Terms of Service

Acceptance of Terms

By accessing and using WorkersCompCost.com ("the Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.

Use of the Site

The Site provides workers' compensation rate estimates and comparison tools for informational purposes only. You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any portion of the Site
• Use automated systems (bots, scrapers) to access the Site without permission
• Reproduce, distribute, or publicly display content from the Site without authorization

Accuracy Disclaimer

The workers' compensation rates displayed on this Site are estimates only and are not insurance quotes. These rates are derived from publicly available regulatory filings and may not reflect the actual premium you will be charged. Actual premiums depend on numerous factors including your experience modification rate (EMR), claims history, selected carrier, deductible options, and underwriting decisions. We make no warranty or guarantee regarding the accuracy, timeliness, or completeness of the rate information presented.

No Insurance Advice

The content on this Site does not constitute insurance advice, professional advice, or a recommendation to purchase any specific insurance product. WorkersCompCost.com is not a licensed insurance agent, broker, or carrier. We are an informational resource that connects businesses with licensed insurance professionals. You should consult with a licensed insurance professional before making any insurance purchasing decisions.

Intellectual Property

All content on this Site, including text, graphics, logos, data compilations, and software, is the property of WorkersCompCost.com or its content suppliers and is protected by United States and international copyright laws. The compilation of all content on this Site is the exclusive property of WorkersCompCost.com. You may not reproduce, modify, distribute, or republish materials from this Site without prior written consent.

Limitation of Liability

To the fullest extent permitted by applicable law, WorkersCompCost.com and its owners, operators, affiliates, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising out of or related to your use of the Site. Our total liability for any claim arising from your use of the Site shall not exceed the amount you paid to us (if any) in the twelve months preceding the claim.

Indemnification

You agree to indemnify and hold harmless WorkersCompCost.com and its owners, operators, and affiliates from any claims, damages, losses, or expenses arising out of your use of the Site or violation of these Terms.

Changes to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Contact

For questions regarding these Terms of Service, please contact us at:

WorkersCompCost.com
Email: [email protected]