Terms of Service
Last Updated: June 2026
These Terms of Service explain the general terms for using this website and submitting information to Hightree Insurance Solutions. By using this website, submitting a form, calling, emailing, or otherwise contacting Hightree Insurance Solutions, you agree to these terms.
Website Information
The information on this website is provided for general informational purposes only. It should not be considered legal, tax, financial, or insurance advice. Insurance needs vary by business type, state, carrier, underwriting requirements, and individual circumstances.
Quote Requests
Submitting a quote request through this website does not guarantee coverage, approval, pricing, policy issuance, or acceptance by any insurance carrier. Quotes and coverage options are subject to carrier availability, underwriting review, eligibility requirements, and state-specific rules.
No Coverage Until Confirmed
Insurance coverage is not bound, changed, canceled, or effective unless confirmed directly by Hightree Insurance Solutions and the applicable insurance carrier. Do not assume coverage exists based only on submitting a form, sending a message, leaving a voicemail, or speaking with an agent.
Accuracy of Information
You are responsible for providing accurate, current, and complete information when requesting a quote or communicating with Hightree Insurance Solutions. Incorrect, outdated, or incomplete information may affect quote accuracy, eligibility, coverage, pricing, claims, or policy approval.
Business and Commercial Insurance
Commercial insurance policies may have specific requirements, exclusions, limitations, deductibles, filings, and conditions. Hightree Insurance Solutions can help explain available options, but final coverage terms are controlled by the insurance carrier and the issued policy documents.
Carrier Approval and Underwriting
Insurance carriers may approve, deny, modify, or request additional information before issuing a quote or policy. Coverage availability, pricing, underwriting decisions, claims decisions, and policy terms are determined by the applicable carrier.
Third-Party Services
Hightree Insurance Solutions may use third-party insurance carriers, technology platforms, forms, communication tools, payment processors, analytics tools, and other service providers. Hightree Insurance Solutions is not responsible for the policies, actions, errors, availability, or security of third-party services.
Website Availability
Hightree Insurance Solutions does not guarantee that this website will always be available, secure, error-free, or uninterrupted. The website may be updated, changed, suspended, or removed at any time without notice.
Links to Other Websites
This website may contain links to third-party websites or platforms. These links are provided for convenience only. Hightree Insurance Solutions is not responsible for the content, security, privacy practices, or terms of third-party websites.
Limitation of Liability
To the fullest extent permitted by law, Hightree Insurance Solutions is not responsible for any damages, losses, delays, errors, or issues resulting from use of this website, inability to access the website, reliance on website information, form submission delays, communication delays, or third-party service issues.
No Guarantee of Results
Hightree Insurance Solutions does not guarantee that any user will qualify for coverage, receive a specific premium, obtain a specific policy, save money, or receive approval from any insurance carrier.
Communication Consent
By submitting your information through this website, you agree that Hightree Insurance Solutions may contact you by phone, text message, or email regarding your quote request, coverage needs, or related services. Message and data rates may apply. You may request that communications stop at any time.
Changes to These Terms
Hightree Insurance Solutions may update these Terms of Service at any time. Updates will be posted on this page with a revised “Last Updated” date. Continued use of this website after updates means you accept the revised terms.
Privacy Policy
Use of this website is also subject to the Hightree Insurance Solutions Privacy Policy, which explains how information may be collected, used, and shared.
Contact
If you have questions about these Terms of Service, please contact Hightree Insurance Solutions directly.