The terms and conditions that govern your use of our website and services.
Effective Date: April 21, 2026 · Last Updated: April 21, 2026
These Terms of Service ("Terms") govern your use of the arensinsurance.net website and the services offered by Arens Insurance Services LLC ("Arens Insurance," "we," "our," or "us"). By accessing our website, requesting a consultation, or engaging our services, you agree to these Terms. If you do not agree, please do not use our website or services.
Arens Insurance Services LLC is a California-licensed independent insurance agency headquartered in Huntington Beach, California. We are licensed to sell insurance products and represent multiple insurance carriers, including Aflac. Our California license number is listed in the footer of this website. We are not an insurance carrier; we are a licensed agency that helps clients identify, evaluate, and enroll in insurance coverage offered by third-party carriers.
We offer consultation, quotes, enrollment assistance, and ongoing service for the following types of insurance:
All coverage is ultimately provided by third-party insurance carriers under their own policies, terms, and conditions. Eligibility, pricing, and coverage availability are determined by the issuing carrier, not by Arens Insurance.
The content on arensinsurance.net — including descriptions of products, general explanations of insurance concepts, examples, and educational materials — is provided for informational purposes only. It does not constitute a binding offer of insurance, a guarantee of coverage, or personalized insurance advice.
Specific recommendations require a personal consultation where we can evaluate your circumstances, needs, and eligibility. Nothing on this website should be relied upon as a substitute for that consultation.
Submitting a quote request, scheduling a consultation, or providing information to us does not constitute an insurance policy or guarantee that coverage will be issued. All applications are subject to review and approval by the applicable insurance carrier. Coverage begins only when an application has been approved by the carrier, a policy has been issued, and any required premium has been paid.
When you request a consultation through our website, by phone, or through our AI receptionist, you agree that we may contact you at the phone number and email address you provide to confirm the appointment, follow up, and communicate about your inquiry.
Communications may include phone calls, emails, and text messages (SMS). Standard message and data rates from your carrier may apply to text messages. You can opt out of text messages at any time by replying STOP to any text from us. See our Privacy Policy for full details about communications and your choices.
You agree to provide accurate, current, and complete information when requesting quotes, scheduling consultations, or applying for insurance. Insurance carriers rely on the information submitted, and inaccurate or incomplete information can result in denied coverage, claim disputes, or policy cancellation. If you discover an error in information you have provided, please contact us promptly.
The content, design, logos, text, graphics, and other materials on arensinsurance.net are owned by Arens Insurance Services LLC or used with permission, and are protected by applicable copyright, trademark, and other laws. You may view and print pages for your personal, non-commercial use. You may not copy, reproduce, modify, distribute, or publicly display any part of the website for commercial purposes without our prior written consent.
Brand names and trademarks of insurance carriers mentioned on the site (including Aflac) are the property of their respective owners. References to carriers are made solely to describe the products we help our clients obtain.
Our website may link to third-party websites or services (for example, scheduling tools, insurance carrier portals, or informational resources). We are not responsible for the content, privacy practices, or terms of those third-party sites. Accessing them is at your own risk, and their own terms and privacy policies will apply.
You agree not to use our website or services to:
Our website and any related services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy. We do not guarantee that the website will be uninterrupted, secure, or error-free, or that defects will be corrected.
To the fullest extent permitted by applicable law, Arens Insurance Services LLC, its owners, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services. Our total liability for any direct damages will not exceed the fees, if any, you have paid us in the twelve months preceding the event giving rise to the claim.
Nothing in these Terms limits liability that cannot lawfully be limited, including liability for professional conduct governed by California insurance licensing regulations.
You agree to indemnify and hold harmless Arens Insurance Services LLC, its owners, employees, and affiliates from any claims, losses, or expenses (including reasonable attorneys' fees) arising out of your breach of these Terms, your violation of any law, or your misuse of our website or services.
These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or our services will be brought in the state or federal courts located in Orange County, California, and you consent to the jurisdiction of those courts. This provision does not limit any rights you may have under the California Insurance Code or other consumer protection laws that cannot be waived by agreement.
We may revise these Terms from time to time. When we do, we will revise the "Last Updated" date at the top of this page. Your continued use of our website after changes are posted constitutes acceptance of the revised Terms.
If you have questions about these Terms, please contact us:
Arens Insurance Services LLC
Huntington Beach, California
Phone: (714) 963-2428
Email: info@arensinsurance.net