Terms & Conditions

1. Introduction

By accessing and using our Website, you agree to comply with and be bound by the terms outlined in these Terms of Service (formerly referred to as “Terms of Use”), along with our Privacy Policy. Collectively, these documents constitute a legally binding agreement between you and us.

The terms “Alliance Risk,” “we,” “us,” or “our” refer to Alliance Risk Holding Company LLC., a Limited Liability Company, as well as our subsidiary agency, Alliance Risk Insurance Services LLC, operating under the name “Alliance Risk ” in all states. The terms “you,” “customer,” and “user” refer to you, the individuals using our Services, and any entity or organization you represent. The term “Services” encompasses the website at www.joinalliancerisk.com(“Website”), various online platforms, applications, widgets, information, insurance brokerage services, email notifications, and other related media through which you access these Terms of Service. This agreement includes a commitment to arbitrate all claims and disclaims warranties and liabilities.

2. Privacy Policy

By using our Services, you confirm that you have read and understood our Privacy Policy. The Terms of Service include our Privacy Policy by reference, and by agreeing to these Terms of Service, you also agree to abide by the Privacy Policy. You also acknowledge our Cookies Policy, which is integrated into our Privacy Policy.

3. Your Compliance with the Terms of Service

By utilizing our Services and visiting our Website, you agree to these Terms of Service, and your acceptance is supported by valid and valuable consideration. This consideration includes, but is not limited to, access to and interaction with our Services. You affirm that you have the capacity to agree to these Terms of Service and, if representing a business entity or other organization, that you have the authority to bind that entity or organization.

4. Data Collection and Consent

You consent to Alliance Risk collecting data and Personal Data, as defined in Section 2 of our Privacy Policy, from you, even if we are unable to offer you any products or services for purchase. Alliance Risk currently provides products or services only in select states and limited insurance products. If you voluntarily share information about yourself or others, you agree that Alliance Risk may use that data for market analysis, advertising, or other commercial purposes, even if we cannot offer products or services for sale at the time of submission.
When applying for an insurance policy, you affirm that you have notified and obtained consent from your company and/or employees to allow us to access records necessary for underwriting decisions.

5. Consent to Receive Electronic Documents

In some situations, we may need your consent to provide information or documents electronically. Please review the following carefully before giving your consent through our Services.
“Communications” refers to all the information we are legally required to provide or that is reasonably necessary to manage your Contract, including but not limited to online applications, declarations, Policies, certificates, terms and conditions, claims responses, transaction history, privacy policies, billing statements, amendments, service notices, and contract changes. “Contract” means a Policy, certificate, or any other product or service you request from us. “Policy” refers to a written insurance contract or agreement, including any clauses, riders, endorsements, and declarations pages.

(a) Scope of Electronic Communications. You agree that we may provide Communications in electronic format and may stop sending paper Communications (including paper documents required by U.S. mail), unless you withdraw your consent as described below or we notify you otherwise. We may also authorize an agent to deliver certain Communications on our behalf and facilitate their delivery.

(b) Methods of Electronic Communication. We may deliver Communications electronically through one or more of the following methods (as allowed by law): (1) email; (2) a secure website we designate; or (3) text or mobile messaging. Please note, your carrier may charge for text or mobile messages. Written Communications will be provided if required by law.

(c) Withdrawing Consent. You may withdraw your consent to electronic Communications by emailing us at contact@allianceriskpartners.com. We may treat an invalid email address or malfunctioning address as a withdrawal of consent. No fee will be charged for withdrawing consent, but access to the Online Service may be terminated. Withdrawal will be processed within a reasonable time, and termination will not affect the enforceability of any Contracts provided.

(d) Updating Records. It is your responsibility to provide and maintain accurate email addresses and contact information related to these Terms of Service and your Contract. Update your information via our Website or email us at contact@allianceriskpartners.com, Attn: Customer Service. Avoid sending confidential information via standard email, as we cannot ensure its security.

(e) Requesting Paper Copies. When you agree to receive Communications electronically, you should not expect paper copies unless requested, required by law, or deemed appropriate by us. To request a paper copy, email us at contact@allianceriskpartners.com. A reasonable service fee may apply for paper copies.

6. Minimum System Requirements

To access, view, and retain electronic Communications and use our Services, you need:
An up-to-date internet browser
Local storage or a printer to retain or print Communications
A valid email account and access software
A current device (e.g., computer, smartphone, tablet) suitable for internet use
The domain allianceriskpartners.com added to your email’s safe sender list
Software to view PDF files, such as the latest version of Adobe Reader, available at www.adobe.com. If unable to download, consult your device’s manufacturer for alternatives.

7. Registration

Certain features of our Services require automatic account creation. Your email address will serve as your username, with logins requiring a one-time password or email verification. You may not use an email address representing someone else. 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 and must notify us immediately at contact@allianceriskpartners.com of any unauthorized use.

8. Use of Our Services

Our Services and their underlying processes, content, and data are for commercial use only. You may not copy, reproduce, sell, distribute, or otherwise use our Services or their content without express written permission from Alliance Risk. Your access to our Services is non-transferable. We may suspend or discontinue Services at our discretion without prior notice.

9. Prohibited Activities

You are responsible for any communication you send to or through Alliance Risk’ Website or via email, short message service, text, voice calls, Facebook, X (formerly “Twitter”), Google Review, or similar services. You affirm that all transmissions to Alliance Risk are truthful, accurate, non-misleading, made in good faith, and that you have the authority to transmit such information. By using this Website, you agree to refrain from engaging in activities deemed prohibited by us at our discretion. These prohibited activities include, but are not limited to:

Criminal or tortious conduct, such as (i) fraud or misrepresentation, (ii) harassment (including verbal harassment), (iii) infringement or misappropriation of intellectual property, (iv) slander, libel, defamation, or use of obscene, pornographic, vulgar, or offensive content, (v) promoting discrimination, bigotry, racism, hatred, harassment, violence, or harm against any individual or group, and (vi) content that advocates illegal or harmful activities or substances;
Advertising or soliciting any user to buy or sell products or services;
Attempting to impersonate or impersonating another user or entity;
Using false contact details or unauthorized use of another’s contact information;
Attempting to access or search our Services or engaging in automated use, such as using scripts, spiders, crawlers, data mining tools, or similar methods to collect data, send messages, post on forums, or request information;
Attempting to probe, scan, or test the vulnerability of any Alliance Risk 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 our Services, our computer systems, or the technical delivery systems of our providers;
Avoiding, bypassing, removing, deactivating, impairing, or circumventing any technological measures implemented to protect the Services;
Using meta tags or other hidden text that includes our trademarks, logos, URLs, or product names without our express written consent;
Using information from our Services for any unauthorized purpose;
Using the Services for commercial purposes or for the benefit of third parties in a manner not permitted by these Terms of Service;
Sending altered, deceptive, or false source-identifying information;
Attempting to decipher, decompile, disassemble, or reverse-engineer any software used to provide the Services;
Interfering with the access of any user, host, or network, including sending viruses, overloading, flooding, or spamming the Services;
Collecting or storing personal information from other users without their consent;
Using our Services in violation of applicable laws and regulations;
Encouraging or enabling others to engage in any of the foregoing activities.

10. Monitoring of Services

We reserve the right, but have no obligation, to monitor our Services for violations of these Terms of Service, take appropriate legal action against violators, restrict or deny access to any user, remove content, or otherwise manage the Services to protect our rights and property, as well as those of our customers.

11. Termination of Your Account or Use of Our Services

We may restrict, suspend, or terminate your use of or access to our Services if you violate these Terms of Service, at our sole discretion and as permitted by law. We may also modify or restrict access to any part of our Services without prior notice, as permitted by law.
Your policy may be canceled or non-renewed according to state regulations, including termination for a single claim or loss where applicable.

12. Content

Alliance Risk makes no representations or warranties regarding the suitability of the content on its Website for any purpose. All content is provided on an “as is” and “as available” basis without any warranties. Please refer to your policy documents for specific insurance terms.

13. Disclaimers and Limitations on Liability

Alliance Risk provides no warranties regarding the content of its Services. WE DISCLAIM ANY IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE. Your use of our Services is at your own risk. It is your responsibility to verify the accuracy and completeness of any Services. We do not guarantee that content available for download is free from viruses or other damaging components. We make no representations regarding quotes or offers through our Services and disclaim all liability for content, products, or services provided by third parties.
Our Services may not be appropriate or available outside of the United States. If you access or use our Services from other jurisdictions, you do so at your own risk and must comply with local laws.
Alliance Risk is not liable for any damages or losses arising from or related to the use of its Services. We are not liable for any special, indirect, or consequential damages, including loss of use, data, or profits.

14. Representations and Disclaimers Related to Products or Services

Alliance Risk makes no warranties regarding quotes, terms, rates, coverage, or services offered by insurers or third parties through our Services. We believe the content provided is accurate, but inaccuracies may occur. Content is intended to assist with insurance decisions and may not reflect necessary coverage. Coverage recommendations are based on information you provide and may not cover all potential needs. Verification of information and advice from qualified professionals is recommended.

15. 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 Alliance Risk to obtain credit reports from a reporting agency and review them as needed. If adverse action is taken based on your report, you will be notified and provided with a summary of your rights.
If applying for workers’ compensation insurance, you authorize the National Council on Compensation Insurance (NCCI) to release your risk history report to Alliance Risk for underwriting purposes.
If any of these representations are not true, you are not authorized to use our Services.

16. Indemnification and Hold Harmless

By using our Services, you agree to indemnify, defend, and hold harmless Alliance Risk from any claims, costs, fines, or damages related to your use of our Services.

17. 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 the premiums or commissions we may receive. You are not obligated to purchase insurance to use our services.
Billing scenarios include:
Handling of premiums by Alliance Risk.
Direct payment of premiums to the insurance carrier.
Payment of premiums to a third-party broker or agent.
Payment of a flat fee for our services.
Premiums are earned upon binding the insurance policy and will be communicated in advance. Flat fees are charged at the start of services.

18. Financial Decisions

Our Services provide access to information and third-party providers but do not endorse or guarantee these providers’ qualifications. You are responsible for investigating and evaluating these providers. Consult financial advisors or insurance agents before making decisions. We are not liable for any products or services obtained through our Services and do not guarantee all users will receive quotes or offers. We may receive fees or commissions from insurers or other third parties. You are responsible for any fees or costs associated with services or products obtained through our Services.

19. Intellectual Property Rights

The names, graphics, and logos associated with our Services, including service marks, icons, page headers, page layouts, scripts, and unique terminology, are our trademarks and trade dress (collectively, “Proprietary Marks”) in the United States and other countries. You may not use our Proprietary Marks without our explicit written consent. Alliance Risk makes no proprietary claim to any third-party names, trademarks, or service marks appearing on our Services, as the rights to these names, trademarks, or service marks belong to their respective owners. Any information, advice, data, software, or other content, which may be contained in or downloaded from our Services (collectively, “Content”), including, but not limited to, all text, graphics, charts, images, videos, line art, icons, and renditions, are copyrighted by, or otherwise licensed to, us or our Content suppliers. We also hold copyrights to a collective work in the selection, coordination, arrangement, organization, navigation, presentation, display, and selective alteration of the Content (“Collective Work”). All software used in providing or supporting our Services (“Software”) is our property or that of our software vendors and is protected by U.S. and international copyright laws. Access to or use of the Content, Collective Work, or Software does not waive any of our rights or grant you or any third party any ownership or intellectual property rights. By using the Services, you grant us a non-exclusive, limited license to use your Proprietary Marks in connection with the Services; all use of your Proprietary Marks must adhere to your reasonable policies regarding advertising and usage as established from time to time. You are solely responsible for any damages arising from infringement of our or any third party’s intellectual property rights related to Proprietary Marks, Content, Collective Work, Software, or third-party names, trademarks, or service marks. You are liable for any harm to us or our affiliates resulting directly or indirectly from copying, distributing, redistributing, publishing, or using such materials in violation of these Terms of Service.

20. No Third Party Beneficiaries

The Terms of Service are solely between you and Alliance Risk, and no provision in the Terms of Service grants any implied or express rights to third parties. The Terms of Service do not authorize you to bind Alliance Risk in any manner.

21. Assignment

You may not transfer, assign, or license your rights under the Terms of Service without our prior express written consent.

22. 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 for any feature, product, or service is void where prohibited by law. Our Services Are Not Intended for Minors. Our Services are not directed at minors, defined as persons under 18 years old. If you are under 18, please do not attempt to access our Services. We do not knowingly contact or collect personal information from individuals under 18, and such individuals should not provide us with any information.

23. Governing Law and Jurisdiction

You agree that the Terms of Service (including the incorporated Privacy Policy and Cookies 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.

24. Arbitration Agreement and Waiver of Class Remedies

(a) Arbitration Agreement. Any dispute arising out of or related to the Terms of Service shall be resolved through binding arbitration, following efforts by the parties to settle such disputes. 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, consistent with the Governing Law and Jurisdiction clause. The parties understand they may otherwise have the right to sue in court and the right to a jury trial. Arbitration may be more cost-effective but could exceed the cost of civil litigation, and may limit discovery.

(b) Waiver of Class Remedies. Any arbitration will proceed on an individual basis only, and not as part of a class action or representative action. If any court or arbitrator deems this waiver void or unenforceable, or allows arbitration on a class basis, the arbitration provision will be null and void, and the parties will be deemed not to have agreed to arbitration.

(c) Exception: Small Claims Court. Notwithstanding the arbitration agreement, relief may also be sought in a small claims court for disputes within that court’s jurisdiction, subject to the Governing Law and Jurisdiction clause.

25. No Oral Modification

The Terms of Service may not be altered through oral agreements or statements. Employees, partners, or third-party affiliates of Alliance Risk are not authorized to modify the Terms of Service except as stated herein. Any employee claiming to modify the Terms of Service does not act with proper authority to bind Alliance Risk.

26. Communications with Alliance Risk

When using our Services, you may communicate with us by providing feedback, comments, questions, or proposals. Submitting information does not obligate Alliance Risk to provide compensation. If you provide contact information as part of a request for a quote or service from a third-party vendor, you consent to us using this information per the Terms of Service and Privacy Policy. You consent to receive communications from us, including calls, emails, texts, or mailers, related to these goods and services, even if your phone number is on a “do not call” list.

27. Severability

If any provision of the Terms of Service is deemed unenforceable, invalid, or ambiguous, such provision will be limited or removed as necessary, and the remaining provisions will continue in full force.

28. Non-Waiver

Failure to exercise any rights granted under the Terms of Service does not constitute a waiver of those rights.

29. 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, wrecks, epidemics, quarantines, fires, floods, earthquakes, explosions, unforeseen changes in circumstances, or other causes beyond reasonable control.

30. Entire Agreement

The Terms of Service, along 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.

31. Notification of Changes

Alliance Risk may amend the Terms of Service at its discretion. Material changes will be posted on our Website with a notice of the changes at least thirty (30) days prior to the effective date. If we make significant changes, you may cancel your account by contacting us before the effective date. If you cancel within this period, you will not be bound by the updated Terms of Service.

32. Notice

For notices related to the Terms of Service, you consent to receive communications via posting on our Website, email, or postal address you provided. Such communications satisfy any legal writing requirements.

33. Contact Alliance Risk

For questions about the Terms of Service or to notify us regarding your use of our Services, contact Alliance Risk by email at support@joinalliancerisk.com.