Please read these terms carefully before using the Options Insurance website or submitting any information through our online forms.
These Terms and Conditions govern your use of the Options Insurance website located at options-insurance.com and any related platforms or digital properties operated by Options Insurance (collectively, the “Website”). By accessing or using the Website, you signify your agreement to these Terms and Conditions in full.
If you do not accept these terms, please discontinue use of the Website immediately.
The content and information on the Website are either owned or licensed by Options Insurance, including its affiliates, subsidiaries, and related entities operating under the California DBA Novallus Insurance Brokers (collectively, “Options Insurance”). In these Terms and Conditions, “we,” “us,” and “our” refer to Options Insurance, while “you” and “your” denote any person or entity accessing or using the Website.
You may not use the Website for any unlawful activities or for any purpose that violates these Terms and Conditions. You are solely accountable for any content you submit or communications you generate through the Website, as well as for any consequences arising from your use of the Website.
Prohibited uses include but are not limited to:
We bear no responsibility for content submitted by users or outcomes resulting from user actions on the Website.
The Website provides content for informational purposes only. Nothing on this Website constitutes financial, legal, tax, insurance, or accounting advice unless explicitly stated otherwise in a separate written agreement between you and Options Insurance.
All premium estimates, coverage descriptions, and insurance information provided on this Website are general in nature and intended to illustrate typical ranges or common coverage considerations. Actual coverage terms, conditions, exclusions, and premiums are determined by the specific policy issued by the applicable insurance carrier and are subject to underwriting approval.
For decisions regarding insurance coverage, consult directly with a licensed Options Insurance agent and review the actual policy documents issued to you. Reliance on Website content alone for coverage decisions is at your own risk. Options Insurance is not liable for any coverage gaps, claim denials, or financial losses arising from reliance on general Website content without confirmation from a licensed agent.
All materials on the Website — including text, graphics, images, audio, software, reports, trademarks, service marks, and other content — are protected by applicable intellectual property laws and are owned or licensed by Options Insurance unless otherwise specified.
Without prior written consent from Options Insurance or the respective rights holders, you may not:
You are permitted to print or copy content for personal, non-commercial use, provided all copyright and proprietary notices remain intact. Options Insurance reserves the right to revoke this permission at any time. All rights not expressly granted are reserved.
Options Insurance grants you a non-exclusive, royalty-free, personal, and non-transferable license to access and use the Website and any associated tools solely for your personal benefit and as permitted by these Terms and Conditions.
This license does not include the right to:
When you submit information through our Website — including quote request forms, contact forms, or any other interactive features — you must provide accurate, current, and complete information. Submitting false or misleading information may result in inaccurate quotes, coverage gaps, or other adverse outcomes for which Options Insurance bears no responsibility.
By submitting information through the Website (excluding personal data covered by our Privacy Policy), you grant Options Insurance a license to use, process, and store that information for the purpose of providing insurance services, responding to your inquiry, and conducting our business operations in compliance with applicable law.
Internet submissions, including emails and form submissions, may not be fully secure. We encourage you to avoid submitting highly sensitive personal information (such as Social Security numbers or financial account details) through web forms, and to use encrypted communication where such information is required.
The Options Insurance email and communication systems are private. The following activities are strictly prohibited:
The Website is intended for U.S. residents only. The insurance products and services described are available only in states where Options Insurance holds the required licenses. Options Insurance is currently licensed in the following states: Arizona, California (as Novallus Insurance Brokers), Colorado, Illinois, Indiana, Iowa, Minnesota, North Dakota, South Dakota, Utah, Virginia, and Wisconsin.
Services, products, and content described on the Website are not intended for use or distribution outside the United States or in jurisdictions where they would violate applicable local laws or require additional registration by Options Insurance. Your use of the Website from outside the United States is at your own risk and subject to applicable local laws.
The Website and its content are provided “as is” for informational purposes. While Options Insurance strives for accuracy, we make no guarantees regarding the completeness, timeliness, reliability, or freedom from errors of any content on the Website.
To the fullest extent permitted by applicable law, Options Insurance and its licensors disclaim all warranties, express or implied — including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Your use of the Website is at your own risk. We are not obligated to update content or correct inaccuracies.
We do not guarantee that the Website is free from errors, viruses, or harmful code. Options Insurance is not liable for damages to your devices or systems resulting from your access to or use of the Website.
To the maximum extent permitted by applicable law, Options Insurance and its owners, employees, agents, and affiliates are not liable for any direct, indirect, incidental, special, consequential, or punitive damages — including lost profits, data loss, or business interruption — arising from:
This limitation applies even if Options Insurance has been advised of the possibility of such damages.
The Website may contain links to third-party websites, including insurance carrier websites, state regulatory resources, and other external services. These links are provided for convenience only. Options Insurance does not endorse, control, or assume responsibility for the content, accuracy, security, or privacy practices of any linked third-party website.
Accessing third-party websites through links on this Website is at your own risk. We recommend reviewing the terms and privacy policies of any third-party site before submitting personal information to it.
Options Insurance reserves the right to modify the Website, its services, or these Terms and Conditions at any time without prior notice. Changes take effect upon posting to the Website. Your continued use of the Website following any change constitutes your acceptance of the updated Terms and Conditions.
We recommend reviewing this page periodically. The “Last revised” date at the top of this page indicates when these Terms were most recently updated.
These Terms and Conditions are governed by and construed in accordance with the laws of the State of Minnesota and the United States of America, without regard to conflict of law principles. Any disputes arising from your use of the Website shall be subject to the exclusive jurisdiction of the courts located in Carver County, Minnesota, unless otherwise required by applicable law.
Options Insurance may pursue all available legal and equitable remedies for violations of these Terms and Conditions, including restricting or blocking access to the Website from specific users or IP addresses.
If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable under applicable law, that provision shall be deemed severed from these Terms and Conditions. The remaining provisions shall continue in full force and effect.
The Website is not intended for use by children under the age of 18. Options Insurance does not knowingly collect personal information from minors. By using the Website, you confirm that you are at least 18 years of age. If we become aware that we have inadvertently collected information from a person under 18, we will take steps to delete that information promptly.
For questions about these Terms and Conditions or to report a concern about Website content, please contact us:
102 N Jonathan Blvd #210
Chaska, MN 55318
In California, we operate as Novallus Insurance Brokers.