Terms & Conditions

1. About Specialized Insurance

Specialized Insurance (“we,” “our,” or “us”) is a licensed independent insurance agency located at 204 Medford Ave (Route 112), Patchogue, NY 11772. We act as an intermediary between clients and insurance carriers. We are licensed to conduct business as an insurance agent/broker in the State of New York.

We do not underwrite insurance policies. Any policy issued is a contract between you and the applicable insurance carrier, not with Specialized Insurance.

2. Acceptance of Terms

By using our website, requesting a quote, completing an application, or engaging our services in any way, you confirm that:

• You are at least 18 years of age
• You have the legal authority to enter into a binding agreement
• All information you provide to us is accurate, complete, and current
• You have read, understood, and agree to these Terms and Conditions

3. Services We Provide

Specialized Insurance provides insurance brokerage and agency services including, but not limited to:

• Obtaining and presenting insurance quotes from multiple carriers
• Assisting with insurance applications and submissions
• Consulting on coverage options for personal and commercial insurance needs
• Facilitating policy binding, endorsements, renewals, and cancellations
• Providing guidance on claims processes (we do not handle or adjudicate claims directly)

Our services are provided based on the information you supply to us. It is your responsibility to ensure all information provided is accurate and complete. Misrepresentation or omission of material facts may result in denial of coverage, policy rescission, or claims being denied by the carrier.

4. No Coverage Guaranteed

5. Accuracy of Information

You agree to provide truthful, accurate, and complete information in all dealings with Specialized Insurance. You understand that:

• Insurance quotes are estimates based on the information provided and are subject to change upon verification
• Providing false or misleading information is considered insurance fraud under New York law and may result in civil and criminal penalties
• Any material change in your circumstances that may affect your coverage must be reported to us promptly

6. Website Use

You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of others. You agree not to:

• Attempt to gain unauthorized access to any portion of our website or related systems
• Use automated tools, bots, or scrapers on our website without express written permission
• Upload or transmit malicious code, viruses, or any content intended to damage or interfere with our systems
• Use our website to distribute unsolicited commercial communications
• Impersonate any person or entity or misrepresent your affiliation with any person or entity

We reserve the right to restrict access to our website for any user who violates these terms.

7. Intellectual Property

All content on this website — including text, graphics, logos, images, and page design — is the property of Specialized Insurance or its content suppliers and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.

8. Third-Party Links and Carrier Websites

Our website may contain links to third-party websites, including insurance carrier portals and payment platforms. These links are provided for your convenience only. Specialized Insurance does not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites. You access those websites at your own risk.

9. Disclaimer of Warranties

10. Limitation of Liability

To the fullest extent permitted by applicable law, Specialized Insurance, its owners, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of, or inability to use, our website or services — even if we have been advised of the possibility of such damages.

In no event shall our total liability to you for all claims arising out of your use of our website or services exceed the amount of fees actually paid by you to Specialized Insurance in the twelve (12) months preceding the claim.

This limitation does not apply to our liability under applicable New York insurance regulations or to claims arising from our gross negligence or willful misconduct.

11. Indemnification

You agree to indemnify, defend, and hold harmless Specialized Insurance and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with your use of our website or services, your violation of these Terms, or your provision of inaccurate or incomplete information to us.

12. Privacy

Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection and use of your personal information.

13. Governing Law and Jurisdiction

These Terms and Conditions are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Suffolk County, New York, and you consent to personal jurisdiction in such courts.

14. Dispute Resolution

Before initiating any formal legal proceedings, you agree to contact us directly to attempt to resolve any dispute informally. If a dispute cannot be resolved informally within 30 days, either party may pursue formal legal remedies in accordance with Section 13 above.

You agree to bring any claims in your individual capacity and not as a plaintiff or class member in any purported class action or representative proceeding.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

16. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any other agreements or disclosures referenced herein, constitute the entire agreement between you and Specialized Insurance regarding your use of our website and services and supersede all prior understandings or agreements on the same subject matter.

17. Changes to These Terms

We reserve the right to update or modify these Terms at any time. When we do, we will update the “Last Updated” date at the top of this page. Your continued use of our website or services after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

18. Contact Us

If you have questions about these Terms and Conditions, please contact us: