Effective Date: April 10, 2026
Welcome to the Swan City Insurance LLC website. By accessing or using our site, you agree to comply with and be bound by the following terms. If you do not agree, please do not use this site.
1. Services Provided
Swan City Insurance LLC is a licensed insurance agency. This website provides information about personal and commercial insurance products and allows users to request quotes, policy changes, and general information. We do not underwrite insurance policies; instead, we facilitate the application process between you and third-party insurance carriers.
2. No Offer or Guarantee
- Quotes are Estimates: Any quote generated through this Site is an estimate and not a binder of insurance. Final premiums are determined solely by the insurance carrier based on verified underwriting data.
- No Automatic Coverage: Submitting an application, policy change, or request for a quote, does not mean coverage is in force. Coverage is only bound when you receive written confirmation from a licensed agent at Swan City Insurance LLC or the carrier.
3. Accuracy of Information
You represent that all information provided to us (e.g., driving records, property values, business revenue) is accurate and complete. Providing false or misleading information may result in the cancellation of your policy or the denial of a claim by the carrier.
4. Professional Advice Disclaimer
The content on this Site is for informational purposes only and does not constitute professional legal, tax, or financial advice. We recommend consulting with a licensed agent at Swan City Insurance LLC to discuss your specific coverage needs.
5. Intellectual Property
All content, logos, "Swan City Insurance" branding, and website design are the property of Swan City Insurance LLC and are protected by copyright and trademark laws. You may not reproduce, distribute, or "scrape" data from this Site without our express written consent.
6. Limitation of Liability
To the fullest extent permitted by law, Swan City Insurance LLC shall not be liable for any direct, indirect, or consequential damages resulting from:
- Errors or omissions in Site content.
- Delays in quote processing or carrier system outages.
- Decisions made by third-party insurance carriers regarding your eligibility or claims.
7. Third-Party Links
Our Site may contain links to insurance carrier portals or payment processors. We are not responsible for the content, privacy policies, or practices of these third-party sites.
8. SMS and Electronic Communications
By providing your contact information, you consent to receive communications from us electronically (email) or via SMS regarding your quotes and policies. You may opt-out of marketing communications at any time by following the "unsubscribe" or "stop" instructions.
9. Governing Law
These terms are governed by the laws of the State of Florida. Any disputes arising from the use of this Site shall be resolved in the courts of Polk County, Florida.
10. Changes to Terms
We reserve the right to modify these Terms and Conditions at any time. Your continued use of the Site following any changes constitutes acceptance of the new terms.
Contact Information
If you have questions regarding these Terms, please contact us:
Swan City Insurance
3674 Harden Blvd Lakeland, FL 33803
Phone: (863) 682-6399
Email: [email protected]