Terms of Service

Last updated: June 1, 2025

Please read these Terms of Service ("Terms") carefully before using the lozinsurance.com website operated by Contractors Choice Agency d/b/a LOZ Insurance ("Company," "we," "us," or "our"). By accessing or using our website, you agree to be bound by these Terms.

1. Use of Website

You may use this website for lawful purposes only. You agree not to use this website:

  • In any way that violates applicable federal, state, or local laws or regulations
  • To transmit any unsolicited commercial communications
  • To impersonate any person or entity or misrepresent your affiliation
  • To engage in any conduct that restricts or inhibits anyone's use of the website
  • To attempt to gain unauthorized access to any part of the website or its related systems
  • To upload, post, or transmit any content that is unlawful, harmful, threatening, abusive, or objectionable

2. Insurance Information Disclaimer

The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage descriptions are summaries only — actual policy terms, conditions, exclusions, and limitations control in the event of any claim. Insurance coverage cannot be bound or confirmed via this website.

Insurance products are subject to underwriting approval. Not all coverage types are available in all states or for all risks. Premium rates and coverage availability depend on individual risk characteristics and are determined by insurance carriers, not by LOZ Insurance.

Statements about coverage costs (e.g., "starting at" prices) are estimates only and do not represent a binding quote or offer of insurance. Contact us directly for an accurate quote based on your specific situation.

3. No Insurance Agency-Client Relationship

Submitting a contact form or quote request on this website does not create an insurance agency-client relationship, bind coverage, or guarantee any specific coverage or pricing. An agency-client relationship is established only when we have agreed in writing to represent you and have confirmed coverage with an authorized insurance carrier.

4. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Contractors Choice Agency or its content suppliers and is protected by copyright and intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without our express written permission.

5. Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience only. We have no control over third-party websites and are not responsible for their content, privacy practices, or accuracy. Inclusion of a link does not imply our endorsement of the linked website.

6. Disclaimer of Warranties

THIS WEBSITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL CONTRACTORS CHOICE AGENCY, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THIS WEBSITE OR THE INFORMATION CONTAINED HEREIN, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM OR RELATING TO THIS WEBSITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).

8. Indemnification

You agree to indemnify, defend, and hold harmless Contractors Choice Agency and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of this website or your violation of these Terms.

9. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy at lozinsurance.com/privacy.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions. Any legal action or proceeding relating to these Terms or this website shall be brought exclusively in the state or federal courts located in Maricopa County, Arizona.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will post updated Terms on this page with a revised effective date. Your continued use of the website after changes are posted constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the website.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms will remain in full force and effect.

13. Contact Information

If you have questions about these Terms, please contact us: