Terms of Service

Who we are & acceptance of terms

This website is operated by E&S Insurance Group LLC ("E&S," "we," "us," or "our"), an independent insurance agency based in Centerville, Ohio. By accessing or using www.esinsured.com (the "Site"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Site.

Not insurance advice or a binding offer

Content on this Site — including quote forms, coverage descriptions, and educational material — is provided for general informational purposes only and does not constitute insurance, legal, financial, or tax advice. Submitting a quote request is not an application for insurance and does not bind any coverage. Actual coverage, terms, and pricing are determined solely by the issuing insurance carrier and the policy documents it issues.

Acceptable use of the Site

You agree to use the Site only for lawful purposes. You agree not to:

• Provide false, misleading, or fraudulent information in any form or quote request.
• Attempt to gain unauthorized access to any part of the Site or its underlying systems.
• Interfere with the Site's operation, including through malware, scraping, or excessive automated requests.
• Use the Site to violate any applicable local, state, or federal law.

Intellectual property

The Site's text, graphics, logos, and design are owned by E&S Insurance Group LLC or its licensors and are protected by copyright and trademark law. You may view and print Site content for your own personal, non-commercial use. No other use, reproduction, or distribution is permitted without our prior written consent.

Third-party links

The Site may link to carrier websites, portals, or other third-party resources that we do not control. We are not responsible for the content, accuracy, or privacy practices of any third-party site, and linking to it does not imply our endorsement.

Communications consent

By submitting a form on the Site, you consent to be contacted by E&S Insurance Group LLC by phone, email, or text message about your request, subject to the specific consent language shown on that form. Text message consent is collected separately and is governed by our SMS Terms. See our Privacy Policy for how we handle the information you provide.

Disclaimer of warranties

The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure.

Limitation of liability

To the fullest extent permitted by law, E&S Insurance Group LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Site.

Governing law

These Terms are governed by the laws of the State of Ohio, without regard to its conflict-of-laws principles. Any dispute arising from these Terms or your use of the Site will be subject to the exclusive jurisdiction of the state and federal courts located in Ohio.

Changes to these terms

We may update these Terms of Service from time to time. We will update the "Last updated" date at the top of this page when changes are made. Continued use of the Site after changes take effect constitutes acceptance of the revised terms.

These terms are provided for information and are not legal advice. We recommend reviewing them periodically.

Contact us

Questions about these terms? Reach out anytime — we're here to help.