Terms of Service

1. About Our Services

Moran Insurance Group, LLC is a licensed independent health insurance brokerage. Amanda Moran (NPN: 20998118) and Erik Moran (NPN: 20970092) are licensed insurance professionals operating in 30+ states under Agency License #G101153. Our services include helping individuals, families, and small businesses compare and enroll in health insurance plans from licensed carriers. Our brokerage services are provided at no direct cost to you, we are compensated by insurance carriers.

2. Informational Purpose Only

The content on this website, including plan descriptions, estimated premiums, eligibility information, and coverage comparisons, is provided for general informational purposes only. Nothing on this site constitutes a binding offer, guarantee of coverage, or promise of specific plan availability. Actual plan options, pricing, and availability are subject to carrier underwriting, your location, and applicable state and federal regulations. Final plan details will be confirmed directly with the applicable insurance carrier.

3. Eligibility & Use of the Website

You must be at least 18 years of age to use this website and request insurance services. By using this site, you represent and warrant that:

• · You are at least 18 years old
• · All information you provide is truthful, accurate, and complete to the best of your knowledge
• · You have the authority to request insurance quotes on behalf of any business or household members you represent
• · You will use this website only for lawful purposes

4. Consent to Contact

By submitting a quote request or contact form on this website, you expressly consent to being contacted by Moran Insurance Group, LLC, including by phone, text message (SMS), and email, at the contact information you provide. You understand that this may include autodialed or pre-recorded calls or texts. Message and data rates may apply. You may opt out of communications at any time by replying STOP to any text, clicking unsubscribe in any email, or by contacting us directly.

5. SMS / Text Messaging Terms

Program Name: Moran Insurance Group SMS Alerts

When you submit a quote request form on moraninsurancegroup.com, you consent to receive SMS text messages from Moran Insurance Group at the phone number you provide. Messages relate to your insurance inquiry, including quote follow-ups, appointment reminders, and policy updates.

Consent to receive text messages is not a condition of purchase. No messages are sent to purchased lists. Messages are sent only to the phone number you voluntarily provide on our quote request forms.

Supported carriers include but are not limited to: AT&T, T-Mobile, Verizon, US Cellular. Carriers are not liable for delayed or undelivered messages.

6. Accuracy of Information

You are responsible for providing accurate and complete information in all forms and communications. Providing inaccurate information, including misrepresenting age, health status, business size, or residency, may result in incorrect quotes, denial of coverage by a carrier, or cancellation of a policy. Moran Insurance Group is not liable for any consequences arising from inaccurate information you provide.

7. Third-Party Links & Tools

Our website may contain links to third-party websites or embedded tools, including the UnitedHealthOne / Golden Rule instant quote portal. These third-party services are governed by their own terms and privacy policies. We are not responsible for the content, accuracy, or practices of any third-party website. Accessing third-party tools through our site is at your own risk.

8. Intellectual Property

All content on this website, including text, graphics, logos, page layouts, and code, is the property of Moran Insurance Group, LLC or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws. You may not copy, reproduce, modify, distribute, or create derivative works from any content on this site without our prior written consent.

9. Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the website will be error-free, uninterrupted, or free of viruses or other harmful components. We reserve the right to modify or discontinue the website at any time without notice.

10. Limitation of Liability

To the fullest extent permitted by law, Moran Insurance Group, LLC, its owners, brokers, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, loss of data, or loss of coverage, arising out of or in connection with your use of this website or our brokerage services, even if we have been advised of the possibility of such damages. Our total liability for any claim arising from your use of this website shall not exceed $100.

11. Indemnification

You agree to indemnify, defend, and hold harmless Moran Insurance Group, LLC, its owners, agents, and employees from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from your use of this website, your violation of these Terms, or your violation of any rights of another party.

12. Governing Law & Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any dispute arising from or relating to these Terms or your use of this website shall be resolved exclusively in the state or federal courts located in Pinellas County, Florida. You consent to the personal jurisdiction of such courts.

13. Changes to These Terms

We reserve the right to update or modify these Terms at any time. When changes are made, we will update the "Last Updated" date at the top of this page. Your continued use of the website after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

14. Contact Us

If you have questions about these Terms of Service, please contact us: