Terms & Conditions

Last updated: September 2026 · Applies to the website at bestinsuraneconsultancy.site and the advisory services provided by Best Insurance Consultancy.

1. Who We Are and What We Do

Best Insurance Consultancy ("we", "us", "our") is an independent insurance advisory and consulting firm located at 16192 Coastal Highway, Lewes, Delaware 19958. We provide advice, analysis and comparison services related to insurance coverage for individuals, families and businesses.

We are not an insurance company, insurer, underwriter or insurance agent. We do not issue, bind, underwrite, or service insurance policies. Where our advice leads to the purchase of coverage, the policy is issued solely by an independent licensed insurance carrier or agent, and the relationship between you and that carrier is governed by the policy documents they issue — not by this website or by us.

2. Nature of Our Services

Our services may include, but are not limited to:

• Reviewing existing insurance coverage and identifying gaps or overpayment;
• Comparing products, rates and terms offered by multiple insurance carriers;
• Providing written summaries and educational explanations of coverage options;
• Guiding clients toward independent licensed carriers and agents for placement of coverage; and
• Ongoing review and check-in services for existing coverage.

Our initial consultation and policy review are provided free of charge. Any additional paid services (for example, multi-property portfolio reviews or commercial risk assessments) will be agreed in writing with you before the work begins.

3. No Guarantee of Coverage, Rates or Renewals

Insurance availability, rates, terms and benefits are determined solely by the applicable carrier and can change without notice. We cannot guarantee that any particular policy will be offered, approved, renewed, or priced as discussed during a review. Quoted figures are estimates at the time they are provided and are subject to the underwriting decisions of the issuing carrier.

4. Client Responsibilities

Our recommendations depend on the information you provide — including the value of your assets, your income, your health history where relevant, and the details of any existing policies. You are responsible for the accuracy and completeness of that information. If your circumstances change, you should tell us promptly; we accept no responsibility for advice that was based on outdated or incorrect information.

5. Not Legal, Tax or Investment Advice

Our advice is limited to insurance. While some insurance products interact with estate, tax or investment planning, we do not provide legal, tax or investment advice, and nothing on this website or in our communications should be treated as such. Please consult a qualified attorney, CPA or financial advisor for those matters.

6. Confidentiality

Information you share with us during a consultation — including personal, financial and policy details — is held in confidence and used only to provide our services. We will not disclose your information to third parties except where necessary to deliver the service you requested (for example, sharing a policy review with a carrier you authorize us to approach) or where disclosure is required by law. Data handling on this website is described in our Privacy Policy.

7. Third-Party Carriers and Agents

Any coverage you purchase is placed through third-party insurance carriers or licensed agents. We are not a party to the resulting insurance contract, we do not control the carrier's decisions, and we are not responsible for the carrier's service, claims handling or business practices. If you have a claim or a service issue, the appropriate contact is the issuing carrier or agent.

8. Limitation of Liability

Our services are advisory in nature. To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, consequential or punitive damages arising out of or in connection with our services or the use of this website. Our total liability for any claim relating to our services shall not exceed the fees (if any) actually paid by you to us in connection with the service giving rise to the claim. Nothing in these terms limits liability that cannot be limited under Delaware law.

9. Website Content

The content on this website is provided for general informational purposes and does not constitute an offer of insurance. Figures, savings examples and client statements are illustrative of individual situations and are not a promise of similar results. We review and update website content regularly, but we make no warranty that it is complete, current or error-free.

10. Governing Law

These Terms & Conditions are governed by the laws of the State of Delaware, without regard to its conflict-of-law rules. Any dispute arising out of or relating to them shall be subject to the exclusive jurisdiction of the state or federal courts located in Delaware.

11. Changes to These Terms

We may update these Terms & Conditions from time to time. The most current version will always be posted on this page with a "Last updated" date. Continued use of this website or our services after a change constitutes acceptance of the revised terms.

12. Contact