Terms of Service

By accessing or using x100insurance.com (the "Site") and any related services (collectively, the "Services"), you agree to these Terms of Service ("Terms"). If you do not agree, do not use the Services.

You must be at least 18 years of age and legally authorized to purchase commercial insurance on behalf of the business you represent. X100 Insurance Services, LLC ("X100") is a licensed insurance producer in all 50 U.S. states and the District of Columbia.

Quotes provided through the Services are illustrative estimates based on the information you provide. No quote constitutes an offer of insurance or a binder of coverage. Coverage is bound only when an authorized insurer issues a policy and X100 confirms binding in writing. Premiums, terms, and conditions are subject to underwriting and may change.

You represent and warrant that all information you submit (including industry, payroll, revenue, vehicle counts, prior claims, and contact details) is true, complete, and accurate. Material misrepresentations may void coverage and may constitute insurance fraud, which is a crime in most U.S. jurisdictions.

You authorize X100 and its payment processor to charge the payment method on file for premium, applicable taxes, and any policy fees. Recurring premiums are billed in advance. Failed payments may result in cancellation or non-renewal of coverage subject to your state's notice requirements.

You may cancel a newly issued policy within the applicable free-look period (typically 10 days, varies by state) for a full refund of unearned premium. After the free-look period, cancellations are subject to the policy's cancellation provisions and any short-rate or pro-rata calculations required by state law.

You agree not to (a) use the Services for any unlawful purpose; (b) attempt to gain unauthorized access; (c) interfere with the integrity of the Services; (d) submit false or fraudulent information; or (e) reverse-engineer, scrape, or resell any portion of the Services.

All content, trademarks, and software on the Site are owned by X100 or its licensors and protected by U.S. and international intellectual property laws.

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. X100 DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. ANY INSURANCE PRODUCT IS GOVERNED EXCLUSIVELY BY THE TERMS OF THE ISSUED POLICY.

TO THE FULLEST EXTENT PERMITTED BY LAW, X100 SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF YOUR USE OF THE SERVICES. THIS LIMITATION DOES NOT APPLY TO CLAIMS THAT CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW.

Any dispute arising out of these Terms shall be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, seated in Wilmington, Delaware. You and X100 waive any right to participate in a class action. This section does not apply to claims a state insurance department requires to be heard in another forum.

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles, except as preempted by federal law or modified by mandatory state insurance regulation.

X100 may update these Terms from time to time. Continued use of the Services after changes are posted constitutes acceptance.

X100 Insurance Services, LLC · 1100 Market Street, Suite 400, Wilmington, DE 19801 · legal@x100insurance.com