Terms & Conditions
Welcome to Modern Insurance Group. Before you explore our services, request a quote, or reach out to our team, we want you to take a moment to read through these Terms and Conditions carefully. This isn’t just legal fine print. It’s our way of being upfront with you about how we operate, what you can expect from us, and what we ask of you in return.
By accessing our website at moderninsgroup.com or using any of our insurance services, you’re agreeing to the terms outlined below. If something here doesn’t sit right with you or raises a question, please reach out to us directly at info@moderninsurancegroup.com or call 844-259-7283. We’re real people, and we’re happy to explain anything that isn’t clear.
1. About Modern Insurance Group
Modern Insurance Group is an independent insurance agency trusted by more than 30,000 clients across the United States. We work with a network of over 200 insurance carriers to find the coverage that fits your life, your budget, and your specific situation, without the pressure, confusion, or hidden costs that too often come with shopping for insurance.
We offer coverage across a range of personal and commercial insurance categories, including auto insurance, home insurance, business insurance, life insurance, health insurance, and investment-related insurance products. Our licensed agents serve clients in West Virginia, Florida, and beyond.
Our goal has always been simple: help people protect what matters most to them, and make that process as straightforward as possible.
2. Acceptance of Terms
By visiting our website, submitting a quote request, communicating with our agents, or using any service offered through Modern Insurance Group, you confirm that you have read, understood, and agreed to be bound by these Terms and Conditions.
These terms apply to all visitors, prospective clients, current policyholders, and anyone who interacts with our website or team in any capacity. If you are using our services on behalf of a business or organization, you represent that you have the authority to accept these terms on that entity’s behalf.
We reserve the right to update these Terms and Conditions at any time. Changes will be posted on this page with a revised effective date. You agree to the updated conditions by using our website or services going forward.
3. Insurance Services and Coverage
Modern Insurance Group acts as an independent insurance broker and agent. We help clients identify, compare, and secure insurance coverage through our carrier network. The specific terms, conditions, exclusions, and pricing of any insurance policy are determined by the individual insurance carrier, not by Modern Insurance Group.
While we take great care to match clients with coverage that suits their needs, we strongly encourage every client to review their policy documents thoroughly upon receipt. Coverage details, deductibles, limits, and exclusions vary by carrier and policy type. If you have questions about what your specific policy covers, our team is available to walk you through it.
Important: Submitting a quote request through our website does not bind coverage. Insurance coverage becomes effective only when a policy is formally issued by the carrier, and all applicable premiums have been paid.
We offer the following types of insurance coverage:
- Auto Insurance – Collision, liability, comprehensive, personal protection, uninsured/underinsured motorist coverage, and roadside assistance
- Home Insurance – Protection for your property, personal belongings, and liability
- Business Insurance – General liability, commercial property, workers’ compensation, business interruption, and cyber liability coverage
- Life Insurance – Term, whole, and other life coverage options to protect your family’s financial future
- Health Insurance – Individual and group health plans designed to fit various needs and budgets
- Investments Insurance – Coverage products related to investment and financial planning protection
4. Quote Requests and Personal Information
When you submit a quote request through our website, you are providing us with personal information, including your name, email address, phone number, and details about the coverage you’re seeking. We use this information solely to connect you with the right insurance options and to follow up with you about your inquiry.
We do not sell your personal information to third parties for marketing purposes. Your information may be shared with insurance carriers in our network as part of the quoting and underwriting process, which is a standard part of obtaining an insurance quote.
By submitting a quote request, you consent to being contacted by our licensed agents via phone, email, or other communication channels to discuss your coverage options. You can opt out of further contact at any time by notifying us directly.
5. Website Use and Acceptable Conduct
Our website is provided for informational purposes and to help individuals and businesses connect with insurance solutions that serve their needs. You commit to using this website exclusively for legitimate purposes and without violating anybody else’s rights.
You may not:
- Use automated tools, bots, or scraping software to extract content from our website
- Attempt to gain unauthorized access to any part of our systems or databases
- Submit false, misleading, or fraudulent information through our quote forms or any communication channel
- Distribute malware, spam, or other dangerous content over our website.
- Reproduce, republish, or distribute our website content without prior written permission from Modern Insurance Group
We reserve the right to block access to our website for any user who violates these terms or engages in conduct that is harmful to our clients, partners, or operations.
6. Accuracy of Information
We work hard to ensure that the information presented on this website is accurate, current, and helpful. That said, insurance is a complex and highly regulated industry, and the specifics of coverage, pricing, and availability change frequently. Content on this website is for general informational purposes only and should not be interpreted as a guarantee of specific coverage terms or pricing.
For precise and binding information about any insurance product, please speak directly with one of our licensed agents. Nothing on this website constitutes a formal offer or contract of insurance.
7. Third-Party Carriers and Partners
Modern Insurance Group works with a large network of insurance carriers, including nationally recognized companies such as Travelers, Liberty Mutual, Safeco, The Hartford, Progressive, Nationwide, Allstate, Kemper, and others. While we carefully vet the carriers we work with, we do not control the policies, practices, or decisions of these independent companies.
Any disputes regarding the terms, claims handling, or coverage decisions of a specific insurance policy should be directed to the issuing carrier. We will always do our best to advocate for our clients in these situations, but final coverage determinations rest with the carrier.
Our website may also contain links to third-party websites for informational purposes. We are not responsible for the content, accuracy, or privacy practices of those external sites.
8. Claims Process
Modern Insurance Group maintains a 98% claim success rate, and we’re proud of that. When you need to file a claim, our team is here to guide you through the process. However, claims are processed and settled by the insurance carrier, not by Modern Insurance Group.
We encourage all clients to report claims promptly, provide accurate information, and cooperate fully with the carrier’s investigation process. Misrepresentation or fraud in connection with a claim is a serious matter that can result in policy cancellation and legal consequences.
For assistance with a claim, contact us at 844-259-7283 or email info@moderninsurancegroup.com. We’re available 24/7 to help.
9. Limitation of Liability
Modern Insurance Group provides its website and services on an “as is” basis. While we take every reasonable step to ensure the reliability and accuracy of our services, we cannot guarantee uninterrupted access to our website or that all information presented will be free from error.
To the fullest extent permitted by applicable law, Modern Insurance Group and its agents, employees, and partners shall not be liable for any indirect, incidental, or consequential damages arising from your use of our website, your reliance on information provided on this site, or any interruption or unavailability of our services.
Our liability to any client or visitor shall not exceed the amount paid, if any, for services rendered in connection with the specific matter at issue.
10. Privacy and Data Security
Your privacy matters to us. We are committed to handling your personal information responsibly and in compliance with applicable federal and state privacy laws. For a full explanation of how we collect, store, and use your information, please refer to our Privacy Policy.
We use industry-standard security measures to protect the personal information you share with us. However, no method of electronic transmission or storage is completely secure. By using our website and services, you acknowledge this inherent limitation.
11. Licensing and Regulatory Compliance
Modern Insurance Group operates as a licensed insurance agency in the states where we conduct business. Our agents are licensed professionals who are required to comply with the laws and regulations of each state in which they sell insurance. Specific licensing information is available upon request.
Insurance products and availability vary by state. Not all coverage types or carriers may be available in every location. Our agents will always be transparent about what is available to you based on where you live and the type of coverage you need.
12. Governing Law and Dispute Resolution
These Terms and Conditions are governed by the laws of the United States and the state in which services are rendered. Any disputes arising from your use of our website or services that cannot be resolved through direct communication with our team will be subject to the jurisdiction of the applicable state courts.
We genuinely hope it never comes to that. If something goes wrong or you have a concern, please contact us first. We believe most issues can be resolved through honest conversation, and we’re always willing to listen.
13. Contact Information
If you have any questions about these Terms and Conditions, our services, or anything else related to your coverage or your experience with Modern Insurance Group, we’d love to hear from you.
Modern Insurance Group
Email: info@moderninsurancegroup.com
Phone: 844.259.7283
Website: www.moderninsgroup.com
We’re here Monday through Friday during regular business hours, and our support line is available around the clock for urgent matters. Protecting people is what we do, and we take that responsibility seriously.