Terms and Conditions

Effective Date: September 1, 2026

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Welcome to the website of Ovest Insurance Partners (“Ovest,” “we,” “our,” or “us”). These Terms & Conditions govern your access to and use of our website, online forms, electronic communications, and related online services.

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By accessing or using this website, you agree to these Terms & Conditions. If you do not agree with these Terms & Conditions, please discontinue use of the website.

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1. Insurance Services

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Ovest Insurance Partners is an independent insurance agency that assists individuals and businesses with obtaining insurance quotations, placing insurance coverage, and servicing insurance policies.

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Insurance products are offered through third-party insurance companies, managing general agents, wholesalers, brokers, and other insurance markets.

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The availability, eligibility, pricing, terms, conditions, exclusions, deductibles, and limits of any insurance product are determined by the applicable insurance carrier and are subject to underwriting approval.

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2. No Coverage Is Bound Through This Website

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Submitting information through this website, requesting an insurance quote, completing an online form, sending an email, leaving a voicemail, submitting payment information, or otherwise communicating with Ovest Insurance Partners does not create, bind, modify, extend, or renew insurance coverage.

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Insurance coverage is effective only when it has been formally bound by an authorized insurance carrier or representative and confirmation of coverage has been provided.

You should not assume that insurance coverage is in effect until you receive confirmation that coverage has been bound.

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Unless expressly approved by the applicable insurance carrier, insurance coverage cannot be backdated.

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3. Insurance Quotes and Proposals

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Any insurance quote, indication, estimate, proposal, or premium amount provided by Ovest Insurance Partners is subject to underwriting review and carrier approval.

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Insurance premiums, fees, taxes, coverage terms, deductibles, conditions, and eligibility requirements may change before coverage is bound.

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Quotes may also change if information provided during the application process is incomplete, inaccurate, outdated, or materially different from information subsequently discovered by the carrier or agency.

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A quote does not constitute a guarantee that coverage will be issued.

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4. Policy Documents Control

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Insurance proposals, summaries, emails, website content, certificates, explanations, and other communications provided by Ovest Insurance Partners are intended to assist customers in understanding available insurance options.

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They are not substitutes for the actual insurance policy.

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The insurance policy, declarations, endorsements, exclusions, conditions, applications, and other documents issued or approved by the insurance carrier constitute the controlling terms of coverage.

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If there is any conflict between information provided by Ovest Insurance Partners and the insurance policy issued by the carrier, the terms of the insurance policy will control.

Customers are responsible for reviewing their insurance policies and notifying Ovest Insurance Partners promptly if they believe any information is inaccurate or if coverage does not reflect their requested insurance needs.

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5. Accuracy of Information

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Insurance underwriting depends upon accurate and complete information.

By providing information to Ovest Insurance Partners, you represent that the information you provide is accurate and complete to the best of your knowledge.

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You agree to notify us promptly if information previously provided becomes inaccurate or changes materially.

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Failure to disclose relevant information may result in changes to premium, coverage restrictions, cancellation, nonrenewal, rescission, denial of a claim, or other action by the applicable insurance carrier.

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6. Changes in Your Operations or Exposure

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Insurance needs may change when circumstances change.

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Customers should notify Ovest Insurance Partners of material changes that may affect their insurance coverage, including changes involving business operations, ownership, locations, vehicles, employees, payroll, revenue, construction, property values, subcontracting, equipment, products, services, or other insured exposures.

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Ovest Insurance Partners cannot be responsible for exposures or changes that have not been communicated to the agency.

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Notification of a change does not automatically modify an insurance policy. Any requested change remains subject to carrier approval and confirmation.

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7. Certificates of Insurance

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Certificates of Insurance are issued for informational purposes and provide evidence of insurance coverage in effect as of the date the certificate is issued.

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A Certificate of Insurance does not amend, extend, or alter coverage provided by an insurance policy.

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Requests for Additional Insured status, Waiver of Subrogation, Primary and Noncontributory coverage, or other contractual insurance requirements are subject to the actual insurance policy and applicable carrier endorsements.

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A certificate cannot provide coverage that does not exist under the applicable insurance policy.

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8. Premium Payments

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Premium payments must be made in accordance with the requirements of the applicable insurance carrier, wholesaler, premium finance company, payment processor, or other authorized party.

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Submitting or authorizing payment does not necessarily mean coverage has been bound.

Coverage remains subject to underwriting approval and binding confirmation.

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Customers are responsible for complying with payment requirements and deadlines. Failure to make required payments may result in cancellation or nonrenewal of coverage.

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9. Premium Financing

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Ovest Insurance Partners may assist customers with obtaining premium financing through independent premium finance companies.

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Premium financing is subject to separate agreements between the customer and the premium finance company.

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Interest rates, finance charges, down payments, installment amounts, cancellation rights, late fees, and other financing terms are governed by the applicable premium finance agreement.

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Ovest Insurance Partners is not a lender unless expressly disclosed otherwise.

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10. Policy Cancellation and Minimum Earned Premium

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Certain insurance policies, particularly surplus lines or specialty insurance policies, may contain minimum earned premium provisions or other restrictions regarding cancellation.

If applicable, a portion of the premium may be nonrefundable even if the policy is cancelled before its scheduled expiration date.

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Customers are responsible for reviewing all minimum earned premium provisions, cancellation provisions, policy fees, taxes, finance charges, and other applicable terms.

Refund calculations are determined by the insurance carrier, wholesaler, premium finance company, and applicable policy provisions.

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11. Surplus Lines and Non-Admitted Insurance

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Certain insurance products offered through Ovest Insurance Partners may be placed with surplus lines or non-admitted insurance carriers.

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Surplus lines insurers are not licensed in the same manner as admitted insurers in the applicable state and may not be subject to the same rate or form requirements.

Surplus lines insurance may also not be protected by state insurance guaranty associations in the event of carrier insolvency.

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Applicable surplus lines disclosures will be provided as required by law.

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12. Third-Party Products and Services

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Ovest Insurance Partners may provide access to or information regarding services offered by third parties, including insurance companies, wholesalers, premium finance companies, payroll providers, employee benefits providers, cybersecurity providers, payment processors, and other professional or business service providers.

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Unless expressly stated otherwise, these services are provided independently by the third-party provider.

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Ovest Insurance Partners is not responsible for the acts, omissions, products, services, contractual obligations, or performance of independent third-party providers.

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13. Website Information

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We attempt to keep information on our website accurate and current. However, insurance laws, carrier appetites, underwriting requirements, pricing, and coverage availability may change.

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Website content is provided for general informational purposes and should not be interpreted as a guarantee of coverage, eligibility, pricing, or insurance availability.

Nothing on this website creates an insurance contract.

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14. Communication Consent

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By providing your telephone number or email address, you authorize Ovest Insurance Partners to contact you regarding your insurance inquiry, existing policies, requested services, account servicing, applications, quotations, renewals, and other related matters.

Communications may occur by telephone, email, or text message where permitted by law.

Providing contact information alone does not constitute consent to receive marketing text messages where separate consent is required by law.

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If you separately opt in to SMS communications, message and data rates may apply and message frequency may vary. You may reply STOP to opt out of SMS messages or HELP for assistance.

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Consent to receive marketing communications is not a condition of purchasing insurance.

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15. Electronic Communications and Signatures

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You agree that electronic communications, documents, disclosures, applications, notices, and signatures may have the same legal effect as paper communications and handwritten signatures where permitted by applicable law.

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Electronic signature services may be provided by third-party vendors.

You are responsible for reviewing documents before electronically signing them.

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16. Privacy

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Use of information collected through this website is governed by the Ovest Insurance Partners Privacy Policy.

By using this website or submitting information through our online services, you acknowledge that you have had an opportunity to review our Privacy Policy.

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17. Third-Party Websites

Our website may contain links to websites operated by insurance carriers, wholesalers, premium finance companies, vendors, government agencies, or other third parties.

Ovest Insurance Partners does not control these websites and is not responsible for their content, security, availability, or privacy practices.

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Accessing third-party websites is at your own discretion.

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18. Intellectual Property

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Unless otherwise indicated, the content of this website, including text, graphics, logos, branding, page designs, and original written materials, is owned by or licensed to Ovest Insurance Partners.

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Website content may not be copied, reproduced, distributed, modified, republished, or commercially exploited without prior written permission, except as permitted by applicable law.

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19. Prohibited Use

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You may not use this website to engage in unlawful activity, attempt unauthorized access to our systems, transmit malicious software, interfere with website operation, submit fraudulent insurance information, impersonate another person, or otherwise misuse our services.

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We reserve the right to restrict or terminate access to the website where misuse is suspected.

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20. Disclaimer of Warranties

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This website and its content are provided on an “as available” and “as is” basis to the extent permitted by law.

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Ovest Insurance Partners does not guarantee uninterrupted website availability or that website content will always be error-free, complete, or current.

Nothing contained on this website guarantees that an insurance carrier will offer, approve, renew, or maintain coverage.

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21. Limitation of Liability

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To the fullest extent permitted by applicable law, Ovest Insurance Partners will not be liable for indirect, incidental, consequential, special, or punitive damages arising from use of this website or reliance upon general information contained on the website.

Nothing in these Terms & Conditions is intended to waive or limit any duty or liability that cannot legally be waived or limited.

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22. Governing Law

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These Terms & Conditions are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where federal law or the law of another jurisdiction is required to apply.

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