Terms of Service

1. Agreement to Terms

By accessing or using the Best Rate Network website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services. These terms apply to all visitors, users, and others who access or use our services.

2. Description of Services

Best Rate Network is a licensed insurance brokerage that helps individuals and businesses find trucking insurance coverage. Our services include:

• Providing insurance quotes from multiple carriers
• Assisting with insurance policy selection and placement
• Offering guidance on coverage options
• Facilitating communication between clients and insurance carriers

We act as an intermediary between you and insurance carriers. We are not an insurance company and do not underwrite policies.

3. Eligibility

You must be at least 18 years old and have the legal capacity to enter into binding contracts to use our services. By using our services, you represent and warrant that you meet these eligibility requirements.

4. Accuracy of Information

You agree to provide accurate, current, and complete information when requesting quotes or applying for insurance coverage. Providing false, inaccurate, or incomplete information may result in denial of coverage, policy cancellation, or claim denial. You are responsible for updating your information if it changes.

5. No Guarantee of Coverage

Receiving a quote does not guarantee that you will be approved for insurance coverage. All coverage decisions are made by the insurance carriers based on their underwriting guidelines. We do not have authority to bind coverage on behalf of any insurance carrier unless specifically authorized.

6. Insurance Policies

The actual terms, conditions, and coverage of any insurance policy are governed solely by the policy documents issued by the insurance carrier. In the event of any conflict between information provided by Best Rate Network and the policy documents, the policy documents shall control.

7. Fees and Compensation

Best Rate Network may receive commissions, fees, or other compensation from insurance carriers for policies placed through our services. This compensation is typically included in your premium and does not increase your cost. We will disclose any fees charged directly to you before you incur them.

8. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Best Rate Network or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.

9. Prohibited Uses

You agree not to use our services:

• For any unlawful purpose or in violation of any laws
• To submit false or misleading information
• To interfere with or disrupt our services or servers
• To attempt to gain unauthorized access to our systems
• To harvest or collect information about other users
• To transmit viruses or malicious code

10. Limitation of Liability

To the maximum extent permitted by law, Best Rate Network shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising out of or related to your use of our services. Our total liability shall not exceed the fees paid by you to Best Rate Network in the twelve months preceding the claim.

11. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, error-free, or secure. We disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

12. Indemnification

You agree to indemnify, defend, and hold harmless Best Rate Network, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising out of your use of our services, your violation of these terms, or your violation of any rights of another party.

13. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after any changes constitutes acceptance of the new terms. We encourage you to review these terms periodically.

14. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the United States and the state in which Best Rate Network is headquartered, without regard to conflict of law principles.

15. Dispute Resolution

Any disputes arising out of or relating to these terms or our services shall first be attempted to be resolved through good faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

16. Severability

If any provision of these Terms of Service is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

17. Contact Information

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