Privacy Policy
1. Independent Brokerage Disclaimer
Rise Insurance operates as an independent insurance brokerage. We are not agents, representatives, or employees of any specific insurance carrier, underwriter, or insurance company. Our role is to act as an intermediary between our clients and insurance carriers, helping to identify coverage options that may be appropriate based on the information our clients provide. Any reference to insurance carriers, coverage programs, or policy features on this website does not imply an agency relationship, exclusive partnership, or binding agreement between Rise Insurance and any specific insurance company. Carrier availability, underwriting guidelines, and policy terms are determined solely by the issuing insurance companies and are subject to change without notice.
2. No Guarantee or Offer of Coverage
The information, descriptions, and statements made on this website are for general informational purposes only. Nothing contained on this website constitutes an actual offer, guarantee, or promise of insurance coverage, policy placement, claims resolution, or any specific service outcome. All insurance coverage is subject to the terms, conditions, exclusions, limitations, and endorsements of the actual policy as issued by the insurance carrier. Coverage availability, pricing, terms, and eligibility may vary based on individual circumstances, underwriting requirements, carrier guidelines, and applicable state regulations. Rise Insurance makes no warranty or representation that any specific coverage, premium, or outcome described on this website will be available or applicable to any individual client or situation.
3. Policy Terms and Conditions
Every insurance policy is a legal contract between the insured and the issuing insurance carrier. All policies are bound exclusively to the terms, conditions, exclusions, limitations, and endorsements as set forth by the insurance company in the actual policy documents. It is the sole responsibility of the insured and/or policyholder to thoroughly review, understand, and verify the specific terms and conditions of their insurance policy, including what is covered, what is excluded, and what optional coverages are available. Rise Insurance will make reasonable efforts to help guide clients through available coverage options and explain policy features in general terms. However, the final responsibility for understanding and confirming the scope of coverage rests entirely with the insured.
4. Coverage Inclusions, Exclusions, and Optional Coverages
This website may reference specific types of coverage, protections, or policy features such as loss of rents, business interruption, ordinance and law coverage, water damage, fire losses, and others. These references are intended to illustrate the types of coverage that may be available in certain insurance programs and should not be interpreted as a representation that such coverages are automatically included in any specific policy. Many coverages referenced on this website may be optional, subject to additional premium, limited by policy endorsements, or excluded entirely depending on the carrier, program, and individual policy terms. Clients must verify with Rise Insurance and review their actual policy documents to confirm which coverages are included, which are excluded, and which may be available as optional additions. Rise Insurance is not responsible for any coverage that a client declines, removes, or fails to verify as part of their insurance program.
5. Client Responsibility
It is the responsibility of each client to provide accurate, complete, and truthful information when applying for insurance coverage. Clients are further responsible for reviewing all policy documents, declarations pages, endorsements, and coverage summaries provided by the issuing carrier to ensure the coverage meets their specific needs and requirements. If at any time a client is uncertain about what their policy covers or excludes, they should contact Rise Insurance immediately for clarification. However, clients acknowledge that the final decision regarding coverage selection, limits, deductibles, and optional coverages rests solely with them. Rise Insurance will provide professional guidance and recommendations, but the insured bears full responsibility for confirming their coverage is adequate and appropriate for their individual circumstances.
6. Claims Support and Advocacy Disclaimer
This website references claims support, claims advocacy, and related services as part of the Rise Insurance client experience. While Rise Insurance is committed to assisting clients in navigating the claims process, this assistance is provided on a best-efforts basis and does not constitute a guarantee of any specific claims outcome, settlement amount, or recovery timeline. In some cases, claims advocacy, enhanced claims management, or involvement in complex claims matters may require additional fees or service charges beyond standard brokerage services. Any such fees will be communicated to the client in advance. Claims decisions, settlements, and payment determinations are made solely by the issuing insurance carrier. Rise Insurance does not have the authority to approve, deny, or pay claims on behalf of any carrier. Our role in the claims process is to advocate for our clients, facilitate communication, and provide support throughout the process.
7. Lender Compliance and Closing Support Disclaimer
Rise Insurance provides assistance with lender insurance compliance requirements for real estate transactions including purchases, refinances, and loan closings. While we make every reasonable effort to satisfy lender requirements quickly and efficiently, we cannot guarantee specific timelines, outcomes, or that all lender demands can be met without changes to coverage or premium. Lender requirements vary by institution and are determined solely by the lender or their designated representatives. In some cases, satisfying lender requirements may result in coverage changes or premium adjustments that are beyond the control of Rise Insurance. Our role is to facilitate compliance and advocate for practical solutions, but the final terms of compliance are dictated by the lender and the issuing insurance carrier.
8. Website Content and Accuracy
Rise Insurance makes reasonable efforts to ensure the information on this website is accurate and up to date. However, we do not warrant or guarantee the accuracy, completeness, or timeliness of any information presented on this website. Insurance products, carrier availability, regulations, and market conditions change frequently. Information on this website may not reflect the most current developments. This website should not be used as a substitute for professional insurance advice. Clients should always consult directly with Rise Insurance or a qualified insurance professional before making coverage decisions based on any information found on this website.
9. Limitation of Liability
To the fullest extent permitted by applicable law, Rise Insurance, its owners, officers, employees, and affiliates shall not be held liable for any direct, indirect, incidental, consequential, or special damages arising from or related to the use of this website, reliance on any information provided herein, or any insurance coverage decisions made based on the content of this website. This limitation of liability applies regardless of the form of action, whether in contract, negligence, strict liability, or any other legal theory. By using this website, you acknowledge and agree that Rise Insurance is not responsible for any losses, damages, or expenses that may result from coverage gaps, claim denials, policy exclusions, or any other insurance-related outcomes.
10. Modifications and Updates
Rise Insurance reserves the right to modify, update, or change the content of this website and this disclaimer at any time without prior notice. It is the responsibility of visitors and clients to review this disclaimer periodically for any updates. Continued use of this website following any changes constitutes acceptance of the revised terms. If you have any questions about this disclaimer or any content on this website, please contact Rise Insurance directly.