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Local independent insurance agency licensed in Rhode Island & Massachusetts.

361 Dexter St, Central Falls, RI 02863

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info@totalinsurancefin.com

Total Insurance & Financial Services LLC

Website Terms & Conditions

Effective Date: September 10, 2026

1. User’s Acknowledgment and Acceptance of Terms

Total Insurance & Financial Services LLC (“Total Insurance,” “we,” “us,” or “our”) provides this website and related online services (collectively, the “Site”) subject to your compliance with these Terms & Conditions (“Terms of Use”).


By accessing, browsing, submitting information through, or otherwise using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.


We reserve the right to modify these Terms of Use at any time. Changes will become effective when posted on this Site. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.


References to our “Affiliates” may include our owners, employees, representatives, service providers, insurance carriers, technology providers, business partners, and other parties involved in providing services through or in connection with this Site.

2. Description of Services

Total Insurance & Financial Services LLC is an independent insurance agency. Through this Site, we may provide services including, but not limited to:
 

  • Personal automobile insurance quotes

  • Homeowners and property insurance quotes

  • Commercial insurance quotes

  • Commercial auto and trucking insurance quotes

  • Life insurance inquiries

  • Appointment scheduling

  • Requests for policy servicing

  • Requests for certificates of insurance

  • Insurance information and educational materials

  • Quote comparisons from multiple insurance carriers
     

The availability of insurance products, carriers, rates, discounts, eligibility, and coverage options may vary based on your location, underwriting information, risk characteristics, carrier requirements, and applicable law.


We reserve the right to modify, suspend, or discontinue any portion of the Site or services offered through the Site at any time.

3. Insurance Quotes and Coverage Disclaimer

Any insurance quote, premium indication, rate, estimate, comparison, or coverage information provided through this Site is for informational purposes only and is subject to verification and approval by the applicable insurance carrier.


Quotes are not guarantees of price, eligibility, coverage, or policy issuance.


Submitting a quote request, application, payment information, document, or other information through this Site does not automatically create, bind, modify, renew, reinstate, or extend insurance coverage.


Insurance coverage becomes effective only when it has been properly bound or issued by an authorized insurance carrier or its authorized representative and all applicable underwriting requirements and payment requirements have been satisfied.


No statement on this Site should be interpreted as confirmation that insurance coverage is currently in force.


You should not cancel, modify, or allow an existing insurance policy to expire based solely on a quote or communication received through this Site.


The terms, conditions, exclusions, limitations, endorsements, deductibles, and coverage provisions contained in the actual insurance policy issued by the carrier control in the event of any difference between information presented on this Site and the insurance policy.

4. Insurance Carriers and Independent Agency Relationship

Total Insurance & Financial Services LLC may work with multiple insurance companies, wholesalers, managing general agents, brokers, and other insurance markets in order to obtain insurance options for customers.


We may compare available rates and coverage options from participating insurance providers; however, we do not represent that we obtain quotes from every insurance company in the market or that the lowest-priced insurance product available anywhere will necessarily be presented.


Insurance products are underwritten and issued by third-party insurance carriers. Each insurance carrier determines its own eligibility requirements, underwriting guidelines, rates, discounts, coverage terms, and policy conditions.


Total Insurance & Financial Services LLC does not control the underwriting decisions of insurance carriers.

5. Accuracy of Information Provided by Users

You agree that all information you provide through this Site or to Total Insurance & Financial Services LLC in connection with an insurance quote, application, policy, endorsement, certificate, or other insurance transaction will be accurate and complete to the best of your knowledge.


Insurance companies may rely upon information you provide when determining eligibility, premiums, coverage, or whether a policy will be issued.


Incorrect, incomplete, misleading, or omitted information may result in changes to premiums, denial of coverage, cancellation, nonrenewal, rescission, denial of a claim, or other consequences permitted by the applicable insurance policy and law.


You are responsible for reviewing applications, quotes, policy documents, identification information, vehicle information, property information, business information, coverage selections, limits, deductibles, and other documents for accuracy.

You should promptly notify us if you discover incorrect or outdated information.

6. Third-Party Websites and Services

This Site may contain links to insurance carriers, payment processors, document-signing platforms, financing companies, governmental agencies, or other third-party websites and services.

These third-party websites and services are not controlled by Total Insurance & Financial Services LLC.

We are not responsible for the availability, accuracy, security, privacy practices, content, products, services, terms, or operation of third-party websites.

A link to a third-party website does not constitute an endorsement or guarantee of that third party or its products or services.

Your use of third-party websites is subject to the terms and privacy policies established by those third parties.

7. Intellectual Property
 

Unless otherwise indicated, the content of this Site, including text, graphics, logos, designs, photographs, videos, layouts, and other materials created or owned by Total Insurance & Financial Services LLC, is protected by applicable intellectual property laws.


Third-party names, logos, insurance carrier trademarks, service marks, and other intellectual property appearing on the Site remain the property of their respective owners.


The appearance of an insurance carrier's name or logo on this Site does not necessarily mean that every insurance product offered by that carrier is available through Total Insurance & Financial Services LLC in every jurisdiction.


You may not reproduce, distribute, modify, republish, commercially exploit, or otherwise use protected Site content without the appropriate authorization.

Total Insurance & Financial Services LLC. All rights reserved.

8. Disclaimer of Warranties
 

This Site and its content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by applicable law, Total Insurance & Financial Services LLC makes no warranty, express or implied, regarding the operation, availability, accuracy, completeness, reliability, or security of this Site.


We do not warrant that:

  • The Site will always be available or error-free;

  • Information displayed on the Site will always be current;

  • Every insurance carrier or product will be available to every applicant;

  • A quote will result in issuance of an insurance policy;

  • Rates shown or discussed will remain unchanged; or

  • Third-party services connected with this Site will operate without interruption.


Insurance rates, underwriting requirements, carrier appetite, coverage availability, and policy terms may change without notice.

9. Limitation of Liability
 

To the fullest extent permitted by applicable law, Total Insurance & Financial Services LLC and its Affiliates shall not be liable for any indirect, incidental, special, punitive, exemplary, or consequential damages arising from or related to the use of this Site.


We are not responsible for losses resulting from reliance on an unconfirmed insurance quote, incorrect information submitted by a user, carrier underwriting decisions, unavailable insurance markets, interruptions in third-party systems, or delays outside of our reasonable control.


Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.

10. Electronic Communications
 

By communicating with us electronically, including through website forms, email, text message, or other electronic methods, you consent to receiving communications from us electronically in connection with your inquiry or insurance services.


Electronic communications may include quote information, requests for documents, policy-related communications, appointment information, payment reminders, service updates, and other communications related to your relationship with Total Insurance & Financial Services LLC.


Electronic communication is not guaranteed to be secure or error-free.


Urgent requests involving cancellation, reinstatement, coverage changes, binding of insurance, claims, or time-sensitive policy matters should not be considered completed merely because an electronic message was sent.


You should receive confirmation from an authorized representative when confirmation is required.

11. Indemnification
 

To the extent permitted by applicable law, you agree to indemnify and hold harmless Total Insurance & Financial Services LLC and its Affiliates from claims, liabilities, damages, costs, and expenses arising from your misuse of this Site, violation of these Terms, or submission of fraudulent, unauthorized, or materially inaccurate information.

12. International Use
 

Although this Site may be accessible outside the United States, Total Insurance & Financial Services LLC makes no representation that insurance products or services described on this Site are available or legally permitted outside the jurisdictions in which we are authorized to conduct business.


Insurance services are offered only where Total Insurance & Financial Services LLC and the applicable insurance providers are properly authorized to conduct the relevant insurance activity.


Users accessing this Site from outside the United States are responsible for compliance with applicable local laws.

13. Governing Law
 

This Site is operated by Total Insurance & Financial Services LLC from the State of Rhode Island, United States.


To the extent permitted by applicable law, these Terms of Use and any dispute arising from the use of this Site shall be governed by the laws of the State of Rhode Island, without regard to its conflict-of-law principles.


Any legal action relating to these Terms or use of the Site shall be brought in a court of competent jurisdiction as required or permitted under applicable law.

14. Notices and Communications
 

Notices to Total Insurance & Financial Services LLC relating to these Terms should be submitted using the contact information provided on this Site.


We may provide notices regarding changes to these Terms, the Site, or other important matters by posting notices on the Site or through other reasonable methods of communication.

15. Entire Agreement
 

These Terms of Use constitute the agreement between you and Total Insurance & Financial Services LLC regarding your use of this Site, except where another written agreement specifically applies.


If any provision of these Terms conflicts with another agreement applicable to a specific insurance transaction, the applicable insurance contract, carrier documentation, or separately executed agreement will control as required by law.

16. Severability
 

If any provision of these Terms is determined to be invalid, illegal, or unenforceable, that provision shall be interpreted or limited to the extent necessary to comply with applicable law, and the remaining provisions shall remain in effect.

17. No Waiver
 

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or of our right to enforce it later.

18. Changes to the Website
 

We may change, update, suspend, restrict, or discontinue any portion of this Site at any time without prior notice.

We are not responsible for delays or interruptions caused by circumstances outside our reasonable control, including internet outages, system failures, natural disasters, governmental actions, carrier system outages, or third-party service interruptions.

19. Acceptance of Terms
 

By continuing to access or use this Site, you acknowledge that you have read, understood, and agree to these Terms & Conditions.

                                                                         Messaging Terms & Conditions
 

By opting in to receive messages from Total Insurance & Financial Services LLC (“we,” “us,” or “our”), you agree to receive communications by SMS, MMS, and WhatsApp related to insurance quotes, applications, appointments, policy servicing, reminders, customer service, and promotional offers. 

Message frequency may vary. Message and data rates may apply. Consent to receive marketing messages is not required to purchase insurance or services from us.

Opt-Out
 

You may stop receiving SMS/MMS messages by replying STOP. For WhatsApp, you may opt out by replying STOP, asking us to stop messaging you, or blocking our WhatsApp account.

For assistance, reply HELP or contact us using the information provided on our website.

Message Delivery


We are not responsible for delayed or undelivered messages caused by wireless carriers, WhatsApp, internet or network issues, device limitations, or other circumstances outside our control.

Messages should not be relied upon for urgent or time-sensitive insurance requests.

Insurance Coverage

Sending or receiving a message by SMS, MMS, or WhatsApp does not bind, modify, cancel, reinstate, or otherwise change insurance coverage.

Coverage changes are only effective when confirmed by Total Insurance & Financial Services LLC or the applicable insurance carrier.

Insurance policy documents control in the event of any difference between a message and the actual policy.

Privacy

We use your phone number and information to communicate with you and provide requested services.

We do not sell or rent your phone number to third parties for their independent marketing purposes. Information may be shared with service providers or insurance companies when necessary to provide services or comply with applicable law.

Terms
 

These terms are governed by the laws of the State of Rhode Island.

We may update these terms from time to time. Continued participation in our messaging program after changes are made constitutes acceptance of the updated terms.

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