Terms of Service

These Terms of Service (“Terms”) govern your access to and use of the Benefitexcel website and services. By using this website or submitting a form, you agree to these Terms. If you do not agree, do not use the site.

1. Nature of Services

Benefitexcel is a licensed independent commercial insurance agency in the State of Texas. Information on this site is for general informational purposes and does not constitute an offer to sell, a solicitation to buy, or the binding of any insurance coverage. All coverage is subject to underwriting review, carrier approval, and policy terms and conditions.

2. Eligibility

The services described on this website are directed to business owners located in the State of Texas. You must be at least 18 years old and legally authorized to act on behalf of the business you are submitting information about.

3. TCPA Consent — Phone & SMS

By submitting your telephone number through any form on this site, you expressly consent to receive telephone calls, text messages, and prerecorded or artificial-voice messages from Benefitexcel and its authorized agents at the number provided, including through the use of an automatic telephone dialing system, regarding your commercial insurance review, quotes, and related services.

You understand that consent is not a condition of purchaseof any goods or services. Standard message and data rates may apply. You may revoke consent at any time by replying STOP to any text message, by asking to be removed from our call list during any phone call, or by emailing us using the contact details in our Privacy Policy.

4. Accuracy of Information

You represent that the information you submit is truthful, accurate, and complete to the best of your knowledge. Misrepresentation of a material fact on an insurance application may result in the denial of coverage or rescission of a policy.

5. Intellectual Property

All content on this site — including text, graphics, logos, and photographs — is the property of Benefitexcel or its licensors and is protected by U.S. and international copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

6. Third-Party Links & Carriers

Insurance products discussed or quoted are issued by third-party carriers. Benefitexcel does not guarantee the availability, pricing, or continued issuance of any specific carrier’s product.

7. Disclaimer of Warranties

The website and its content are provided on an “as-is” and “as-available” basis, without warranties of any kind, either express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of Liability

To the fullest extent permitted by law, Benefitexcel and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of this website or communications initiated through it.

9. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law rules. Exclusive venue for any dispute not subject to the arbitration clause below lies in the state or federal courts located in Nueces County, Texas.

10. Binding Arbitration & Class-Action Waiver

Any dispute, claim, or controversy arising out of or relating to these Terms, your use of the website, or communications between you and Benefitexcel (including phone and SMS communications) shall be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. Arbitration shall take place in Nueces County, Texas, or another mutually agreed location. Judgment on the arbitrator’s award may be entered in any court of competent jurisdiction.

You and Benefitexcel each waive the right to participate in a class action, class arbitration, or representative proceeding. Claims may be brought only on an individual basis.

11. Changes to These Terms

We may revise these Terms from time to time. Changes take effect when posted to this page. Your continued use of the website after a change constitutes acceptance of the revised Terms.

12. Contact

Benefitexcel — Independent Commercial Insurance
Corpus Christi, Texas
Phone: (361) 808-4988
Web: benefitexcel.com