Terms of Use
Effective Date: March 2026
Acceptance of Terms
By accessing and using PlainInsurer (plaininsurer.com), you agree to these Terms of Use. If you do not agree, please do not use PlainInsurer.
Information Purpose
PlainInsurer is an informational resource that presents publicly available insurance regulatory data in a more accessible format. The information on PlainInsurer is provided for general informational purposes only and should not be relied upon as professional advice. PlainInsurer does not provide insurance, financial, medical, or legal advice. Always consult a licensed professional for decisions about your specific coverage.
Accuracy and Completeness
While we strive to present accurate information, we make no warranties about the completeness, reliability, or accuracy of the data. Government source data may contain errors, may be outdated, or may not reflect current conditions. Complaint ratios are historical and do not predict future performance. Always verify important information with official sources such as your state insurance department or the NAIC.
No Professional Advice
Nothing on PlainInsurer constitutes professional advice of any kind — whether insurance, medical, legal, financial, or otherwise. Any decisions you make based on information found here are solely your responsibility.
Intellectual Property
The underlying government data presented on PlainInsurer is in the public domain. Our original design, code, text, and organization of the data are copyrighted by PlainInsurer. You may not scrape, reproduce, or redistribute our site design or original content without permission.
Third-Party Links
PlainInsurer may contain links to third-party websites. We are not responsible for the content or privacy practices of those sites.
Advertising
PlainInsurer displays advertisements through Google AdSense to support its operation. Ads are served by third parties and are subject to their own terms and privacy policies.
Limitation of Liability
To the fullest extent permitted by law, PlainInsurer shall not be liable for any damages arising from your use of or inability to use PlainInsurer, including any reliance on insurance complaint data or grade information.
Changes to Terms
We may update these terms at any time. Continued use of the site constitutes acceptance of any changes.
Contact
Questions about these terms? Email hello@plaininsurer.com.
Data Accuracy and Verification
PlainInsurer aggregates and reformats information that originates from public government agencies, regulatory filings, and other openly available sources. While we take reasonable steps to ingest, normalize, and refresh this data, upstream records may contain clerical errors, lag behind real-world changes, or omit relevant context. You are solely responsible for verifying any fact that influences a legal, medical, financial, educational, safety, or similarly consequential decision. Cross-reference the official source before acting on anything you read here.
Acceptable Use
You may browse, read, and share PlainInsurer content for personal, journalistic, academic, and non-commercial research use. You may cite specific records with attribution and a link back to the page on plaininsurer.com. You may not (a) systematically scrape, crawl, or download the dataset in bulk without prior written permission; (b) resell, sublicense, or redistribute derived data products that compete with PlainInsurer; (c) use our pages to harass, defame, or misrepresent any individual or organization appearing in the data; (d) remove, obscure, or mislabel source attribution; or (e) attempt to bypass rate limits, security controls, or authentication mechanisms.
Plain-Language Editorial Role
PlainInsurer combines raw public data with plain-language summaries, explainers, and comparisons. Narrative sections are drafted by our editorial team from official source data and reviewed for accuracy before publication. We do not modify the underlying numbers or filings — those are loaded directly from the upstream source. If you spot a summary that misreads the data, please email the correction link on our contact page.
Content & Data Licensing
The underlying public records surfaced on PlainInsurer are in the public domain or otherwise freely licensed by the issuing agency — you are free to use those raw facts. However, our site design, layout, navigation structure, original editorial copy, category taxonomies, comparison tables, and curated rankings are the copyrighted work of PlainInsurer. These creative elements may not be reproduced in whole or substantial part without permission.
Changes to These Terms
We may update these Terms of Use from time to time to reflect changes in our data sources, product features, legal environment, or advertising relationships. When we make material changes, we will update the "Last updated" date above and — when appropriate — surface a brief notice on the homepage. Continued use of the site after an update constitutes acceptance of the revised terms. We encourage you to revisit this page periodically.
Governing Law and Disputes
These terms are governed by the laws of the United States and the jurisdiction in which PlainInsurer is domiciled, without regard to conflict-of-law principles. Any dispute arising from or relating to your use of PlainInsurer will first be addressed through good-faith informal negotiation. If that fails, both parties agree to resolve the dispute in the courts with jurisdiction over PlainInsurer's principal place of business. Nothing in these terms limits your statutory consumer-protection rights under applicable local law.
Legal Notices
For formal legal notices, DMCA takedown requests, subpoenas, law-enforcement requests, or correspondence regarding these terms, email legal@plaininsurer.com. General questions, data corrections, and feedback should use the contact page so they reach the editorial team promptly.