Terms of Use
Your agreement when using this website.
Effective date: January 1, 2026
About this site
This website is operated by JNZ Insurance Services Inc., a licensed insurance agency in Florida and Georgia (Florida agency 2-20 license #L047332 · NPN 133343). Information on this site is for general purposes only and does not constitute an insurance contract or a binding offer of coverage.
No coverage is bound until confirmed
Submitting a website form, quote request, email, voicemail, or online inquiry does not create, bind, change, or cancel coverage. Coverage is not bound, changed, cancelled, or otherwise modified until confirmed directly by the carrier or an authorized agency representative in writing.
Accuracy of information
We make a reasonable effort to keep information on this site accurate, but coverage details, premiums, eligibility, and underwriting guidelines change frequently. Carrier policies, endorsements, and quotes are the controlling documents. If anything on this site conflicts with a carrier's actual policy language, the policy language controls.
Acceptable use
You agree not to use this site to misrepresent yourself, submit fraudulent information, attempt to disrupt or compromise our systems, copy or republish content without permission, or violate any applicable law.
Intellectual property
All content on this site, including text, graphics, logos, and the JNZ Insurance Services name, is the property of JNZ Insurance Services Inc. or its licensors and is protected by U.S. and international copyright and trademark laws. You may view and print pages for personal, non-commercial use.
Third-party links
Our site may link to third-party websites (carriers, regulators, mapping services). We are not responsible for the content, accuracy, or privacy practices of those sites.
Disclaimer of warranties
This site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, we disclaim all express and implied warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
Limitation of liability
To the fullest extent permitted by law, JNZ Insurance Services Inc., its owners, employees, and agents will not be liable for indirect, incidental, consequential, or punitive damages arising from your use of this site.
Governing law
These terms are governed by the laws of the State of Florida, without regard to conflict of law provisions. Any dispute will be resolved in the state or federal courts located in St. Johns County, Florida.
Changes
We may update these terms from time to time. Continued use of the site after changes constitutes acceptance.
Contact
JNZ Insurance Services Inc.
157 Hampton Point Dr. Suite 2, St. Augustine, FL 32092
904-777-3133 · [email protected]