Terms of Use
Last Updated: September 7, 2026
Please read these Terms of Use carefully before accessing or using the website operated by Palm Insurance Management ("Palm," "we," "us," or "our").
By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree with these Terms, please do not use the website.
1. About This Website
The Palm Insurance Management website provides general information about insurance products, risk management, community association insurance, business insurance, personal insurance, claims assistance, and related services.
The website is intended to provide general information and facilitate communication with Palm Insurance Management.
2. Insurance Information
Information on this website is provided for general informational purposes only.
Insurance coverage, premiums, limits, deductibles, exclusions, conditions, eligibility, and availability vary by policy, applicant, property, risk, insurance carrier, and applicable law.
Nothing on this website should be interpreted as an offer to provide insurance coverage or as a guarantee that coverage will be available.
Insurance coverage is effective only when confirmed by the applicable insurance carrier and subject to the terms and conditions of the issued policy.
3. Quotes and Applications
Requests for insurance quotes or consultations submitted through the website do not constitute an insurance application unless specifically identified and accepted as such by Palm.
A quote is not a binder of insurance and does not guarantee coverage.
Coverage cannot be assumed to be in force based solely on a website submission, quote request, email, telephone conversation, or other communication.
Applicants should not cancel or allow existing insurance coverage to lapse until replacement coverage has been confirmed in writing and is effective.
4. Insurance Products and Services
Palm may assist customers with insurance products and services including community association insurance, condominium association insurance, homeowners association insurance, business insurance, property insurance, general liability, directors and officers coverage, fidelity and crime coverage, flood, umbrella, workers' compensation, automobile, glass, commercial coverage, and other insurance products.
Not every product is available to every customer or in every state or jurisdiction.
Coverage recommendations depend on individual circumstances and the products available through applicable insurance carriers.
5. Independent Agency
Palm Insurance Management operates as an independent insurance agency and may work with multiple insurance carriers.
The availability of particular carriers, products, coverage options, and pricing is subject to underwriting requirements and carrier participation.
Palm does not guarantee that any particular carrier will provide coverage or that a particular premium will be available.
6. Claims Information
Palm may provide claims assistance and customer support, including assistance with reporting or coordinating insurance claims.
Submitting information through the website does not replace any requirement to provide timely notice of a claim to the applicable insurance carrier or comply with the terms of an insurance policy.
In the event of a loss, policyholders should follow the claim reporting requirements contained in their policy and contact the appropriate carrier or Palm representative as soon as reasonably possible.
7. Certificates of Insurance
Requests for certificates of insurance may be submitted through the website or through other Palm communication channels.
Certificates of insurance are informational documents and do not amend, extend, or alter the coverage provided by an insurance policy.
8. Intellectual Property
All website content, including text, graphics, logos, photographs, videos, designs, documents, trademarks, service marks, and other materials, is owned by or licensed to Palm or its content providers.
You may use website content for personal or legitimate business purposes.
You may not reproduce, distribute, modify, publish, transmit, sell, or commercially exploit website content without prior written authorization from Palm.
9. User Submissions
If you submit information through the website, including quote requests, contact information, property information, business information, insurance information, or other materials, you represent that the information is accurate and that you are authorized to provide it.
You authorize Palm to use the information as reasonably necessary to respond to your request, evaluate insurance needs, obtain or facilitate quotes, communicate with carriers where appropriate, and provide requested services, subject to our Privacy Policy.
10. Third-Party Links and Services
The website may contain links to insurance carriers, service providers, payment platforms, social media platforms, government resources, or other third-party websites.
Palm does not control and is not responsible for third-party websites, their content, availability, security, or privacy practices.
11. SMS and Text Messaging
If you voluntarily consent to receive SMS or text messages from Palm, you agree to receive recurring messages related to our services.
Messages may include appointment reminders, quote communications, policy or account notifications, claims-related communications, certificate requests, customer service messages, and other service-related communications.
Message frequency varies based on your interactions with us.
Opt-Out: Reply STOP to unsubscribe at any time.
Help: Reply HELP for assistance or contact us using the information below.
Message and data rates may apply.
Your consent to receive SMS messages is not a condition of purchasing insurance.
12. Disclaimer of Warranties
The website and its content are provided on an "AS IS" and "AS AVAILABLE" basis.
Palm makes no warranties, express or implied, regarding the accuracy, completeness, availability, or suitability of website content for any particular purpose.
Insurance information may change based on carrier guidelines, underwriting requirements, legislation, regulations, and market conditions.
13. Limitation of Liability
To the maximum extent permitted by applicable law, Palm and its affiliates, officers, employees, agents, contractors, service providers, and licensors will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from your use of or reliance on the website.
Nothing in these Terms is intended to limit liability that cannot legally be limited.
14. Indemnification
To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Palm and its affiliates, officers, employees, agents, contractors, and service providers from claims or expenses arising from your violation of these Terms or misuse of the website.
15. Changes to These Terms
Palm may update these Terms from time to time. Updated Terms will be posted on this page with a revised "Last Updated" date.
Your continued use of the website after changes become effective constitutes acceptance of the revised Terms.
16. Governing Law
These Terms are governed by the laws of the State of Florida, without regard to its conflict-of-law provisions.
17. Severability
If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
18. Contact Us
Palm Insurance Management
209 Turner Street
Clearwater, FL 33756
Mailing Address:
PO Box 8604
Seminole, FL 33775
Phone: 1-866-612-1596
Fax: 727-565-0081