Tower Insurance Brokers | TERMS OF SERVICE

LAST UPDATED: 6/3/2026

1. INTRODUCTION

Welcome to https://towerbroker.com/ (the “Site”). This website is owned and operated by Tower Insurance Brokers (“Company,” “we,” “us,” or “our”).

By accessing or using our Site and the information, resources, services, products, and tools we provide (hereafter referred to as “Resources”), you understand and agree to accept and adhere to the following terms and conditions as stated in this policy (hereafter referred to as “User Agreement”), along with the terms and conditions as stated in our Privacy Policy.

IF YOU DO NOT AGREE TO THESE TERMS, PLEASE TERMINATE USE OF THE SITE IMMEDIATELY.

2. NO PROFESSIONAL ADVICE

The content on this Site, including text, graphics, images, and other material, is for informational purposes only. It is NOT intended to be a substitute for professional medical, legal, or financial advice, diagnosis, or treatment. Always seek the advice of a qualified professional with any questions you may have regarding a specific condition or legal matter. If you think you may have a medical emergency, call your doctor or 911 immediately. Reliance on any information provided by this Site is solely at your own risk.

3. INTELLECTUAL PROPERTY

Unless otherwise noted, the Site and its entire contents, features, and functionality (including but not limited to all information, software, text, graphics, website name, code, images, and logos) are the intellectual property of Tower Insurance Brokers and are protected by applicable copyright and trademark law. Any inappropriate use, including but not limited to the reproduction, distribution, display, or transmission of any content on this site is strictly prohibited, unless specifically authorized by Tower Insurance Brokers.

4. RESPONSIBLE USE AND CONDUCT

By visiting our Site, you agree to use these Resources only for the purposes intended as permitted by (a) the terms of this User Agreement, and (b) applicable laws, regulations, and generally accepted online practices.

You specifically agree that:

• Any information you provide (for registration, quotes, etc.) will always be accurate and up to date.
• You are responsible for maintaining the confidentiality of any login information associated with your account.
• Accessing (or attempting to access) any of our Resources by any means other than through the means we provide is strictly prohibited.
• Engaging in any activity that disrupts or interferes with our Resources, including the servers and/or networks where our Resources are located, is strictly prohibited.

5. USER CONTRIBUTIONS

We may provide various open communication tools on our website (blog comments, forums, reviews, etc.). We do not pre-screen or monitor the content posted by users. If you choose to submit content, it is your personal responsibility to use these tools in an ethical manner.

You agree not to upload or distribute content that is illegal, threatening, defamatory, infringing on intellectual property, or contains unauthorized advertising. We reserve the right at our sole discretion to remove any content that we feel does not comply with this User Agreement.

6. SMS/TEXT MESSAGING CONSENT

By providing your mobile number through this Site, you consent to receive text messages from Tower Insurance Brokers.

Types of Messages You May Receive:

Messages may include responses to quote requests, service inquiries, appointment scheduling, appointment reminders, confirmations, policy updates, account notifications, project updates, and marketing messages.

Message Frequency:

Message frequency may vary depending on your interactions with us and the services you request.

Opt-Out:

You can cancel the SMS service at any time by texting “STOP” to the number from which you received the message. Upon sending “STOP,” we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us unless you choose to opt in again.

Support:

If you experience issues, reply with the keyword “HELP” for assistance or contact us directly through our website at https://towerbroker.com/.

Rates:

Standard message and data rates may apply.

Consent:

Consent to receive SMS messages is not a condition of purchase.

Privacy:

SMS consent is not shared with third parties or affiliates for marketing purposes. For information regarding how we collect, use, and protect your information, please review our Privacy Policy at https://towerbroker.com/privacy-policy/.

Additional Terms:

For additional information regarding your use of this website and our services, please review these Terms of Service at https://towerbroker.com/terms/.

7. THIRD-PARTY LINKS

This Site may contain links to other sites and resources provided by third parties (e.g., payment processors, social media). These links are provided for your convenience only. We have no control over the contents of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

8. LIMITATION OF WARRANTIES

YOUR USE OF THE SITE IS AT YOUR OWN RISK. ALL RESOURCES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. Tower Insurance Brokers EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

9. LIMITATION OF LIABILITY

IN CONJUNCTION WITH THE LIMITATION OF WARRANTIES ABOVE, YOU EXPRESSLY UNDERSTAND AND AGREE THAT ANY CLAIM AGAINST US SHALL BE LIMITED TO THE AMOUNT YOU PAID, IF ANY, FOR USE OF PRODUCTS AND/OR SERVICES. Tower Insurance Brokers WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY LOSS OR DAMAGES WHICH MAY BE INCURRED BY YOU AS A RESULT OF USING OUR RESOURCES.

10. GOVERNING LAW

This website is controlled by Tower Insurance Brokers from our offices located in the state of Idaho, United States. All matters relating to the Site and these Terms shall be governed by the laws of the State of Idaho without regard to its conflict of law provisions.

11. TERMINATION OF USE

We may, at our sole discretion, suspend or terminate your access to all or part of our website and Resources with or without notice and for any reason, including, without limitation, breach of this User Agreement.

12. CONTACT INFORMATION

If you have any questions or comments about these Terms of Service, please contact us!