Using this website.

The commercial terms of membership are summarized on the terms page and the agreement itself is issued in full, to read and to take to your own attorney, before anything is signed. Nothing on this website is an offer, and nothing on it forms a contract.

The content here is general information, not advice. It is written for experienced agency owners and it is written carefully, but it does not know your agency, your contracts, your state's regulations or your tax position. Decisions about your business should involve your own attorney, accountant and regulator, not a website.

Book Check is an estimate and says so. It shows the arithmetic behind every figure and names every rate it assumes, including the ones that are still provisional. It runs on the numbers you type, which it does not verify, and it is not a valuation, an audit or a forecast. Do not present its output as any of those.

Carrier access depends on the carrier. Any description of market access on this site describes what a network arrangement makes possible. Appointments are granted by carriers, at their discretion, against their own underwriting and appetite criteria, your agency's experience and loss history, and your location. No network can promise an appointment and you should be wary of one that does.

Qualification on this site is preliminary. The outcome at the end of the four questions is an initial read based on what you told us. It is not an offer of membership and it does not commit either of us to anything. Actual membership follows a conversation, a written agreement, and carrier processes that are not ours to decide.

Ordinary things, stated once:

• Do not attempt to gain access to parts of this site that are not public, or to other people's records.
• Do not scrape, automate against, or load-test this site without asking. If you have a legitimate reason, ask and you will probably get a yes.
• Do not submit somebody else's personal information through the forms.
• The text, design and tools on this site are ours. Quote them, link to them and argue with them freely; republishing them wholesale is a different matter.

Found a security problem? There is a disclosure address at /.well-known/security.txt that goes to somebody who will act on it rather than to a sales inbox. Report it there and you will get a response.

This site changes as the network settles terms it has not settled yet, and pages that carry a date say when they were last checked. If something here is wrong, out of date or unfair, tell us and it gets corrected. That invitation appears on several pages on this site and it is not decoration.