Terms of Use

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By using this website, you agree to these Terms of Use. If you do not agree, do not use the site.

No Insurance Binder

Nothing on this site constitutes an offer of insurance or a binder of coverage. Coverage is not effective until an application is submitted to and approved by a licensed insurance carrier and a policy is issued.

Accuracy

We work to keep information accurate but do not guarantee that all content is current, complete, or error-free. Insurance products, availability, pricing, and eligibility vary by state and by insurer underwriting guidelines.

Licensing

ZAV Agency LLC is a licensed independent insurance agency. We place business in states where we are appointed with the corresponding admitted or surplus lines carrier. Coverage availability depends on your state of operation.

Limitation of Liability

To the maximum extent permitted by law, ZAV Agency LLC is not liable for any indirect, incidental, or consequential 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 principles.

Contact

Questions? 954-399-3001

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