Terms of Use

1. Agreement

These Terms of Use govern your use of RepairShopInsurance.com (the “site”). By using the site, you agree to these terms. If you don’t agree, please don’t use the site.

2. Who operates the site

The site is owned and operated by Catanzaro Insurance LLC, an independent insurance agency. Repair Shop Insurance is not an insurance company, and the site is not owned, operated, or endorsed by any insurance company. Insurance is provided by insurance companies, not by the site.

3. Information on the site is general

Content on the site is general information about insurance for auto repair, service, and body shops. It is not legal, tax, or financial advice, and it is not a description of any particular policy. Coverage is determined solely by the terms, conditions, limits, and exclusions of the policy actually issued. Coverage names and structures vary by insurance company and state.

4. Quote requests

Submitting a quote request is a request to be contacted about insurance. It is not an application for insurance, it is not binding on you or on any insurance company, and it does not guarantee that a quote will be offered or that coverage will be created. More information may be needed before any insurance company can offer a quote.

5. No guarantee of availability, eligibility, or price

Insurance availability, eligibility, pricing, and terms depend on each insurance company’s underwriting and may vary by state and by the nature of your business. Nothing on the site is a promise that coverage will be offered to you, or offered at a particular price.

6. Coverage begins only when bound

Coverage takes effect only when it has been properly bound by an insurance company or its authorized representative in accordance with the applicable policy, binder, and payment requirements. Do not cancel or allow existing coverage to lapse until replacement coverage is confirmed.

7. Accuracy of your information

You agree that information you submit is accurate and complete to the best of your knowledge, and that you are authorized to submit it on behalf of the business. Inaccurate or incomplete information may affect underwriting, eligibility, pricing, coverage terms, or the handling of a claim.

8. Referral to insurance companies

To obtain or evaluate insurance options for you, your request may be shared with insurance companies and, when appropriate, licensed insurance agents, brokers, wholesalers, or other insurance professionals involved in placing coverage, who may contact you directly. Their products and services are subject to their own terms. See our Privacy Policy.

9. Communications

Communications following a quote request relate to the insurance quote you requested. The consent you give on the quote form, which is recorded with your request, governs how we and the insurance professionals involved in handling it may contact you by phone, email, or text message. You can ask us to stop contacting you at any time.

10. Intellectual property

The site’s content, design, and trademarks belong to Catanzaro Insurance LLC or its licensors. You may view and print content for your own business use, but you may not copy, republish, or distribute it without permission.

11. Acceptable use

You agree not to misuse the site, including by submitting false or automated requests, attempting to gain unauthorized access, interfering with its operation, or collecting information from it by automated means.

12. Third-party websites

Links to other websites are provided for convenience. We aren’t responsible for their content or practices.

13. Disclaimer of warranties

The site is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose, and non-infringement. We don’t warrant that the site will be uninterrupted or error-free.

14. Limitation of liability

To the fullest extent permitted by law, Catanzaro Insurance LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the site or reliance on its content. Nothing in these terms limits any duty we owe you as a licensed insurance agency under applicable law.

15. Indemnification

You agree to indemnify and hold harmless Catanzaro Insurance LLC from claims arising from your misuse of the site or your violation of these terms.

16. Governing law

These terms are governed by the laws of the State of Ohio, without regard to conflict-of-law rules, except where the law of your state requires otherwise.

17. Changes

We may update these terms from time to time. Continued use of the site after an update means you accept the revised terms. The “Last updated” date above shows when they last changed.

18. Contact

Questions about these terms can be sent through our contact page.