TERMS AND CONDITIONS

Effective Date: September 16, 2026
Last Updated: September 16, 2026

Welcome to Juvier Family Insurance LLC (“Juvier Family Insurance,” “we,” “us,” or “our”).

These Terms and Conditions (“Terms”) govern your access to and use of our website, online services, quote-request forms, communications, and related services (collectively, the “Services”).

By accessing or using our website or submitting information through our Services, you acknowledge that you have read, understood, and agree to these Terms.

If you do not agree with these Terms, please do not use our website or Services.

Juvier Family Insurance LLC is a Florida insurance agency. Insurance products and services are subject to applicable licensing, appointment, underwriting, eligibility, and regulatory requirements.

Juvier Family Insurance LLC provides insurance agency and insurance-related services through appropriately licensed insurance professionals and authorized insurance carriers.

Depending on availability, licensing, appointments, eligibility, and the products offered by participating insurance companies, we may assist customers with insurance products such as:

• Auto Insurance
• Homeowners Insurance
• Property Insurance
• Renters Insurance
• Business Insurance
• Commercial Insurance
• Trucking Insurance
• Boat Insurance
• Health Insurance
• Life Insurance
• Other insurance products and services

Not every product, carrier, coverage, or service is available to every customer or in every state.

Information provided through our website, advertisements, forms, telephone calls, text messages, emails, or other communications may be used to prepare an insurance quote or proposal.

A quote is not a policy, binder, certificate of insurance, or guarantee that coverage will be issued.

Final premiums, coverage, deductibles, limits, exclusions, eligibility, underwriting requirements, and policy terms are determined by the applicable insurance company and the final policy documents.

A customer should not cancel existing insurance or rely on a quote as evidence of coverage until the requested insurance has been properly issued and the effective date of coverage has been confirmed.

You agree to provide accurate, current, and complete information when requesting a quote, applying for insurance, communicating with us, or using our Services.

This may include information regarding:

• Your identity
• Address
• Contact information
• Vehicles and drivers
• Property
• Business operations
• Claims history
• Driving history
• Insurance history
• Employment or financial information when applicable
• Other information reasonably necessary for insurance underwriting

You understand that inaccurate, incomplete, misleading, or outdated information may affect eligibility, pricing, underwriting, or coverage.

You are responsible for reviewing applications and other documents before signing or submitting them.

Juvier Family Insurance LLC may compare insurance products or obtain quotes from insurance companies with which the agency is authorized to transact business.

However, we do not guarantee that:

• We will find the lowest available premium;
• Another insurer does not offer a lower price;
• A particular insurance company will accept your application;
• A particular coverage will be available;
• Your premium will remain unchanged;
• A quote will remain available for any particular period; or
• Your application will be approved.

Insurance premiums and eligibility are determined by applicable insurance companies and underwriting rules.

If information on this website or in any communication differs from the terms of an actual insurance policy, endorsement, application, binder, certificate, or other official insurance document, the applicable insurance document controls.

Customers should carefully review all insurance documents and contact Juvier Family Insurance LLC or the applicable insurance company with questions regarding coverage.

Information published on our website is provided for general informational and educational purposes.

Website content does not constitute a complete description of any insurance policy and should not be interpreted as legal, tax, financial, or insurance advice for a particular situation.

Insurance coverage depends on the specific policy, endorsements, exclusions, conditions, definitions, limits, deductibles, and other provisions contained in the applicable policy.

Submitting an online form or quote request does not automatically create an insurance application, insurance policy, binder, or coverage.

Submission of information does not guarantee that Juvier Family Insurance LLC will be able to provide a quote or obtain coverage.

We may contact you to obtain additional information, clarify information, verify information, or complete an application.

By voluntarily providing your telephone number, mobile number, email address, or other contact information, you may be contacted by Juvier Family Insurance LLC regarding your insurance inquiry, quote, application, policy, account, or requested services.

Depending on the communications you authorize, communications may occur by:

• Telephone
• Email
• Text message/SMS
• Online messaging
• Other electronic communication methods

Message and data rates may apply to SMS or mobile communications according to your mobile carrier's terms.

You may request that certain communications stop, subject to communications that are necessary to service an insurance policy, comply with legal requirements, or otherwise administer your account.

Where legally required, applicable consent will be obtained before sending marketing communications or automated communications.

Where permitted by law, you may receive insurance-related documents electronically.

Electronic signatures, electronic records, and electronic communications may have the same legal effect as paper documents where permitted by applicable law.

You are responsible for maintaining access to your email address and other electronic communication methods that you provide to us.

Juvier Family Insurance LLC may work with multiple insurance companies and insurance-related providers.

Availability of an insurance product depends upon the agency's current relationships, licenses, appointments, carrier guidelines, underwriting requirements, and applicable law.

Juvier Family Insurance LLC does not control the underwriting decisions of an insurance company.

An insurance company may accept, reject, modify, restrict, cancel, nonrenew, or otherwise administer coverage in accordance with the applicable policy and law.

Insurance premiums are generally owed according to the payment terms established by the applicable insurance company or billing entity.

A quote or application does not guarantee that payment has been received.

Unless expressly authorized and documented, Juvier Family Insurance LLC does not guarantee that a payment made to or through the agency has been credited to a particular insurance policy.

Customers should retain payment confirmations and promptly contact the appropriate insurance company or agency if there is any question concerning payment status.

Failure to pay premiums when due may result in cancellation, nonrenewal, lapse, or other action permitted under the applicable policy and law.

Juvier Family Insurance LLC may assist customers with contacting or communicating with an insurance company concerning a claim, where appropriate.

However, claims are generally investigated, evaluated, and adjusted by the applicable insurance company or its authorized claims representatives.

Juvier Family Insurance LLC does not guarantee the outcome of a claim.

Customers should report claims promptly in accordance with their insurance policy and applicable insurance company instructions.

For emergencies, customers should contact appropriate emergency services before contacting an insurance agency.

Our website may contain links to third-party websites, insurance company websites, payment portals, applications, forms, or other services.

Third-party websites and services are governed by their own terms and privacy policies.

Juvier Family Insurance LLC does not control and is not responsible for the content, availability, security, privacy practices, or terms of third-party websites.

We may collect and use information that you voluntarily provide to us in connection with insurance quotes, applications, customer service, policy servicing, communications, and other legitimate business purposes.

Information may be shared with insurance companies, vendors, service providers, and other parties when reasonably necessary to provide requested insurance services, process applications, administer policies, communicate with customers, comply with legal requirements, prevent fraud, or perform other permitted business functions.

For additional information regarding the collection, use, disclosure, retention, and protection of personal information, please review our Privacy Policy.

Because insurance transactions may require sensitive personal information, customers should exercise caution when submitting information through email, text messages, online forms, or other communication channels.

Do not send passwords, complete payment-card numbers, Social Security numbers, or other highly sensitive information through an unsecured communication method unless specifically instructed through an appropriate secure process.

We may request additional information through secure methods when required to process an insurance transaction.

We take reasonable measures intended to protect our website and information submitted through our Services.

However, no website, electronic communication system, or internet transmission can be guaranteed to be completely secure.

You acknowledge that internet transmissions may involve risks beyond our reasonable control.

Unless otherwise indicated, website content—including text, graphics, logos, photographs, designs, trademarks, service marks, videos, and other materials—is owned by or licensed to Juvier Family Insurance LLC and is protected by applicable intellectual-property laws.

You may view and use website content for personal, non-commercial purposes related to evaluating our Services.

You may not reproduce, distribute, modify, publish, sell, license, or commercially exploit our website content without prior written permission.

You agree not to:

• Use the website for unlawful purposes;
• Submit false or misleading information;
• Attempt to impersonate another person;
• Attempt to gain unauthorized access to our systems;
• Interfere with website operation or security;
• Introduce malicious software or harmful code;
• Scrape or systematically copy website content without authorization;
• Use our website to commit fraud;
• Submit information belonging to another person without authorization; or
• Use the Services in a manner that violates applicable law.

We may modify, suspend, discontinue, or restrict access to portions of our website or Services at any time.

We do not guarantee that the website will always be available, uninterrupted, error-free, or free of harmful components.

Insurance services may also be unavailable during periods of system maintenance, carrier outages, emergencies, or circumstances outside our reasonable control.

Information provided through our website should not be considered legal, tax, accounting, investment, medical, or other professional advice.

You should consult an appropriately qualified professional for advice outside the scope of insurance agency services.

To the fullest extent permitted by applicable law, Juvier Family Insurance LLC and its owners, officers, employees, agents, representatives, contractors, and service providers shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the website or Services, except to the extent such limitation is prohibited by law.

Nothing in these Terms is intended to waive rights or remedies that cannot legally be waived under applicable Florida or federal law.

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Juvier Family Insurance LLC and its owners, officers, employees, agents, representatives, contractors, and service providers from claims, losses, liabilities, damages, costs, and expenses arising from your unlawful use of the website, violation of these Terms, fraud, intentional misconduct, or submission of inaccurate or unauthorized information.

Juvier Family Insurance LLC intends to conduct its business in accordance with applicable federal and state laws and regulations.

Nothing in these Terms is intended to limit any consumer protection, insurance, privacy, or other legal rights that cannot lawfully be limited or waived.

Florida law regulates insurance agencies, agents, licensing, appointments, solicitation, and insurance transactions. Florida law requires appropriate licensing and appointment for persons engaging in regulated insurance activities.

We encourage customers to contact Juvier Family Insurance LLC first when they have questions, concerns, or complaints regarding our Services.

We will make reasonable efforts to review and respond to customer concerns.

Customers may also have rights to contact the appropriate Florida regulatory authorities regarding insurance-related matters.

The Florida Department of Financial Services provides consumer resources for verifying insurance agents and agencies and for obtaining information about insurance transactions.

We may update these Terms from time to time.

When changes are made, the updated version may be posted on our website with a revised “Last Updated” date.

Your continued use of the website after updated Terms are posted constitutes acceptance of the revised Terms to the extent permitted by law.

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, the remaining provisions will remain in effect to the fullest extent permitted by law.

These Terms, together with any applicable Privacy Policy, website notices, agreements, disclosures, and insurance documents, constitute the terms governing your use of our website and Services, except where a separate written agreement or applicable insurance policy controls.

These Terms shall be governed by the laws of the State of Florida, except to the extent federal law or another applicable law requires otherwise.

Juvier Family Insurance LLC
Florida Insurance Agency

Phone: 352-736-1658
Website: juvierfamilyinsure.com

For questions regarding these Terms and Conditions, insurance quotes, policies, or our Services, please contact Juvier Family Insurance LLC using the contact information provided on our website.

Insurance coverage is subject to the terms, conditions, exclusions, limitations, deductibles, and other provisions of the applicable insurance policy. A quote or application does not constitute a guarantee of coverage. Coverage is not effective unless and until properly issued or otherwise confirmed by the applicable insurance company or authorized representative.

Please review your insurance policy and related documents carefully. If you have questions about your coverage, contact Juvier Family Insurance LLC or the applicable insurance company.