existing insurance until you have received written confirmation from the insurance company that your new policy is effective.

9. Use of Our Services

Our Services, as well as their underlying processes, related content, and generated data, are for commercial use only. You may not copy, reproduce, sell, distribute, replicate, relay, transmit, broadcast, or license our Services or their underlying processes, related content, or generated data without our express written consent. Your use of our Services is not transferable. We reserve the right to suspend or discontinue the availability of our Services at any time in our sole discretion and without prior notice.

10. Prohibited Activities

You are responsible for anything you transmit to or through our Website or to Specialty Insurance through email, text, voice, social media, or any similar service. You represent that your communications are truthful, accurate, not misleading, and offered in good faith. You agree to refrain from the following prohibited activities:

  • Criminal or tortious activity, including fraud, harassment, infringement of intellectual property, defamation, or use of obscene or offensive content
  • Content that promotes discrimination, bigotry, racism, hatred, violence, or harm against any individual or group, or that advocates illegal or harmful activities
  • Advertising to, or soliciting, any user to buy or sell products or services
  • Impersonating another user or entity, or using false contact information
  • Automated use of the system, including scripts, spiders, crawlers, or data mining tools
  • Probing, scanning, or testing the vulnerability of any system or network, or breaching any security measures
  • Interfering with, disrupting, or overburdening our Services or networks
  • Accessing or tampering with non-public areas of the Services or our computer systems
  • Circumventing any technological measures implemented to protect the Services
  • Using meta tags or hidden text utilizing our trademarks, logos, or product names without written consent
  • Reverse engineering any software used to provide the Services
  • Collecting personal information from other users without their consent
  • Using our Services in violation of applicable laws and regulations
  • Encouraging or enabling any other individual to do any of the foregoing

11. Intellectual Property

This website, including but not limited to its trademarks, trade names, service marks, content, materials, designs, text, photographs, video, audio, and graphics (collectively "Content"), belongs to Specialty Insurance or to other parties. No one is authorized to use or alter any of the Content in any manner without the prior written permission of the owner.

The Content is protected by U.S. and international copyright law and treaties, and shall not be transmitted, broadcast, copied, adapted, displayed, reproduced, republished, uploaded, downloaded, posted, distributed, performed, or otherwise used without our prior express permission. Your use of and access to this site does not grant you a license or any right to use any of the Content.

12. Monitoring of Services

We reserve the right, but have no obligation, to monitor our Services for violations of these Terms, take appropriate legal action against violators, refuse or restrict access, remove content, and otherwise manage the Services to protect the rights and property of Specialty Insurance and its customers.

13. Termination

We may restrict, suspend, or terminate your use of or access to our Services in the event that you violate these Terms, at our sole discretion and as permitted by law. We may change the Services or content, or otherwise restrict access to all or parts of our Services without providing notice, as permitted by law. Your policy may be canceled or nonrenewed for reasons in accordance with state regulations, including termination for a single claim or loss where allowed.

14. Content

Specialty Insurance makes no representations or warranties about the suitability of the content of its Website for any purpose. All content is provided on an "as is" and "as available" basis without any warranties. Refer to your policy documents for specific insurance terms.

15. Disclaimer of Warranties

USE OF THE SERVICES, THE CONTENT AND ANY MATERIALS OBTAINED THROUGH YOUR USE OF THE SERVICES IS AT YOUR OWN RISK. SPECIALTY INSURANCE MAKES NO WARRANTY OF ANY KIND REGARDING THIS WEBSITE, THE SERVICES AND/OR THE CONTENT WHICH ARE PROVIDED "AS-IS," "AS AVAILABLE" AND "WITH ALL FAULTS." SPECIALTY INSURANCE EXPRESSLY DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT THIS WEBSITE WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED. SPECIALTY INSURANCE FURTHER DISCLAIMS ANY WARRANTY AS TO THE ACCURACY, RELIABILITY, ADEQUACY, COMPLETENESS OR TIMELINESS OF ANY OF THE CONTENT ON THIS WEBSITE.

SPECIALTY INSURANCE EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS, INCLUDING IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, EXCEPT TO THE EXTENT SUCH WARRANTIES ARE REQUIRED BY APPLICABLE LAW.

16. Limitation of Liability

UNDER NO CIRCUMSTANCES WILL SPECIALTY INSURANCE BE LIABLE FOR ANY LOSS OR DAMAGES INCLUDING, WITHOUT LIMITATION, GENERAL, SPECIAL, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE OR ANY OTHER DAMAGES OF ANY KIND WHETHER IN AN ACTION IN CONTRACT OR TORT, EVEN IF SPECIALTY INSURANCE WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF OR RELATING IN ANY WAY TO: (A) ANY PARTY'S USE OR INABILITY TO USE THE SERVICES; (B) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION; (C) THE COST OF GETTING SUBSTITUTE GOODS OR SERVICES; (D) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED THROUGH THE SERVICES; (E) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (F) ANY FAILURE OR DELAY TO SUBMIT APPLICATIONS FOR INSURANCE PRODUCTS OR SERVICES; OR (G) ANY OTHER MATTER ARISING OUT OF OR RELATING IN ANY WAY TO THE SERVICES OR THE CONTENT.

YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICES OR THE CONTENT IS TO DISCONTINUE USING THE SERVICES.

17. Representations to Us

By using our Services, you represent that:

  • You are at least 18 years old.
  • You are authorized to purchase and bind insurance on behalf of the applying entity.
  • You have no judgments or liens against you in the past three years.
  • You authorize Specialty Insurance to obtain credit reports from a reporting agency and review them as needed.
  • If applying for workers' compensation insurance, you authorize the National Council on Compensation Insurance (NCCI) to release your risk history report to Specialty Insurance for underwriting purposes.

If any of these representations are not true, you are not authorized to use our Services.

18. No Legal Advice

Any information you access on this website does not constitute a recommendation, advice, or complete description of any products, Services, or plan. Coverage is provided by various insurance companies and is subject to the terms and conditions contained within your specific policy. You must not rely on the information on this website as an alternative to legal advice from an attorney, nor should you delay seeking legal advice, disregard legal advice, or commence or discontinue any legal action based on the Services or Content.

19. Indemnification

You agree to defend, indemnify, and hold harmless Specialty Insurance and its parent company, Alliance Risk Insurance Services LLC, along with their respective employees, representatives, suppliers, and agents, from and against any and all claims, suits, actions, losses, expenses, demands, or liabilities, including attorneys' fees and costs, arising out of or in any way related to: (i) your use of the Services or the Content; (ii) your violation of these Terms; (iii) your infringement of any intellectual property or other right of any person or entity; or (iv) your violation of any applicable law or regulation.

20. Third-Party Links

Our Website may contain links to other websites offering third-party products or services. This Terms of Service does not apply to those websites or services. We encourage you to review the privacy statements and terms of any third-party websites you visit. We do not control websites or online services operated by third parties and are not responsible for their actions, content, or privacy practices.

21. Fees and Charges

Purchasing products or services from us may result in additional charges, such as installment, service, or cancellation fees. These are separate from any premiums or commissions we may receive. You are not obligated to purchase insurance to use our Services. Premiums are earned upon binding the insurance policy and will be communicated in advance.

22. No Modification of Insurance Policy or Coverage

Unless otherwise expressly stated in writing, nothing contained on this website or provided to you by Specialty Insurance should be construed as modifying, changing, or altering your policy or coverage thereunder.

23. Void Where Prohibited

Our Services are intended for use in areas of the United States where we, our affiliates, our partner insurers, our brokers, or our agents are licensed and permitted to sell our products and services. Although our Services may be accessed from other locations, any offer or transaction is void where prohibited by law. Our Services are not intended for minors. If you are under 18, do not attempt to access our Services.

24. Governing Law and Jurisdiction

You agree that these Terms (including the incorporated Privacy Policy) are governed by and interpreted under the laws of the State of Delaware, without regard to conflict of law principles. By using our Services, you consent to the personal and exclusive jurisdiction of the state and federal courts of New York for resolving any disputes arising from your use of the Services, including enforcement of any arbitration award. You also waive any objections to such jurisdiction or venue.

25. Informal Dispute Resolution

For any dispute with Specialty Insurance, you agree to first contact us at support@specialtyinsurancesc.com and attempt to resolve the dispute informally. In the unlikely event that we are not able to resolve the dispute after sixty (60) days, either party may proceed to binding arbitration as set forth below.

26. Arbitration Agreement

READ THIS SECTION CAREFULLY BECAUSE IT REQUIRES THE PARTIES TO ARBITRATE THEIR DISPUTES AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF.

Any dispute arising out of or related to these Terms shall be resolved through binding arbitration, following efforts by the parties to settle such disputes informally. Arbitration will be administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules and consumer dispute procedures, excluding any rules or procedures for class actions. The arbitrator will have exclusive authority to resolve disputes, including the validity of the arbitration provision. The arbitrator's decision will be binding and enforceable in any competent court.

Notwithstanding the arbitration agreement, relief may also be sought in a small claims court for disputes within that court's jurisdiction.

27. No Class Actions

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ANY AND ALL DISPUTES, CLAIMS AND CAUSES OF ACTION ARISING OUT OF, IN CONNECTION WITH OR IN ANY WAY RELATED TO THE SERVICES WILL BE RESOLVED INDIVIDUALLY, WITHOUT RESORT TO ANY FORM OF CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION OR OTHER REPRESENTATIVE PROCEEDING.

YOU FURTHER AGREE THAT, BY ENTERING INTO THIS AGREEMENT, YOU AND SPECIALTY INSURANCE ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE ACTION.

28. Severability

If any provision of these Terms is deemed unenforceable, invalid, or ambiguous by a court of competent jurisdiction or arbitrator, such provision will be enforced to the maximum extent permissible and the remaining provisions will continue in full force and effect.

29. Non-Waiver

The failure of Specialty Insurance to enforce any of its rights or act with respect to a breach of these Terms by you or others does not constitute a waiver of any such rights and will not limit our rights with respect to such breach or any subsequent breaches.

30. Force Majeure

Neither party will be responsible for delays or failures due to acts of God, war, blockades, embargoes, riots, government restrictions, labor disturbances, supply shortages, epidemics, quarantines, fires, floods, earthquakes, explosions, unforeseen changes in circumstances, or other causes beyond reasonable control.

31. Entire Agreement

These Terms, together with any expressly incorporated policies or notices, constitute the entire agreement between the parties and supersede any prior agreements, whether written or oral, related to our Services. The titles contained in these Terms are inserted only as a matter of convenience and have no legal or contractual effect.

32. Notification of Changes

Specialty Insurance reserves the right to change these Terms from time to time and at its sole discretion. Material changes will be posted on our Website with a notice at least thirty (30) days prior to the effective date. Your continued use of the Services after the last revision date indicates your acceptance of any revisions.

33. SMS Communications

By submitting contact information on this website, you consent to receiving calls, SMS, and emails from Specialty Insurance and its affiliates. You have the right to opt out of receiving SMS communications at any time by replying "STOP" to any text message or following the instructions provided in the message. Standard messaging rates and fees may apply depending on your mobile carrier and plan.

34. Contact Specialty Insurance

For questions about these Terms or to notify us regarding your use of our Services, contact us by email at support@specialtyinsurancesc.com or via postal mail to:

Specialty Insurance Services USA, LLC
250 W 57th St, Suite 1301B
New York, NY 10107
(888) 673-7228