Legal

Terms of Use

Last updated: July 23, 2026

1. Acceptance of Terms

By accessing or using the website located at brightcoastins.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.

2. Use of the Site

This Site is provided by Bright Coast Insurance for informational purposes only. The information on this Site does not constitute insurance advice and does not create an insurance policy or coverage. All insurance products are subject to the terms and conditions of the applicable policy.

You agree to use this Site only for lawful purposes and in a manner that does not infringe the rights of others or restrict or inhibit their use and enjoyment of the Site.

3. No Insurance Coverage Created

Submitting a quote request, contact form, or any other inquiry through this Site does not bind coverage, create an insurance policy, or guarantee the availability of any insurance product. Coverage is only effective upon issuance of a policy by an authorized insurer and receipt of required premium.

4. Accuracy of Information

Bright Coast Insurance makes reasonable efforts to ensure the accuracy of information on this Site, including workers compensation class codes and rates. However, rates and classifications are subject to change and may vary by insurer. Always confirm current rates and eligibility with a licensed agent before making coverage decisions.

5. Third-Party Links

This Site may contain links to third-party websites, including insurance carriers, client portals, and partner services. Bright Coast Insurance is not responsible for the content, accuracy, or privacy practices of any third-party sites.

6. Intellectual Property

All content on this Site, including text, graphics, logos, and data, is the property of Bright Coast Insurance or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without prior written permission.

7. Disclaimer of Warranties

This Site is provided "as is" without warranties of any kind, either express or implied. Bright Coast Insurance disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability

To the fullest extent permitted by law, Bright Coast Insurance shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this Site or reliance on any information provided herein.

9. Privacy

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms of Use by reference.

10. SMS Messaging

Bright Coast Insurance Quote Updates sends quote and policy follow-ups about your request only. No marketing messages are sent. Message frequency varies. Message and data rates may apply.

Opt in using the separate, optional SMS checkbox on our forms. Consent is not a condition of purchase or of receiving a quote. Reply STOP to opt out or HELP for help. Carriers are not liable for delayed or undelivered messages.

For support, contact Bright Coast Insurance at (239) 475-0361 or support@brightcoastins.com.

Weekly Safety Tips

Bright Coast Insurance Weekly Safety Tips sends about 1 message per week. Message and data rates may apply. Reply STOP to opt out, HELP for help. Consent is not a condition of purchase. Opt in using the separate, optional tips checkbox at checkout. For support, call (239) 475-0361 or email support@brightcoastins.com.

11. Changes to Terms

Bright Coast Insurance reserves the right to modify these Terms of Use at any time. Changes will be effective upon posting to the Site. Your continued use of the Site after any changes constitutes your acceptance of the revised terms.

12. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.

13. Contact

If you have questions about these Terms of Use or our SMS program, please contact us: