Terms & Conditions

Welcome to Our Services

Thank you for choosing WC Insurance Group as your insurance partner. When you use our website, call our office, or work with our agents, you are agreeing to these terms. We wrote them to be fair and easy to understand because we believe a good relationship starts with clear expectations on both sides.

These terms apply to everyone who uses our services, whether you are browsing for information, requesting a quote, or managing an active policy. If you have questions about anything here, our team is happy to explain. Just give us a call at (727) 344-5500 and we will walk you through whatever you need.

What We Do For You

WC Insurance Group acts as your guide in the world of insurance. We work with many different insurance carriers to find coverage options that fit your needs and budget. Think of us as your personal shopper for insurance. We present you with choices, explain the differences, and help you pick the right protection for your situation.

When you choose a policy through us, the actual insurance contract is between you and the insurance carrier. We help you apply, answer your questions along the way, and remain your point of contact for service needs. However, the carrier is ultimately responsible for paying claims according to the terms of your policy. Our job is to make sure you understand what you are getting and that the application process goes smoothly.

Giving Us Accurate Details

Insurance quotes and policies depend on the information you provide. When you share details about your driving record, your home, your health, or anything else, we trust that you are being truthful and complete. This matters because insurance carriers use this information to calculate your rates and decide what coverage to offer.

If something changes after you buy a policy, like you add a new driver to your household or make major renovations to your home, please let us know. Keeping your information current helps ensure your coverage stays valid and you get the protection you paid for. We are not trying to catch you in mistakes. We just want to make sure you are properly covered when you need it most.

Using Our Website

Our website is here to help you learn about insurance options, request quotes, and get in touch with our team. You are welcome to browse, read our content, and use our online forms. We ask that you use the site for its intended purpose and not for anything harmful or illegal.

Everything on our website, including the text, images, and design, belongs to WC Insurance Group. You can share our content with friends and family who might find it helpful, but please do not copy large portions or use our materials for commercial purposes without asking first. The information on our site is meant to educate and inform. It is not a substitute for personalized advice from a licensed insurance agent.

Payments and Premiums

When you buy an insurance policy, you agree to pay the premiums on time. Most carriers offer different payment options, and we can help you set up a schedule that works for your budget. Missing payments can cause your coverage to lapse, which means you would not be protected if something happened. We send reminders before due dates because we want to help you stay covered.

Premium amounts are set by the insurance carriers based on the coverage you choose and the information in your application. Sometimes rates change at renewal time due to factors like claims history, changes in your circumstances, or adjustments by the carrier. If your rate goes up, we will let you know and can shop around to find you a better deal if one exists.

When You Need to File a Claim

If something happens and you need to use your insurance, contact us right away. We can help you start the claims process with your carrier and guide you through the steps. Time matters with claims. Reporting promptly helps ensure a smoother process and gives the carrier the best chance of investigating while details are fresh.

During the claims process, be honest and cooperate fully with the carrier. Provide documents they request and answer their questions truthfully. We will be here to help if you have concerns or feel confused about what is happening. While we cannot guarantee any specific outcome, we will do everything we can to support you through the process.

Understanding Limitations

While we work hard to serve you well, there are limits to what we can promise. We provide information and guidance based on what we know, but we cannot guarantee that any particular carrier will accept your application or offer you a specific rate. Insurance decisions ultimately rest with the carriers, and they have their own guidelines for what they will cover.

Our website and communications aim to be accurate and helpful, but insurance is complex and rules vary by state. The official terms of your coverage are in your policy documents, not on our website or in casual conversations. If there is ever a conflict between something we said and what your policy states, the policy language controls. That is why we encourage you to read your policy documents carefully.

Updates to These Terms

From time to time, we may update these terms to reflect changes in how we do business or to comply with new regulations. When we make significant changes, we will post the updated version on our website. We encourage you to check back occasionally so you know what to expect from us and what we ask of you.

Continuing to use our services after we post changes means you accept the updated terms. If you ever disagree with something, please reach out and let us know. We value your feedback and want to maintain a relationship built on mutual respect and clear communication.

Questions or Concerns

We are real people who genuinely want to help you. If anything in these terms confuses you, or if you have concerns about how we are handling your account, please reach out. You can call us at (727) 344-5500, send an email to [email protected], or stop by our office at 5665 Central Ave, Saint Petersburg, FL 33710.

Good service means being available when you need us. Our team is here to answer questions, solve problems, and make sure you feel confident about your insurance coverage. We believe in treating people the way we would want to be treated, and that starts with open, honest communication.