Terms of Service

monarchriskfl.com is operated by Monarch Risk, an independent property and casualty insurance agency licensed in the State of Florida and serving Southwest Florida. By visiting this site, submitting a form, or contacting us through it, you agree to these terms. If you do not agree, please do not use the site.

We may update these terms from time to time. The effective date above shows the current version, and continuing to use the site after a change means you accept it.

We are an independent agency, not an insurance company. We help Florida residents compare personal auto, homeowners, and renters coverage from the carriers we represent, and we assist with placing and servicing those policies. We are not able to represent every carrier or every product available in the market.

This is the most important section on the page. Please read it carefully.

• Any premium figure shown on this site — including results from our rate estimator — is an illustration only. It is not a quote, an offer, or a promise of coverage or price.
• Actual premiums and eligibility are determined solely by the insurance carrier, based on its underwriting guidelines, rating reports, and verified information.
• Coverage cannot be bound, changed, renewed, or cancelled through this website, by form submission, by email, or by voicemail. No coverage exists until a licensed agent confirms it and the carrier accepts the risk in writing.
• Coverage descriptions on this site are simplified summaries. The actual policy, including its declarations, endorsements, exclusions, conditions, and limits, controls in all cases.
• We may be unable to offer a quote for every request, and carrier appetite, rates, and availability change without notice.

Our Learning Center, FAQ, city pages, and blog-style content are general education about Florida insurance. They are not legal, tax, or financial advice and do not account for your specific situation. Regulations, carrier rules, and market conditions change — speak with a licensed agent before making a coverage decision.

When you use this site, you agree to:

• Provide accurate, complete, and current information in any form you submit.
• Submit information only about yourself, your household, or a person or property you are authorized to act for.
• Not use the site for anything unlawful, fraudulent, or abusive, and not attempt to interfere with, scrape, overload, or gain unauthorized access to the site or its systems.

Misstating information on an insurance application can lead a carrier to adjust your premium, deny a claim, or rescind a policy.

The Monarch Risk name, logo, and monogram, along with the text, layout, graphics, and code on this site, are owned by Monarch Risk or its licensors and are protected by United States copyright and trademark law. You may view, print, and share pages for your own personal, non-commercial use.

You may not copy, republish, resell, or adapt our content — or use our brand assets — for commercial purposes without our written permission. Carrier names and logos referenced on this site belong to their respective owners and are used only to identify the companies we represent.

This site links to carrier portals, government resources, and other third-party sites we do not control. We provide those links for convenience and are not responsible for their content, availability, security, or privacy practices. Your dealings with any third party, including an insurance carrier, are between you and that party.

We work to keep this site accurate and available, but we provide it on an "as is" and "as available" basis. To the fullest extent permitted by Florida law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components, or that any content, rate figure, or coverage summary is complete or current.

To the fullest extent permitted by law, Monarch Risk and its owners, employees, and contractors are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or lost data, arising out of your use of this website or reliance on its content. Nothing in this section limits any obligation we owe you as a licensed insurance agent under Florida law, or any liability that cannot be limited by law.

Our Privacy Policy describes what we collect and how we use it, and forms part of these terms. By submitting a request, you consent to be contacted at the phone number and email address you provide, including by text message. You can opt out of marketing messages at any time.

These terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. Any dispute arising from this website or these terms will be brought exclusively in the state or federal courts located in Lee County, Florida, and you consent to the jurisdiction of those courts. If any provision of these terms is found unenforceable, the rest remains in effect.

Complaints about an insurance transaction may also be directed to the Florida Department of Financial Services, Division of Consumer Services.

Questions about these terms? Contact Monarch Risk:

• Email: Insurance@monarchriskfl.com
• Phone: (239) 310-2727
• Serving Southwest Florida — Lee, Collier & Hendry counties