Terms and conditions
1. Acceptance of Terms
By accessing or using the Liberty Bell Insurance website (“Site”), you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, please do not use this Site. These Terms apply to all visitors, users, and anyone who accesses or uses the Site.
2. About Liberty Bell Insurance
Liberty Bell Insurance is an independent insurance agency licensed to operate in the state of Florida. We work with a broad selection of insurance carriers and Managing General Agents (MGAs) to offer multiple lines of insurance coverage, including auto, home, health, and commercial insurance products.
3. No Insurance Contract Created Online
The information, quote requests, and other materials available on this Site do not constitute an offer, commitment, or binding insurance contract. No coverage is bound or in force until a formal application has been completed, reviewed, and accepted by an authorized insurance carrier, and a policy has been issued in writing. Any quotes generated through this Site are estimates only and are subject to change based on underwriting review.
4. Accuracy of Information
You agree to provide accurate, current, and complete information when submitting quote requests, applications, or any other forms on this Site. Liberty Bell Insurance is not responsible for errors, delays, or coverage issues arising from inaccurate or incomplete information provided by you.
5. Online Services
This Site may allow you to:
- Request insurance quotes for auto, home, health, and commercial coverage
- Make payments toward your insurance policy premium
- Submit service inquiries related to your policy or coverage needs
Use of these online services is subject to these Terms as well as any additional terms presented at the time of the transaction. Payment processing is handled through secure third-party providers, and Liberty Bell Insurance does not store your full payment card information.
6. Billing & Payment
By providing a valid payment method through this Site, you authorize Liberty Bell Insurance or its authorized payment processor to charge the specified amount to your payment method. The amount and billing date will be clearly stated at the time of the transaction and confirmed via email receipt.
Your payment method will be stored securely with our third-party payment processor and will not be used or stored for any purpose other than processing authorized transactions. You are solely responsible for keeping your payment method information accurate and current. Liberty Bell Insurance is not liable for failed transactions or lapsed coverage resulting from outdated or invalid payment information.
7. Accounts
If Liberty Bell Insurance offers a client portal or account-based features, the following applies:
You must be at least 18 years of age to create an account. You agree that all information you provide during registration is accurate, complete, and current. You are responsible for maintaining the confidentiality of your account credentials, including your password, and for all activities that occur under your account. You must notify us immediately if you become aware of any unauthorized use of your account or any security breach.
We reserve the right to refuse service, suspend, or terminate accounts at our sole discretion, including for violation of these Terms.
8. No Guarantee of Coverage
Liberty Bell Insurance acts as an intermediary between you and insurance carriers. We do not underwrite insurance policies and cannot guarantee that coverage will be approved, renewed, or continue to be available. All coverage decisions are made by the respective insurance carrier.
9. Licensing & Professional Advice
Liberty Bell Insurance is a licensed insurance agency. However, the content on this Site is provided for general informational purposes only and does not constitute professional legal, financial, or insurance advice. You should consult with a licensed insurance professional to determine the coverage that is appropriate for your specific needs.
10. Intellectual Property
All content on this Site, including but not limited to text, graphics, logos, images, and software, is the property of Liberty Bell Insurance or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or use any content from this Site without our prior written permission.
11. Feedback
If you submit any feedback, suggestions, ideas, or recommendations to Liberty Bell Insurance through this Site, by email, or by any other means, you hereby assign to Liberty Bell Insurance all right, title, and interest in such feedback. Liberty Bell Insurance is free to use any feedback for any purpose without attribution or compensation to you.
12. Transactional Emails
Liberty Bell Insurance may send you email notifications related to your use of our services, including confirmations of quote requests, payment receipts, policy updates, and changes to these Terms. By submitting your information through this Site, you agree to receive these transactional emails. These emails are considered part of and binding under these Terms and Conditions.
13. SMS & Communication Consent
By submitting a quote request or inquiry through this Site, you consent to being contacted by Liberty Bell Insurance via SMS/text message, phone call, or email regarding your inquiry or insurance services. You may opt out at any time by replying STOP to any text message or by contacting us directly. Standard message and data rates may apply.
14. Mobile Opt-In Data Protection
Mobile opt-in data and consent obtained for SMS/text communications will not be shared, sold, or rented to third parties for their own marketing purposes. This data is used solely to facilitate the communications you have authorized and to deliver the insurance services you have requested.
15. Third-Party Links
This Site may contain links to third-party websites for your convenience. Liberty Bell Insurance does not endorse, control, or assume responsibility for the content, privacy practices, or terms of any third-party websites. We strongly encourage you to review the terms and privacy policies of any third-party sites you visit. Visiting those links is at your own risk.
16. Disclaimer of Warranties
This Site and its content are provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Liberty Bell Insurance does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We reserve the right to modify, suspend, or discontinue any part of the Site at any time without notice.
17. Limitation of Liability
To the fullest extent permitted by applicable law, Liberty Bell Insurance, its owners, employees, agents, and partners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this Site or its content. This includes but is not limited to damages resulting from reliance on information obtained through this Site, unauthorized access to your data, or any third-party conduct on or through the Site.
18. Indemnification
You agree to defend, indemnify, and hold harmless Liberty Bell Insurance and its affiliates, employees, contractors, agents, officers, and directors from and against any and all claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising out of your use of this Site, your violation of these Terms, or your violation of any rights of a third party.
19. Privacy
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. All data we collect is used for internal and service-related purposes only. We do not sell your personal information to third parties. Please review our full Privacy Policy at www.libertybellinsurance.net for complete details.
20. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions of these Terms shall continue in full force and effect.
21. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Miami-Dade County, Florida.
22. Changes to These Terms
Liberty Bell Insurance reserves the right to update or modify these Terms at any time. For material changes, we will provide at least 15 days notice before the new terms take effect, either by posting a notice on this Site or by contacting you directly. Your continued use of the Site after any changes become effective constitutes your acceptance of the updated Terms. If you do not agree to the revised Terms, you are no longer authorized to use this Site.
23. Contact Us
If you have any questions or concerns regarding these Terms and Conditions, please contact us at:
Liberty Bell Insurance Mailing: 1217 W 44th Pl, Hialeah, FL 33012
Phone: 305-823-5578
Email: info@libertybellinsurance.net