Terms of Service

1. Acceptance of These Terms

These Terms of Service ("Terms") govern your access to and use of neins.co and any related pages, forms, tools, client portals, emails, and text messages (together, the "Site") operated by Stratfield Partners, LLC dba New England Insurance("New England Insurance," "we," "us," or "our").

By accessing or using the Site, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Site. You must be at least 18 years old to submit information or request insurance services through the Site.

2. Who We Are

Stratfield Partners, LLC is a Connecticut limited liability company doing business as New England Insurance, an independent insurance agency located at 610 Brooklawn Avenue, Bridgeport, Connecticut 06604. We and our producers are licensed by the Connecticut Insurance Department, and we serve clients in Connecticut. Licensing details are available on request.

As an independent agency, we are not an insurance company. We work with multiple insurance carriers to help you compare and obtain personal and business coverage. Insurance policies are issued and underwritten by the insurance companies, not by us. Coverage, products, and carriers are not available in every state, and availability depends on each carrier's underwriting guidelines.

3. No Coverage Is Bound Through the Site

Submitting a quote request, form, message, email, or text does not bind, issue, change, renew, or cancel any insurance coverage. Coverage is not in force until you receive written confirmation from a licensed New England Insurance representative or the insurance company, and any required premium has been paid.

Do not leave requests to add, change, or cancel coverage, or to report a claim, through website forms or voicemail alone. Please call us at (203) 445-3594 and confirm that we have received and acted on your request. For emergencies or claims that occur outside business hours, contact your insurance company's claims line directly; that number appears on your policy documents and ID cards.

4. Quotes, Estimates, and Tools

Any quote, premium indication, comparison, or result from a calculator or other tool on the Site (including the Excess Liability Calculator) is an estimate for informational purposes only. Final eligibility, coverage terms, and premiums are determined solely by the insurance company after underwriting and may differ, sometimes materially, from any estimate. Quotes are subject to change until a policy is bound.

5. Informational Content Is Not Advice

Articles, blog posts, guides, FAQs, and other content on the Site are general information about insurance topics. They are not legal, tax, financial, or individualized insurance advice and do not create an agent–client relationship. Coverage descriptions on the Site are summaries only. The actual terms, conditions, limits, and exclusions of any coverage are governed exclusively by the policy issued by the insurance company. If anything on the Site conflicts with your policy, your policy controls.

We work to keep content accurate and current, but insurance laws, products, and pricing change. Content may be out of date, and we do not guarantee its completeness or accuracy.

6. Information You Provide

When you use the Site or request services, you agree to:

• Provide information that is true, accurate, current, and complete, and update it when it changes;
• Only submit information about other people (such as household drivers, employees, or co-owners) when you are authorized to do so;
• Understand that insurance companies rely on the information you provide. Misstatements, omissions, or concealment can result in a higher premium, denial of a claim, or cancellation or rescission of a policy.

You authorize us to share the information you provide with insurance companies and their agents, and with related service providers, as needed to obtain quotes, place and service coverage, and assist with claims. Insurers may also obtain consumer reports, such as motor vehicle records, claims history, and insurance-based credit information, as permitted by law. How we handle your information is described in our Privacy Policy.

7. How We Are Compensated

We are generally compensated through commissions paid by the insurance companies whose policies we place. The amount can vary by carrier and product. We may also receive additional compensation from some insurers, such as contingent or bonus commissions, based on factors like the volume, growth, or profitability of the business we place with them. Where permitted by law and agreed in writing in advance, we may charge a service fee. You may ask us at any time for information about the compensation we expect to receive on your policy.

8. Calls, Emails, and Text Messages

By submitting your contact information through the Site, you consent to be contacted by New England Insurance about your request and your insurance needs by phone, email, and text message at the numbers and addresses you provide. This may include calls or messages sent using automated technology. Consent is not a condition of purchasing any product or service.

Message frequency varies. Message and data rates may apply. You can opt out of text messages at any time by replying STOP, and reply HELP for help. You can unsubscribe from marketing emails using the link in any email. Even after you opt out of marketing, we may still contact you about your existing policies, service requests, and legally required notices.

9. Electronic Communications and Records

You agree that we may provide notices, documents, and other communications to you electronically, and that electronic communications satisfy any requirement that such communications be in writing, to the extent permitted by law. Some insurance documents may require separate consent to electronic delivery from the insurance company. You can ask for paper copies of policy documents at any time.

10. Client Accounts and Portals

If you create an account or are given access to a client portal, you are responsible for keeping your login credentials confidential and for all activity under your account. Notify us immediately at [email protected] if you suspect unauthorized access. We may suspend or end access to any account at our discretion, including if we suspect misuse or a security risk.

11. Acceptable Use

You agree not to:

• Use the Site for any unlawful, fraudulent, or misleading purpose, including submitting false information to obtain insurance or quotes;
• Impersonate another person or submit information about someone without authorization;
• Interfere with or disrupt the Site, its security, or its servers, or attempt to gain unauthorized access to any part of it;
• Upload or transmit viruses, malware, or other harmful code;
• Use bots, scrapers, or other automated means to access, copy, or collect data from the Site in a way that burdens it or violates these Terms;
• Send spam or unsolicited commercial messages through the Site's forms.

12. Intellectual Property

The Site and its content, including text, graphics, logos, and software, are owned by or licensed to Stratfield Partners, LLC and are protected by copyright, trademark, and other laws. You may view and print pages for your personal, non-commercial use. You may not copy, reproduce, republish, or create derivative works from Site content without our prior written permission. Insurance company names and logos are the property of their respective owners, and their appearance does not imply endorsement.

13. Third-Party Sites and Services

The Site may link to or embed third-party websites and services, such as insurance company portals, online scheduling, and payment pages. We do not control and are not responsible for their content, availability, security, or privacy practices. Your use of them is governed by their own terms and policies.

14. Disclaimer of Warranties

To the fullest extent permitted by law, the Site and all content and tools on it are provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free, or that any submission will be received. This section does not limit any duties we owe you as a licensed insurance producer under applicable law.

15. Limitation of Liability

To the fullest extent permitted by law, Stratfield Partners, LLC, its members, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits or data, arising out of or related to your use of, or inability to use, the Site or its content and tools. This limitation applies to your use of the Site only. It does not limit liability that cannot be limited under applicable law, or any rights or obligations that arise under a separate written agreement or an insurance policy.

16. Indemnification

You agree to indemnify and hold harmless Stratfield Partners, LLC and its members, employees, and agents from any claims, losses, and expenses, including reasonable attorneys' fees, arising from your violation of these Terms or your submission of false or unauthorized information through the Site.

17. Governing Law and Venue

These Terms are governed by the laws of the State of Connecticut, without regard to its conflict-of-law rules. Any dispute arising out of or relating to these Terms or the Site will be brought exclusively in the state or federal courts located in Fairfield County, Connecticut, and you consent to the personal jurisdiction of those courts.

18. Questions and Complaints

If you have a concern about our service, please contact us first using the information below so we can try to resolve it. Connecticut residents also have the right to contact the Connecticut Insurance Department:

Connecticut Insurance Department, Consumer Affairs Division
P.O. Box 816, Hartford, CT 06142
Phone: (800) 203-3447 or (860) 297-3900
Email: [email protected]
Website: portal.ct.gov/cid

19. Accessibility

We want the Site to be usable by everyone. If you have difficulty accessing any part of it, call us at (203) 445-3594 or email [email protected] and we will provide the information you need in another way.

20. Changes to These Terms

We may update these Terms from time to time. When we do, we will post the revised Terms on this page and change the effective date above. Changes apply from the date they are posted. Your continued use of the Site after that date means you accept the revised Terms.

21. General Provisions

These Terms, together with our Privacy Policy, are the entire agreement between you and us about your use of the Site. They do not replace or modify any insurance policy, application, or separate written agreement between us. If any provision is found unenforceable, the remaining provisions remain in effect. Our failure to enforce any provision is not a waiver of it. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.

22. Contact Us

For questions about these Terms, please contact: