JMP Insurance Services LLC - Insurance For Tomorrow
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JMP Insurance Services LLC -
Insurance For Tomorrow
Report a Claim

Terms of Service

  • Last Updated: November 4, 2025
1. Agreement to Terms
  • Welcome to JMP Insurance Services LLC ("JMP Insurance," "we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our website, services, and any related products or features we offer (collectively, the "Services").
  • BY ACCESSING OR USING OUR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS. If you do not agree to these Terms, you may not access or use our Services.
  • We reserve the right to modify these Terms at any time. Your continued use of the Services after changes are posted constitutes your acceptance of the modified Terms.
2. Description of Services
JMP Insurance Services LLC is a licensed insurance agency that provides insurance brokerage and related services, including:
  • Obtaining and comparing insurance quotes from multiple carriers
  • Facilitating insurance applications and policy placement
  • Policy management and administration support
  • Customer service and account management
  • Claims assistance and advocacy
  • Risk assessment and insurance consultation
  • Educational resources and information about insurance products
  • WE ARE AN INDEPENDENT INSURANCE AGENCY, NOT AN INSURANCE COMPANY. We act as an intermediary between you and insurance carriers. We do not underwrite insurance policies, and we do not guarantee that any insurance carrier will accept your application or offer coverage.
  • Insurance policies are issued by licensed insurance carriers, and coverage is subject to the terms, conditions, and exclusions of the policy issued by the carrier.
  • JMP Insurance Services LLC is licensed to sell insurance in [list states]. We represent multiple insurance carriers and strive to provide you with competitive options for your insurance needs.
3. Eligibility and User Requirements
We may share your personal information in the following circumstances:
  • You must be at least 18 years of age to use our Services. By using our Services, you represent and warrant that you are 18 years or older and have the legal capacity to enter into binding contracts.
  • You agree to provide accurate, current, and complete information when:
  • Requesting quotes or proposals
  • Submitting insurance applications
  • Creating an account
  • Communicating with us
  • You are responsible for maintaining and updating your information to ensure accuracy.
  • If you are acting on behalf of another person or entity, you represent and warrant that you have the authority to bind that person or entity to these Terms and to any insurance applications or agreements.
4. User Accounts
  • You may be required to create an account to access certain features of our Services. When creating an account, you agree to:
  • Provide accurate and complete registration information
  • Maintain the security and confidentiality of your password
  • Promptly update your account information if it changes
  • Immediately notify us of any unauthorized access or security breach
  • You are solely responsible for all activities that occur under your account. We are not liable for any loss or damage arising from:
  • Unauthorized use of your account
  • Your failure to maintain account security
  • Your failure to notify us of security breaches
  • We reserve the right to suspend or terminate your account at any time for any reason, including if we believe you have violated these Terms. You may terminate your account by contacting us using the information in Section 17.
  • Termination of your account does not affect any insurance policies you have purchased through us, which remain subject to the terms and conditions of the policy issued by the carrier.
5. Insurance Quotes and Applications
  • When you request an insurance quote through our Services:
  • You authorize us to obtain quotes from insurance carriers on your behalf
  • You authorize us to submit your information to carriers and their agents
  • You understand that quotes are estimates based on the information provided
  • You acknowledge that final premiums may differ from initial quotes
  • INSURANCE QUOTES ARE ESTIMATES ONLY AND ARE NOT GUARANTEES OF COVERAGE OR FINAL PRICING. Quotes are based on the information you provide and are subject to:
  • Verification of information by the insurance carrier
  • Underwriting review and approval
  • Changes in rating factors or carrier guidelines
  • Additional information requirements
  • We make reasonable efforts to provide accurate quotes, but we are not responsible for:
  • Errors in quotes provided by carriers
  • Changes in pricing between quote and policy issuance
  • Carrier underwriting decisions
  • When you submit an insurance application through our Services:
  • You represent that all information provided is true, accurate, and complete
  • You understand that false, misleading, or incomplete information may result in:
  • Application denial
  • Policy cancellation or rescission
  • Claim denial
  • Potential fraud investigation
  • You authorize us to obtain additional information needed for underwriting, including:
  • Credit reports and credit scores
  • Motor vehicle records and driving history
  • Claims history (CLUE reports)
  • Medical records (for health and life insurance)
  • Property inspection reports
  • Public records
  • WE DO NOT GUARANTEE THAT ANY INSURANCE CARRIER WILL ACCEPT YOUR APPLICATION OR OFFER COVERAGE. Insurance carriers make independent underwriting decisions based on their own criteria, guidelines, and risk assessment.
  • Factors that may affect coverage availability include:
  • Credit history
  • Driving record
  • Claims history
  • Property condition
  • Health status
  • Occupation
  • Location
  • Other underwriting factors
  • Coverage does not become effective until:
  • Your application is approved by the insurance carrier
  • Payment is received (if required)
  • A policy is issued or binding confirmation is provided
  • The effective date stated in the policy documents
  • REQUESTING A QUOTE OR SUBMITTING AN APPLICATION DOES NOT CREATE INSURANCE COVERAGE. Until coverage is bound, you remain responsible for maintaining any existing insurance or accepting the risk of being uninsured.
6. Use of Website and Services
  • You agree to use our Services only for lawful purposes and in accordance with these Terms. Permitted uses include:
  • Obtaining insurance quotes and information
  • Applying for insurance coverage
  • Managing your insurance policies
  • Accessing customer support
  • Receiving communications about your policies and our services
  • You agree NOT to:
  • Unlawful Activities:
  • Violate any applicable federal, state, or local laws or regulations
  • Infringe upon the intellectual property rights of others
  • Engage in fraudulent activities or misrepresentation
  • Provide false or misleading information on applications or communications
  • System Interference:
  • Attempt to gain unauthorized access to our systems, networks, or data
  • Use any automated system, robot, spider, or scraper to access our Services without permission
  • Introduce viruses, malware, or other harmful code
  • Interfere with or disrupt the integrity or performance of our Services
  • Attempt to probe, scan, or test the vulnerability of our systems
  • Misuse of Services:
  • Use our Services to harass, abuse, or harm others
  • Impersonate any person or entity or falsely represent your affiliation
  • Collect or harvest personal information about other users
  • Use our Services for any unauthorized commercial purpose
  • Transmit spam, chain letters, or unsolicited communications
  • Content Violations:
  • Post or transmit any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable
  • Post or transmit any content that violates the rights of others
  • Violation of these prohibitions may result in:
  • Immediate termination of your access to our Services
  • Legal action and referral to law enforcement
  • Liability for damages
  • Denial of insurance coverage or services
7. Intellectual Property Rights
  • All content and materials on our website and Services, including but not limited to:
  • Text, graphics, logos, images, photographs
  • Software, code, and functionality
  • Trademarks, service marks, and trade names
  • Audio, video, and other multimedia content
  • Design, layout, and user interface
  • are owned by JMP Insurance Services LLC or our licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
  • We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for personal, non-commercial purposes in accordance with these Terms. This license does not include:
  • Reproduction, distribution, or public display of content
  • Modification or creation of derivative works
  • Commercial use without our express written permission
  • Removal of copyright or proprietary notices
  • Transfer or sublicense to any third party
  • You may not:
  • Copy, reproduce, or download substantial portions of our content
  • Use our content for commercial purposes without authorization
  • Create derivative works based on our content
  • Reverse engineer or decompile our software
  • Use our trademarks, logos, or branding without permission
  • Frame or mirror our website on another site
  • If you provide us with feedback, suggestions, ideas, or other submissions, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate such submissions into our Services without compensation or attribution.
8. Payment Terms
  • Insurance premiums are determined by the insurance carrier and are specified in your policy documents. Payment terms, methods, and schedules are governed by your insurance policy.
  • Premium payments may be made:
  • Directly to the insurance carrier
  • Through our agency as authorized by the carrier
  • Through third-party payment processors
  • Commission Disclosure: We receive commissions from insurance carriers for policies placed through our agency. Commission rates vary by carrier, product, and policy type. Commissions do not increase the cost of your insurance; they are paid by the carrier from the premiums you pay.
  • Agency Fees: We may charge separate fees for certain services. Any such fees will be clearly disclosed to you in writing before services are rendered. You will have the opportunity to decline services for which additional fees apply.
  • When you make payments through our Services:
  • Payments are processed by third-party payment processors
  • You authorize us to charge the payment method you provide
  • You represent that you have authority to use the payment method
  • Payment information is subject to verification
  • We are not responsible for errors or issues arising from your payment method or payment processor.
  • Late or missed premium payments may result in:
  • Policy cancellation by the carrier
  • Loss of coverage
  • Lapses in coverage that affect future insurability and rates
  • Collection actions by the carrier or premium finance company
  • Policy payment terms and cancellation procedures are governed by your insurance policy and applicable state laws.
  • Refund policies for insurance premiums are determined by:
  • The terms and conditions of your insurance policy
  • The insurance carrier's refund policies
  • Applicable state insurance laws and regulations
  • We do not control carrier refund policies. If you are entitled to a refund, it will be processed in accordance with the carrier's procedures.
9. Claims Assistance
  • We provide claims assistance as a service to our clients, which may include:
  • Helping you report a claim to the insurance carrier
  • Providing guidance on the claims process
  • Facilitating communication with the carrier and adjuster
  • Advocating on your behalf with the carrier
  • WE DO NOT CONTROL THE CLAIMS PROCESS OR DECISIONS. All claims are handled, investigated, adjusted, and decided by the insurance carrier in accordance with:
  • The terms and conditions of your insurance policy
  • Applicable state insurance laws and regulations
  • The carrier's claims handling procedures
  • We cannot guarantee:
  • Claim approval or payment
  • The amount of any claim settlement
  • The timeframe for claim resolution
  • If you have a dispute with the insurance carrier regarding a claim, you may have rights under your policy and state law, including:
  • Internal appeals with the carrier
  • Appraisal or mediation processes
  • Filing a complaint with your state insurance department
  • Legal action against the carrier
  • We can provide information about these processes but cannot provide legal advice. You should consult with an attorney for legal guidance regarding claim disputes.
10. Disclaimers and Limitations of Liability
  • OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
  • To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:
  • Implied Warranties:
  • Merchantability
  • Fitness for a particular purpose
  • Non-infringement
  • Accuracy, reliability, or completeness of information
  • Service Availability:
  • Uninterrupted or error-free access to our Services
  • Correction of defects or errors
  • Freedom from viruses or harmful components
  • Compatibility with your devices or systems
  • THE INFORMATION PROVIDED THROUGH OUR SERVICES IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE:
  • Legal advice
  • Financial advice
  • Tax advice
  • Professional consulting or counseling
  • You should consult with appropriate professionals (attorneys, accountants, financial advisors) regarding your specific circumstances.
  • We may provide links to third-party websites, services, or content. We do not control and are not responsible for:
  • The accuracy, legality, or content of third-party sites
  • Third-party privacy practices or terms of service
  • Products or services offered by third parties
  • Your interactions with third parties
  • Your use of third-party sites and services is at your own risk and subject to their terms and policies.
  • TO THE FULLEST EXTENT PERMITTED BY LAW, JMP INSURANCE SERVICES LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO:
  • Loss of profits, revenue, or business opportunities
  • Loss of data or information
  • Business interruption
  • Loss of goodwill or reputation
  • Coverage denials or claim disputes with insurance carriers
  • Errors, omissions, or inaccuracies in quotes or applications
  • Delays in processing applications or obtaining coverage
  • Policy cancellations or non-renewals by carriers
  • Gaps or lapses in insurance coverage
  • Damages arising from unauthorized access to your account
  • OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING FROM YOUR USE OF OUR SERVICES SHALL NOT EXCEED THE GREATER OF:
  • The amount of commissions we received for the policy or service in question, or
  • One thousand dollars ($1,000)
  • Some states do not allow the exclusion or limitation of certain warranties or liabilities. In such states, our liability will be limited to the greatest extent permitted by law.
  • The limitations in this section do not apply to liability that cannot be excluded or limited under applicable law, such as liability for:
  • Fraud or fraudulent misrepresentation
  • Death or personal injury caused by our negligence
  • Violations of consumer protection laws
  • Other liabilities that cannot be waived under applicable law
11. Indemnification
  • You agree to indemnify, defend, and hold harmless JMP Insurance Services LLC, its parent, subsidiaries, affiliates, officers, directors, employees, agents, licensors, and service providers from and against any and all claims, liabilities, damages, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising from or related to:
  • Your use or misuse of our Services
  • Your violation of these Terms
  • Your violation of any applicable laws or regulations
  • Your violation of any rights of any third party
  • Inaccurate, false, or misleading information you provide
  • Your negligence or willful misconduct
  • Any insurance application, policy, or claim related to your use of our Services
  • We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claims.
12. Insurance Policy Terms and Carrier Relationship
  • THESE TERMS GOVERN YOUR RELATIONSHIP WITH JMP INSURANCE SERVICES LLC. YOUR INSURANCE COVERAGE IS GOVERNED BY THE TERMS, CONDITIONS, EXCLUSIONS, AND LIMITATIONS OF THE INSURANCE POLICY ISSUED BY THE CARRIER.
  • In the event of any conflict between these Terms and your insurance policy:
  • The insurance policy controls with respect to coverage matters
  • These Terms control with respect to your use of our Services
  • Insurance carriers are independent third parties. We do not control and are not responsible for:
  • Carrier underwriting decisions or guidelines
  • Policy terms, conditions, or exclusions
  • Premium rates or rate changes
  • Policy cancellations or non-renewals
  • Claims handling, decisions, or settlements
  • Carrier financial strength or solvency
  • Carrier customer service or responsiveness
  • YOU ARE RESPONSIBLE FOR REVIEWING YOUR INSURANCE POLICY DOCUMENTS CAREFULLY. When you receive your policy:
  • Review all terms, conditions, exclusions, and limitations
  • Verify that coverage meets your needs and expectations
  • Check that all information is accurate
  • Contact us immediately if you have questions or concerns
  • Contact us immediately if you identify any errors or discrepancies
  • Most insurance policies have a "free look" period during which you can cancel for a full refund if you are not satisfied.
13. Dispute Resolution and Arbitration
  • These Terms are governed by and construed in accordance with the laws of the State of [Insert State], without regard to its conflict of law provisions.
  • Your insurance policy is governed by the laws of the state where the policy is issued or where you reside, as specified in the policy.
  • PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
  • Agreement to Arbitrate: You and JMP Insurance agree that any dispute, claim, or controversy arising out of or relating to these Terms, your use of our Services, or your relationship with us (collectively, "Disputes") will be resolved through binding arbitration rather than in court, except as provided below.
  • Arbitration Procedures: Arbitration will be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will be held in [Insert County, State] or another mutually agreeable location. You may participate by phone or video conference.
  • Arbitration Costs: Each party will be responsible for their own attorneys' fees and costs, unless the arbitrator awards fees and costs to the prevailing party. JMP Insurance will pay all AAA filing, administration, and arbitrator fees for claims under $75,000, unless the arbitrator determines your claims are frivolous.
  • Arbitrator Authority: The arbitrator has exclusive authority to resolve all Disputes, including but not limited to interpretation of this arbitration provision, arbitrability of claims, and the scope of claims that may be arbitrated.
  • The arbitrator may award any relief that would be available in court, including declaratory, injunctive, or monetary relief, on an individual basis.
  • Arbitration Award: The arbitrator's decision will be final and binding. Judgment on the award may be entered in any court of competent jurisdiction.
  • Either party may bring a lawsuit in court instead of arbitration for:
  • Claims in small claims court, if they qualify
  • Claims seeking injunctive or equitable relief to protect intellectual property rights
  • Claims to enforce or challenge the validity of this arbitration provision
  • YOU AND JMP INSURANCE AGREE THAT DISPUTES WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE ACTION.
  • Neither you nor JMP Insurance may participate as a class member in any class action or representative proceeding. The arbitrator may not consolidate or join the claims of multiple parties.
  • If this class action waiver is found to be invalid or unenforceable, the entire arbitration provision will be null and void, and any Dispute will be resolved in court.
  • You have the right to opt-out of this arbitration provision by sending written notice to us within 30 days of first accepting these Terms. Your notice must include:
  • Your name and contact information
  • A clear statement that you wish to opt-out of arbitration
  • Send your opt-out notice to: JMP Insurance Services LLC Attn: Legal Department - Arbitration Opt-Out [Insert Mailing Address]
  • If you opt-out, you and JMP Insurance may resolve Disputes only in court, and Sections 13.2-13.4 will not apply to you.
  • If arbitration does not apply (because you opted out, the arbitration provision is found invalid, or an exception applies), you agree that any legal action or proceeding will be brought exclusively in the state or federal courts located in [Insert County and State], and you consent to the personal jurisdiction of these courts.
  • You must bring any claim arising from these Terms or our Services within one (1) year after the claim arises, or the claim will be permanently barred.
14. Electronic Communications and Signatures
  • By using our Services, you consent to receive communications from us electronically, including:
  • Email messages
  • Text messages (SMS) to mobile phones you provide
  • Push notifications through our mobile app
  • Notices and disclosures posted on our website or through our Services
  • Electronic policy documents and related materials
  • You agree that all electronic communications satisfy any legal requirement that communications be in writing.
  • You agree that your electronic signature on documents submitted through our Services has the same legal effect as a handwritten signature.
  • You may withdraw your consent to receive electronic communications by contacting us. However, withdrawal may limit your ability to use certain features of our Services.
  • If you withdraw consent, we may:
  • Send communications by postal mail instead
  • Charge fees for paper delivery (if permitted by law)
  • Terminate your account or access to certain Services
  • You are responsible for providing us with accurate email addresses, mobile phone numbers, and other contact information, and for updating this information promptly when it changes.
  • We are not responsible for any consequences if you fail to receive electronic communications due to inaccurate or outdated contact information.
15. Termination
  • You may stop using our Services at any time. To close your account, contact us using the information in Section 17.
  • We reserve the right to suspend or terminate your access to our Services at any time, with or without notice, for any reason, including if we believe you have:
  • Violated these Terms
  • Provided false or misleading information
  • Engaged in fraudulent or illegal activities
  • Created security risks for us or others
  • Exposed us to potential legal liability
  • Otherwise acted in a manner inconsistent with the spirit of these Terms
  • Upon termination:
  • Your right to access and use our Services immediately ceases
  • We may delete your account and any content associated with it
  • You remain responsible for any outstanding obligations
  • Provisions of these Terms that by their nature should survive will continue to apply
  • Termination of your relationship with JMP Insurance Services LLC does not affect any insurance policies you have purchased through us. Your insurance policies remain in effect according to their terms and conditions, and you remain obligated to pay premiums as required by the policy.
  • You may be able to manage your policies directly with the insurance carrier after termination. Contact the carrier for information about policy servicing options.
16. General Provisions
  • These Terms, together with our Privacy Policy and any other policies or agreements referenced herein or presented to you when using specific Services, constitute the entire agreement between you and JMP Insurance Services LLC regarding your use of our Services.
  • We reserve the right to modify these Terms at any time. We will notify you of material changes by:
  • Posting the updated Terms on our website
  • Updating the "Last Updated" date at the top
  • Sending you an email notification (if you have provided your email address)
  • Providing notice through our Services
  • Material changes will be effective upon posting or as otherwise specified in the notice. Your continued use of our Services after changes are posted constitutes acceptance of the modified Terms.
  • For non-material changes, your continued use constitutes acceptance.
  • Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it in the future.
  • Any waiver must be in writing and signed by an authorized representative of JMP Insurance Services LLC.
  • If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable while preserving the intent of the provision.
  • You may not assign or transfer these Terms or your rights and obligations under them without our prior written consent. We may assign these Terms or any of our rights and obligations without your consent in connection with:
  • A merger, acquisition, or sale of assets
  • A change of control
  • Operation of law
  • We are not liable for any failure or delay in performance caused by circumstances beyond our reasonable control, including:
  • Natural disasters
  • Acts of war or terrorism
  • Acts of waaGovernment actions or regulationsr or terrorism
  • Labor disputes or strikes
  • Utility or telecommunications failures
  • Pandemics or public health emergencies
  • Other events of force majeure
  • Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between you and JMP Insurance Services LLC. You do not have authority to bind us or make commitments on our behalf.
  • These Terms do not create any third-party beneficiary rights except as expressly stated. Insurance carriers are not third-party beneficiaries of these Terms.
  • Section headings are for convenience only and do not affect the interpretation of these Terms.
  • These Terms are written in English. If we provide a translation for convenience, the English version controls in case of any conflict.
  • Notices to you may be provided by:
  • Email to the address you provide
  • Posting on our website
  • Mail to your address on file
  • Push notifications or in-app messages
  • Notices to us must be sent to the address in Section 17.
17. Contact Information
  • JMP Insurance Services LLC
  • Customer Service Department
  • Email: support@jmpinsurance.com
  • Phone: [Insert Phone Number]
  • Mailing Address: [Insert Street Address] [Insert City, State ZIP Code]
  • Website: [Insert Website URL]
  • Hours of Operation: [Insert Business Hours]
  • For insurance-specific questions or policy servicing, please have your policy number available when contacting us.
18. Acknowledgment
  • You have read and understood these Terms of Service
  • You agree to be bound by these Terms
  • You understand that we are an insurance agency, not an insurance company
  • Your insurance coverage is governed by your policy, not these Terms
  • You have had the opportunity to ask questions and seek independent advice
  • You understand the arbitration and class action waiver provisions
  • You consent to electronic communications and signatures
  • © 2025 JMP Insurance Services LLC. All rights reserved.
  • These Terms of Service are provided as a general template and should be reviewed and customized by qualified legal counsel to ensure compliance with all applicable federal, state, and local laws and regulations, including state insurance licensing laws. This document does not constitute legal advice.

jpanos@twfg.com

JMP Insurance Services LLC
851 N San Mateo Drive, Suite E
San Mateo, CA 94401

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650-757-1600

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