Terms and Conditions

PLEASE READ THESE TERMS AND CONDITIONS (“Terms”) BEFORE USING THIS SITE. As used in these Terms and any Additional Terms, “ContractorNerd,” “we,” “us,” or “our” refers to ContractorNerd Insurance Services, LLC and its subsidiaries and affiliated companies (collectively, “ContractorNerd”).

By accessing or using ContractorNerd’s websites, portals, data, information, products, applications, or services (collectively, “Services”), you acknowledge that you have read and understand these Terms and agree to be bound by them. If you do not accept or understand all of these Terms, do not access or use the Services.

PLEASE READ THESE TERMS CAREFULLY. THESE TERMS CONTAIN A MANDATORY INDIVIDUAL ARBITRATION PROVISION (SEE SECTION 28) AND A CLASS ACTION/JURY TRIAL WAIVER (SEE SECTION 29) THAT REQUIRE, TO THE EXTENT PERMITTED BY LAW, DISPUTES TO BE RESOLVED ON AN INDIVIDUAL BASIS.

1. Conditions of Service

Your use of the Services is also subject to our Privacy Policy and our Compensation Disclosure (together with any other policies or disclosures we expressly incorporate by reference, the “Additional Terms”). By accessing or using the Services, you agree to the Additional Terms as well.

You represent that you are at least 18 years of age and capable of entering into binding agreements.

You agree that all information you provide to ContractorNerd, whether about yourself or your organization, will be true, accurate, current, and complete. You agree to promptly notify ContractorNerd of any material changes that could impact your use of the Services or our ability to provide Services.

Electronic Signatures and Records. You agree that any document or electronic information delivered, presented, or accepted through the Services by clicking, checking a box, typing an electronic signature, or other electronic action shall be deemed “in writing” and “signed” for all purposes permitted by applicable law. You agree not to contest the legal effect, validity, or enforceability of such records solely because they are in electronic form.

Compliance and Acceptable Conduct. You agree: (i) to comply with applicable federal, state, and local laws and regulations; (ii) not to use the Services for false, fraudulent, illegal, or misleading purposes; (iii) not to use any device, software, or routine that interferes with the proper working of the Services; and (iv) to comply with any instructions we provide regarding authorized access to the Services.

2. Insurance Services

IMPORTANT: ContractorNerd is an insurance agency/insurance producer (agent and/or broker) licensed in certain U.S. states (see Section 12). ContractorNerd is not an insurance company, does not underwrite insurance, and cannot guarantee coverage, rates, or carrier decisions. Coverage is subject to carrier underwriting, policy terms, and applicable law.

2.A Insurance Brokerage/Agency Services

ContractorNerd may offer insurance producer services, including insurance brokerage and/or agency services (“Insurance Services”). You are not required to use ContractorNerd for Insurance Services in order to access certain features of the Services, where offered.

If you choose to use our Insurance Services, you agree to the following:

Broker/Agent of Record. You authorize ContractorNerd Insurance Services, LLC to act as your insurance producer (broker and/or agent) of record for the lines of coverage and policies you request through us, where applicable, and you authorize us to communicate this designation to insurance carriers, wholesalers, MGAs, prior producers, and other parties as reasonably necessary to provide Insurance Services.
Submissions and Information Sharing for Quoting/Placement. You authorize ContractorNerd to collect, use, and disclose information you provide (and information we lawfully obtain from third parties) to insurance carriers, wholesalers, MGAs, premium finance providers, and technology platforms used for insurance submissions and quoting (for example, Bold Penguin and its affiliates), solely for purposes of quoting, underwriting, placing, binding (when authorized), servicing, and administering insurance requested by you, and related compliance and fraud-prevention activities, as described in our Privacy Policy.
Your Cooperation and Accuracy. You agree to provide accurate and complete information needed for quoting and servicing. You acknowledge that inaccurate or incomplete information may result in delays, declinations, rescission, claim denial, or other adverse outcomes.
Exclusive Producer Relationship (If Applicable). For any policy for which ContractorNerd is producer of record, you agree to work with ContractorNerd regarding that policy unless we otherwise agree in writing or you replace the producer of record in accordance with applicable law and carrier requirements.
Compensation. You acknowledge that ContractorNerd may receive commissions, fees, or other compensation from insurance carriers or other parties in connection with Insurance Services. See our Compensation Disclosure for more information.
Payments. If premium or other payments are made through a third-party processor or financing provider, you agree to their terms and any transaction fees they charge (which may be separate from ContractorNerd’s compensation).

2.B No Sale of “Leads”

ContractorNerd is an insurance agency/broker and does not sell your personal information as “leads” to third parties for their independent marketing or lead-generation purposes. We may share information with insurance market participants and service providers as needed to provide Insurance Services and operate the Services, as described in our Privacy Policy.

3. Intellectual Property Ownership

The Services and all trademarks, trade names, service marks, content, materials, designs, text, photographs, video, audio, graphics, data compilations, and other materials made available through the Services (collectively, “Content”) are owned by ContractorNerd or its licensors and are protected by U.S. and international intellectual property laws.

Except as expressly permitted by these Terms, you may not copy, reproduce, modify, distribute, display, perform, publish, license, create derivative works from, or use any Content without ContractorNerd’s prior written permission.

3.A Digital Millennium Copyright Act (“DMCA”) Notice

If you believe material available through the Services infringes your copyright, please send a written notice to the DMCA Agent below that includes: (a) identification of the work claimed to be infringed, (b) identification of the material to be removed, (c) your contact information, (d) a statement of good‑faith belief that use is unauthorized, (e) a statement under penalty of perjury that the information is accurate and you are the copyright owner or authorized to act, and (f) your signature.

Designated Agent:
ContractorNerd Insurance Services, LLC
Attn: DMCA Agent
One Harbor Drive, Suite 300
Sausalito, California 94965
hello@contractornerd.com

We will respond to valid notices under 17 U.S.C. § 512(c) and remove or disable access to the allegedly infringing content as appropriate.

4. Restrictions on Use

Subject to these Terms, ContractorNerd grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your internal personal or business purposes.

You may not use the Services to build, benchmark, develop, or operate a competing product or service, or for any unauthorized commercial exploitation of the Services or Content.

4.A Additional Acceptable‑Use Rules

You agree you will not:

Scrape, crawl, or use automated means to access the Services for competitive, data-harvesting, or rate-limiting evasion purposes.
Decompile, reverse engineer, or attempt to derive source code (except to the extent such restriction is prohibited by law).
Upload malware, ransomware, or any code designed to disrupt, damage, or limit the Services.
Harass, threaten, defame, or abuse other users or ContractorNerd personnel.
Send unlawful or unsolicited commercial messages (email/SMS/calls) through the Services without required consent.
Bypass or attempt to bypass security or access controls.

Violation may result in suspension or termination of access, in addition to any other remedies.

5. Customer Name/Logo Use; Marketing

Service Display. If you are using the Services on behalf of a business or organization, you grant ContractorNerd a limited, non-exclusive, royalty-free license to display your business name and, if provided by you, your logo within the Services solely as reasonably necessary to provide the Services (for example, account identification, certificates, proposals, or dashboards).

External Marketing. ContractorNerd will not use your name, logo, or likeness in external advertising, testimonials, press releases, or case studies without your prior written permission (which may be granted via a separate written agreement or an in-product permission workflow where available).

6. Disclaimer of Warranties — General

USE OF THE SERVICES, CONTENT, AND ANY MATERIALS OBTAINED THROUGH THE SERVICES IS AT YOUR OWN RISK. THE SERVICES AND CONTENT ARE PROVIDED “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS.” CONTRACTORNERD MAKES NO WARRANTIES OR CONDITIONS OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON‑INFRINGEMENT, EXCEPT TO THE EXTENT SUCH WARRANTIES ARE REQUIRED BY APPLICABLE LAW.

CONTRACTORNERD DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY CONTENT IS ACCURATE, COMPLETE, OR CURRENT. CONTRACTORNERD HAS NO OBLIGATION TO UPDATE ANY CONTENT.

SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THIS DISCLAIMER MAY NOT APPLY TO YOU IN WHOLE OR IN PART.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CONTRACTORNERD WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, GOODWILL, USE, DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE FOREGOING, CONTRACTORNERD IS NOT LIABLE FOR: (A) CARRIER OR THIRD-PARTY UNDERWRITING, PRICING, OR COVERAGE DECISIONS; (B) DELAYS OR FAILURES IN QUOTES, BINDING, ISSUANCE, ENDORSEMENTS, CERTIFICATES, OR CLAIM HANDLING CAUSED BY CARRIERS OR THIRD PARTIES; (C) YOUR FAILURE TO PROVIDE ACCURATE OR COMPLETE INFORMATION; OR (D) THIRD-PARTY SITES, TOOLS, OR SERVICES.

YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICES IS TO STOP USING THEM.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CONTRACTORNERD’S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE AMOUNT OF COMMISSION, FEE, OR OTHER REMUNERATION EARNED BY CONTRACTORNERD IN CONNECTION WITH SERVICES PROVIDED TO YOU DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

8. Waiver of Unknown Claims (California Civil Code § 1542)

You understand that you may be waiving rights with respect to claims that are currently unknown or unsuspected. To the extent applicable, you expressly waive the benefits of California Civil Code § 1542, which provides:

“A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.”

AND, TO THE EXTENT APPLICABLE, ANY SIMILAR RIGHTS UNDER ANY OTHER LAW.

If any of the limitations in Sections 6 through 8 are found to be invalid, ContractorNerd’s liability will be limited to the maximum extent permitted by applicable law.

9. Indemnification

You agree to defend, indemnify, and hold harmless ContractorNerd and its employees, representatives, suppliers, and agents from and against any claims, liabilities, damages, losses, and expenses (including attorneys’ fees) arising out of or related to: (i) your use of the Services; (ii) your violation of these Terms; (iii) your violation of any law or regulation; (iv) your infringement or alleged infringement of any intellectual property or other right; or (v) your use of third-party services.

ContractorNerd may assume the exclusive defense and control of any matter subject to indemnification, at its expense, and you agree to cooperate in that defense.

10. No Legal, Tax, or Professional Advice

Information provided through the Services is for general informational purposes only and does not constitute legal, tax, accounting, or other professional advice. Coverage is subject to the terms and conditions of your specific policy and applicable law.

You should consult qualified professionals regarding your specific situation. Do not delay seeking professional advice based on information from the Services.

11. Third-Party Services and Links

The Services may integrate or link to third-party websites, tools, vendors, platforms, payment processors, premium finance providers, or other services (“Third-Party Services”). ContractorNerd does not control and is not responsible for Third-Party Services, including their availability, content, privacy practices, or fees. Your use of Third-Party Services may be subject to separate terms and privacy policies.

Analytics and Session Recording Tools

ContractorNerd may use third-party analytics and session-recording tools (including, but not limited to, Microsoft Clarity, Clicky Analytics, and Google Analytics) to understand how users interact with our Services and to improve usability, content, and performance. These tools may collect information such as pages visited, clicks, scrolling activity, browser and device information, approximate location, and interactions with the site; and may use cookies or similar technologies. We configure these tools and our consent flows to comply with applicable law. Where required, we will request your consent before enabling certain analytics/session recording tools. For details and choices, please see our Privacy Policy and any cookie/consent controls made available on the Services.

12. Licensed Entities; No Solicitation Where Not Licensed

ContractorNerd Insurance Services, LLC is a licensed insurance agency/producer in various U.S. states. The Services are not intended as a solicitation for insurance in any jurisdiction where ContractorNerd is not properly licensed, appointed, or otherwise authorized.

License information: LICENSE PAGE
CA License #: 6015566
NPN: 21502273

13. Applications and Quotes

Submitting information or an application through the Services does not guarantee that a quote will be provided or that coverage will be bound. Quotes are estimates and may be subject to underwriting review, additional information, inspections, audits, or other conditions. A quote is not insurance coverage. Coverage exists only when confirmed by the insurer in writing (or by a binder where permitted) and subject to policy terms.

14. Benchmarking Data

Any benchmarking or comparative data is provided for informational purposes only and may be based on commercially available sources. ContractorNerd does not guarantee accuracy and such information is not a quote or offer of coverage at a specified price.

15. Insurance Companies and Underwriting Guidelines

Insurance companies (and, where applicable, MGAs/wholesalers acting on their behalf) decide whether to offer, renew, cancel, non-renew, or modify coverage, and on what terms. All insurance products are governed by the applicable policy terms, conditions, and exclusions. Prices, availability, and terms may change without notice.

ContractorNerd makes commercially reasonable efforts to provide accurate information, but does not guarantee availability, pricing, or carrier decisions.

16. Certificates of Insurance

ContractorNerd may obtain, review, and track certificates of insurance (“COIs”) for you. ContractorNerd does not independently verify all information in COIs. A COI is informational only and does not create coverage or legal obligations, confer rights, or amend policy terms. You should obtain and review the actual policy and consult counsel regarding contractual insurance requirements.

17. Policy Summaries

Any policy summaries, descriptions, or explanations provided by ContractorNerd are general in nature and for convenience only. They do not modify the policy and may be incomplete. You must rely on the actual policy language.

18. No Modification of Insurance Policy or Coverage

Unless expressly stated in writing by the insurer (or by ContractorNerd where we have written authority to bind/issue), nothing on the Services alters or amends any policy or coverage.

19. A.M. Best Ratings

A.M. Best ratings may be provided as a courtesy reference and may change. You should verify current ratings directly with A.M. Best or the insurer.

20. Decisions, Services, and Your Responsibilities; Electronic Communications

You agree that ContractorNerd may provide, and you agree to receive, communications and documents electronically to the extent permitted by law, including applications, proposals, policies, endorsements, notices, disclosures, invoices, and service communications (“Communications”).

You are responsible for maintaining accurate contact details, monitoring Communications, and ensuring appropriate access controls for your account (including Team Settings where available).

You acknowledge that certain service/transactional Communications are necessary to provide the Services and may not be opted out of while you maintain an active relationship with ContractorNerd (for example, notices about your policies, billing, or account security). Marketing communications may be opted out of as described in our Communications and Privacy practices.

20.A Electronic Communications Disclosure

To receive and retain electronic records, you must have: (i) a computer or mobile device with Internet access; (ii) a current web browser that supports modern TLS encryption; (iii) software to view PDF files; (iv) an active email account; and (v) sufficient storage space to save documents or the ability to print them.

You may withdraw consent to receive documents electronically, where legally permitted, by emailing hello@contractornerd.com or writing to our postal address (see Section 34). Withdrawal may prevent us from continuing to provide certain Services. Paper copies not required by law may incur a reasonable printing and mailing fee.

21. Surplus Lines Products

Some quotes or policies may be placed with surplus lines insurers. Surplus lines insurers may not be licensed/admitted in a given state and are not subject to the same level of state regulatory oversight as admitted insurers. If a surplus lines insurer becomes insolvent, state guaranty funds generally do not apply. Taxes, fees, and surcharges may be due and invoiced accordingly. Where required, you agree to execute surplus lines disclosures or forms promptly.

22. Payments

22.A General

Payment options may be made available in connection with Insurance Services. You agree to pay premiums, fees, taxes, and other amounts due in U.S. Dollars unless otherwise stated.

22.B Third‑Party Payment Processors

ContractorNerd may use third-party processors to facilitate payments. Their terms, fees, and policies apply. ContractorNerd is not responsible for third-party payment decisions or processor actions.

22.C Premium Financing

If you select premium financing, you agree you are authorized to enter into financing agreements on behalf of the insured and that information provided for financing is accurate. Financing is offered and administered by third-party lenders subject to their terms.

22.D Financial Safety

Fraud attempts (including payment instruction tampering) may occur. ContractorNerd will not change banking/payment instructions without additional verification. If you receive suspicious payment instructions, contact your ContractorNerd representative using known contact details and do not click unknown links.

23. No Guarantee of Services

ContractorNerd may change, suspend, discontinue, or restrict the Services (in whole or part) at any time, including to maintain security, comply with law, or improve functionality, without liability to the extent permitted by law.

24. Access Outside the United States

If you access the Services from outside the U.S., you are responsible for compliance with local laws. ContractorNerd does not provide insurance services to parties subject to U.S. trade sanctions. By using the Services, you represent you are not subject to applicable U.S. sanctions.

25. Termination

These Terms remain effective until terminated. ContractorNerd may suspend or terminate access to the Services as permitted by law and these Terms. Provisions that by their nature should survive termination (including IP, disclaimers, limitations of liability, arbitration, and indemnification) will survive.

26. Governing Law

To the extent not preempted by federal law, the laws of the State of California (excluding conflicts of law rules) govern these Terms and any disputes arising out of or relating to them. These Terms evidence a transaction involving interstate commerce. The Federal Arbitration Act (9 U.S.C. §§ 1–16) governs the arbitration provisions.

27. Informal Dispute Resolution

Before initiating arbitration, you agree to contact us at hello@contractornerd.com and attempt to resolve the dispute informally for at least sixty (60) days.

28. Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS.

Except where prohibited by law, any dispute, claim, or controversy arising out of or relating to these Terms, the Additional Terms, or the Services will be resolved by final and binding arbitration administered by JAMS under its applicable rules. Unless otherwise agreed, the arbitration will take place in San Francisco, California, or may be conducted by video/teleconference where permitted by JAMS and the arbitrator.

This provision does not prevent either party from seeking provisional injunctive relief in a court of competent jurisdiction to protect intellectual property, confidentiality, or security rights.

Time Limit. To the extent permitted by law, any claim must be brought within one (1) year after the claim arose.

Fees. For matters that qualify as “consumer” arbitrations under JAMS standards, fees and costs will be allocated consistent with JAMS Consumer Minimum Standards. Otherwise, fees and costs will be allocated as determined by the arbitrator under applicable rules and law.

Severability. If any part of this arbitration provision is found unenforceable, the remainder will remain in effect to the maximum extent permitted by law.

29. No Class Actions; Jury Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AGREE THAT DISPUTES AGAINST CONTRACTORNERD WILL BE RESOLVED INDIVIDUALLY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE ACTION.

YOU AND CONTRACTORNERD EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND TO PARTICIPATE IN A CLASS OR REPRESENTATIVE PROCEEDING.

30. Entire Agreement; No Waiver

These Terms and the Additional Terms constitute the entire agreement between you and ContractorNerd regarding the Services and supersede prior agreements on the subject. Headings are for convenience only. Failure to enforce any provision is not a waiver. Any waiver must be in writing and signed by ContractorNerd.

31. Insurance Information Use and Sharing (Broker/Agency Model)

If you request Insurance Services, you direct ContractorNerd to use and disclose your information as reasonably necessary to:

submit your application and risk information to insurers and insurance intermediaries (including wholesalers/MGAs) for underwriting and quoting;
facilitate binding/issuance where authorized;
service your policies (endorsements, renewals, certificates, audits, billing support);
comply with legal and regulatory requirements; and
prevent fraud and secure the Services.

We may use third-party technology platforms (including insurance submission/quoting platforms) to facilitate these activities. Our use and disclosure practices are described in our Privacy Policy.

32. Communications; Contact Consent

By providing a phone number or email address, you consent to receive Communications from ContractorNerd related to your account, quotes, policies, renewals, billing, and customer support. Where you provide express consent, we may also send marketing messages. You may opt out of marketing emails using the unsubscribe mechanism provided; you may opt out of SMS marketing (if offered) by replying STOP. Opt-out requests may not apply to essential service/transactional Communications.

33. User Feedback

We welcome feedback, comments, and suggestions (“Feedback”). Feedback is non-confidential and non-proprietary. By submitting Feedback, you grant ContractorNerd a worldwide, royalty-free, perpetual, irrevocable, sublicensable license to use and publish the Feedback for any purpose without compensation.

34. Official Correspondence

Official correspondence may be sent to hello@contractornerd.com or via postal mail to:

ContractorNerd
Attn: Legal Department
One Harbor Drive, Suite 300
Sausalito, California 94965
United States

35. Modification of Terms

ContractorNerd may update these Terms from time to time. The “Revision date” below indicates when these Terms were last revised. Continued use of the Services after the revision date means you accept the revised Terms.

36. Accessibility Commitment

ContractorNerd strives to make its Services accessible to all users and aims to meet WCAG 2.1 AA standards. If you have difficulty accessing any part of the Services, please email hello@contractornerd.com or use live chat (if available) and we will provide assistance through an alternate method.

37. Children Under 13

The Services are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe a child has provided personal information, contact hello@contractornerd.com and we will delete it as required by law.

Revision date: December 19, 2025