Carlsbad Insurance Brokerage (CIB) is a licensed insurance agency providing services and information for general educational and informational purposes only. The content presented on this website, in print, or in any communication is not intended as legal, tax, or financial advice, nor does it create a client relationship.

All insurance products and services are subject to the terms, conditions, limitations, and exclusions set forth in the applicable insurance policies. Coverage availability and eligibility may vary by state and individual circumstances. We encourage you to consult directly with a licensed insurance professional before making any insurance decisions.

Carlsbad Insurance Brokerage makes no warranties or representations as to the accuracy, completeness, or timeliness of the information provided. Use of this site or any related materials is at your own risk.

For personalized advice, please contact us directly at Kierstin@CarlsbadBrokerage.com or (858) 776-6164.

Effective Date: 04/05/2025

Welcome to Carlsbad Insurance Brokerage (CIB). By accessing or using our website, services, or materials, you agree to comply with and be bound by the following Terms and Conditions. Please read them carefully.

1. Use of Website and Content

All content provided by CIB, including but not limited to text, graphics, logos, and downloadable materials, is for informational purposes only. It may not be copied, republished, or distributed without prior written consent from CIB.

2. No Guarantee of Coverage

Use of our website or communication with CIB does not constitute the binding of insurance coverage. Coverage is subject to approval by the carrier, completion of necessary applications, and receipt of any required payments. All products are subject to the terms and conditions of the issuing insurance company.

3. Licensing and Jurisdiction

CIB is licensed to transact insurance business in designated states. Insurance offerings and eligibility are limited to residents of states where CIB is authorized to operate. It is your responsibility to ensure any product or service is appropriate and available in your jurisdiction.

4. Limitation of Liability

Carlsbad Insurance Brokerage shall not be liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use our website or services, including but not limited to errors or omissions in content.

5. Third-Party Links

Our website may include links to external websites not maintained by CIB. We are not responsible for the content, privacy policies, or accuracy of information on third-party sites.

6. Privacy

Use of our website is also governed by our Privacy Policy, which outlines how we collect, use, and safeguard your personal information.

7. Changes to Terms

CIB reserves the right to modify these Terms and Conditions at any time without prior notice. Continued use of our services constitutes acceptance of any revisions.

8. Contact

For questions regarding these Terms and Conditions, please contact: Carlsbad Insurance Brokerage
Kierstin@CarlsbadBrokerage.com
(858) 776-6164