Terms of Service

Last Updated: June 1, 2026

Welcome to Worth Insurance. These Terms of Service ("Terms") govern your access to and use of the websites, applications, quote forms, communication channels, and services operated by Worth Insurance, LLC and its affiliates ("Worth Insurance," "Worth," "we," "our," or "us").

By accessing or using our website, requesting insurance information, submitting a quote request, communicating with us, or otherwise using our services, you agree to be bound by these Terms. If you do not agree to these Terms, you should not use our website or services.

1. ELIGIBILITY

You represent and warrant that:

• You are at least 18 years of age.
• You have the legal capacity to enter into binding agreements.
• Any information you provide is true, accurate, current, and complete.
• You will promptly update any information that becomes inaccurate.

2. INSURANCE AGENCY DISCLOSURE

Worth Insurance is a licensed insurance agency and insurance broker.

Worth Insurance is not an insurance company, insurance carrier, underwriter, claims administrator, or guarantor of insurance coverage.

Insurance products offered through Worth Insurance are issued by independent third-party insurance carriers. Each insurance carrier is solely responsible for:

• Underwriting decisions;
• Policy issuance;
• Premium calculations;
• Coverage determinations;
• Claims handling and settlement;
• Policy administration;
• Policy cancellation;
• Policy non-renewal; and
• All obligations arising under the applicable insurance policy.

Nothing on this website constitutes:

• An offer to insure;
• A binder of coverage;
• A guarantee that insurance coverage will be available;
• Legal advice;
• Tax advice;
• Financial advice; or
• Professional advice of any kind.

3. QUOTES, COVERAGE, AND POLICY INFORMATION

Any quote, estimate, premium indication, rate comparison, coverage summary, savings estimate, or insurance recommendation provided by Worth Insurance is for informational purposes only.

Quotes and estimates:

• Are subject to carrier underwriting review;
• Are based upon information available at the time provided;
• May change without notice;
• Are not binding unless confirmed by the insurance carrier and all required conditions have been satisfied.

Premiums, coverages, deductibles, exclusions, endorsements, and policy terms may change after:

• Property inspection;
• Underwriting review;
• Verification of application information;
• Loss history review;
• Catastrophe modeling;
• Carrier guideline updates;
• Eligibility verification; or
• Other carrier-required reviews.

Actual coverage is governed exclusively by the terms, conditions, limitations, exclusions, endorsements, and declarations contained within the issued insurance policy.

If a conflict exists between information presented on this website and the terms of an insurance policy, the insurance policy controls.

4. CLAIMS REPORTING DISCLAIMER

Reporting a claim to Worth Insurance does not constitute notice to an insurance carrier unless and until the carrier confirms receipt in accordance with its reporting procedures.

Policyholders remain responsible for promptly reporting claims directly to the applicable insurance carrier when required by carrier guidelines or policy provisions.

Worth Insurance shall not be responsible for losses arising from delayed, unsuccessful, incomplete, or improperly submitted claims reports.

5. WEBSITE CONTENT

The information provided on this website is intended solely for general informational and educational purposes.

Although we strive to provide accurate and current information, we do not warrant or guarantee the accuracy, completeness, reliability, timeliness, or availability of any content published on this website.

Insurance laws, carrier guidelines, underwriting standards, pricing, and market conditions frequently change.

Users should not rely exclusively on website content when making insurance decisions.

6. USER SUBMISSIONS

You agree that all information submitted through our website, quote forms, applications, surveys, email communications, chat features, or other channels will be truthful, accurate, current, and complete.

You agree not to:

• Submit false or misleading information;
• Misrepresent property characteristics or conditions;
• Misrepresent loss history;
• Commit insurance fraud;
• Impersonate another individual;
• Violate applicable laws; or
• Interfere with the operation or security of the website.

Worth Insurance reserves the right to reject, suspend, or terminate access to users who violate these Terms.

7. COMMUNICATIONS CONSENT

By providing your email address, telephone number, mobile number, or other contact information, you expressly consent to receive communications from Worth Insurance and its representatives regarding:

• Insurance quotes;
• Policy servicing;
• Renewals;
• Claims assistance;
• Customer service matters;
• Marketing communications; and
• Other insurance-related services.

Communications may be delivered through:

• Telephone calls;
• Automated dialing systems where permitted by law;
• Text messages;
• Email;
• Voicemail;
• Artificial intelligence-assisted communication tools; and
• Other lawful communication methods.

Your consent is not a condition of purchasing insurance.

You may opt out of marketing communications at any time as described in our Privacy Policy.

8. CALL RECORDING, MONITORING, AND COMMUNICATION PROCESSING

To support quality assurance, training, compliance, security, fraud prevention, dispute resolution, verification of customer instructions, claims assistance, and customer service, Worth Insurance and its service providers may monitor, record, store, review, transcribe, analyze, and retain communications to the extent permitted by applicable law.

Communications that may be monitored, recorded, or processed include:

• Telephone calls;
• Video conferences;
• Online meetings;
• Text messages;
• Email communications;
• Online chat sessions; and
• Other electronic communications.

Certain communications may be processed using automated technologies, including artificial intelligence-powered transcription, summarization, note-taking, analytics, quality assurance, and workflow tools.

By communicating with Worth Insurance, you acknowledge and consent to such monitoring, recording, transcription, analysis, storage, and processing to the extent permitted by applicable law.

Recorded communications may be used for:

• Quality assurance and employee training;
• Regulatory compliance;
• Verification of customer requests and instructions;
• Fraud detection and prevention;
• Claims and coverage dispute resolution;
• Operational improvement;
• Customer service enhancement;
• Security monitoring; and
• Other lawful business purposes.

Recordings, transcripts, summaries, and related communication records may be retained for as long as reasonably necessary to fulfill legal, regulatory, compliance, contractual, operational, or business requirements.

If you do not consent to call recording or monitoring, you should discontinue the communication and contact Worth Insurance through another available method where legally permissible.

9. SMS TERMS

By providing a mobile telephone number, you consent to receive SMS or MMS messages from Worth Insurance.

Message frequency may vary.

Message and data rates may apply.

You may opt out of text messages at any time by replying STOP.

For assistance, reply HELP.

Opting out of marketing messages will not prevent us from sending transactional, policy-related, servicing, claims-related, or legally required communications permitted by applicable law.

10. ELECTRONIC COMMUNICATIONS AND E-SIGNATURES

You consent to receive disclosures, notices, records, and communications electronically.

You agree that electronic signatures, electronic records, and electronic communications satisfy any legal requirement that such communications be in writing.

Electronic signatures shall have the same legal force and effect as handwritten signatures under applicable federal and state law, including the Electronic Signatures in Global and National Commerce Act (ESIGN) and the Uniform Electronic Transactions Act (UETA).

11. THIRD-PARTY SERVICES

Our website and services may integrate with or link to third-party providers, including:

• Insurance carriers;
• Comparative rating systems;
• Payment processors;
• Customer relationship management systems;
• Electronic signature providers;
• Data verification providers;
• Inspection vendors;
• Communication platforms; and
• Other technology providers.

Worth Insurance is not responsible for the availability, content, practices, security, or performance of third-party services.

Your use of third-party services may be governed by separate terms and privacy policies.

12. INTELLECTUAL PROPERTY

All website content, including text, graphics, logos, designs, videos, images, software, articles, guides, marketing materials, and proprietary content, is owned by Worth Insurance or its licensors and is protected by applicable intellectual property laws.

You may not:

• Reproduce;
• Copy;
• Republish;
• Distribute;
• Modify;
• Reverse engineer;
• Scrape;
• Extract data from;
• Use automated bots on;
• Train artificial intelligence models on; or
• Commercially exploit

any website content without prior written consent from Worth Insurance.

13. COPYRIGHT INFRINGEMENT

If you believe content on this website infringes your copyright, please submit written notice containing:

• Identification of the copyrighted work;
• Identification of the allegedly infringing material;
• Your contact information;
• A statement of good-faith belief that the use is unauthorized; and
• A statement under penalty of perjury that the information provided is accurate.

Notices may be sent to:

Worth Insurance, LLC
5400 PGA Boulevard, Suite 200
Palm Beach Gardens, Florida 33418
Email: legal@worthinsurance.com

14. WEBSITE SECURITY

You agree not to:

• Attempt unauthorized access to any system or network;
• Introduce malware, viruses, or malicious code;
• Interfere with website functionality;
• Conduct denial-of-service attacks;
• Circumvent security controls;
• Use automated tools to scrape website data; or
• Engage in any activity that could impair website operation.

Violations may result in termination of access and legal action.

15. DISCLAIMERS

THE WEBSITE AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WORTH INSURANCE DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF:

• MERCHANTABILITY;
• FITNESS FOR A PARTICULAR PURPOSE;
• NON-INFRINGEMENT;
• ACCURACY;
• AVAILABILITY; AND
• RELIABILITY.

WE DO NOT WARRANT THAT:

• THE WEBSITE WILL OPERATE WITHOUT INTERRUPTION;
• THE WEBSITE WILL BE ERROR-FREE;
• DEFECTS WILL BE CORRECTED;
• THE WEBSITE WILL BE FREE OF VIRUSES OR MALICIOUS CODE; OR
• UNAUTHORIZED ACCESS WILL NEVER OCCUR.

16. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WORTH INSURANCE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, BUSINESS INTERRUPTION, OR LOSS OF GOODWILL.

IN NO EVENT SHALL WORTH INSURANCE'S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS, THE WEBSITE, OR ITS SERVICES EXCEED ONE HUNDRED DOLLARS ($100).

CERTAIN JURISDICTIONS MAY NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY, SO SOME LIMITATIONS MAY NOT APPLY.

17. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Worth Insurance, its affiliates, officers, directors, employees, contractors, representatives, successors, and assigns from and against any claims, liabilities, damages, losses, costs, expenses, or attorneys' fees arising out of:

• Your use of the website;
• Your violation of these Terms;
• Your submission of inaccurate information;
• Your violation of applicable law; or
• Your infringement of any third-party rights.

18. ARBITRATION AGREEMENT AND CLASS ACTION WAIVER

Any dispute, claim, or controversy arising out of or relating to these Terms, the website, or services provided by Worth Insurance shall be resolved exclusively through binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its applicable rules.

Arbitration shall take place in Palm Beach County, Florida, unless otherwise required by applicable law.

You and Worth Insurance agree that:

• Arbitration shall proceed solely on an individual basis;
• Class actions are waived;
• Collective actions are waived;
• Representative actions are waived; and
• The right to a jury trial is waived.

Nothing in this section shall prevent either party from:

• Seeking temporary injunctive relief;
• Seeking equitable relief to protect intellectual property rights; or
• Pursuing eligible claims in small claims court.

This arbitration provision shall survive termination of these Terms.

19. GOVERNING LAW

These Terms shall be governed by and construed under the laws of the State of Florida without regard to conflict-of-law principles.

20. FLORIDA MARKET AND HURRICANE INFORMATION

Any discussion regarding:

• Hurricane forecasts;
• Catastrophe risk;
• Insurance market conditions;
• Carrier participation;
• Premium trends;
• Coverage availability; or
• Regulatory developments

is provided solely for informational purposes.

Such information should not be relied upon as a guarantee of future market conditions, carrier decisions, pricing, underwriting outcomes, or insurance availability.

21. PRIVACY

Your use of the website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

22. CHANGES TO THESE TERMS

Worth Insurance reserves the right to modify these Terms at any time.

Updated versions will be posted on this page with a revised "Last Updated" date.

Your continued use of the website following publication of revised Terms constitutes acceptance of the updated Terms.

23. CONTACT INFORMATION

If you have any questions regarding these Terms, please contact:

Worth Insurance, LLC
Mailing Address:
390 NE 191st St STE 17110
Miami, FL 33179

Phone: (561) 440-6441
Email: legal@worthinsurance.com