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Terms of Service

1. Acceptance of Terms

By accessing or using the risk | x website at https://riskx.com, including the SMS screener tool, questionnaire, and all related pages (collectively, the "Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. About risk | x

risk | x is an independent commercial insurance agency licensed in the State of California (License #6013887) and authorized to place coverage across the United States. We are not an insurance carrier. We act as an intermediary between you and insurance carriers to help you find appropriate commercial insurance coverage.

3. Not Insurance Advice

The information provided on this website, including blog articles, case studies, coverage descriptions, and industry guides, is for general informational purposes only. It does not constitute insurance advice, legal advice, or a binding offer of coverage. Every business has unique risk exposures, and coverage recommendations should be based on a thorough review of your specific circumstances.

The case studies and testimonial scenarios presented on this site are illustrative examples based on common commercial insurance situations. They are not guarantees of coverage or claims outcomes. Actual coverage is subject to the terms, conditions, and exclusions of the specific policy issued by the carrier.

4. SMS Screener Tool

The SMS screener tool on this website generates a pre-filled text message based on the information you provide. By using this tool, you understand that:

  • The tool does not bind coverage or create an insurance policy.
  • Submitting information through the tool does not establish an agent-client relationship.
  • Response times referenced on this site (e.g., "reply in under 2 hours") are goals, not guarantees, and apply during stated business hours.
  • Standard messaging rates from your carrier may apply when sending SMS messages.

5. No Guarantee of Coverage

risk | x does not guarantee that insurance coverage will be available for your business or that any particular carrier will issue a policy. Insurance availability, pricing, and terms are determined by the insurance carriers based on their underwriting criteria. We will work diligently to find appropriate coverage options, but final approval rests with the carrier.

6. Accuracy of Information

You agree to provide accurate and complete information when using our services, including the SMS screener, questionnaire, and any communication with our agents. Providing inaccurate or incomplete information may result in incorrect quotes, coverage gaps, or policy cancellation.

7. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of risk | x or its content suppliers and is protected by United States copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from any content without prior written consent.

8. Third-Party Links

This website may contain links to third-party websites, including insurance carrier sites, industry resources, and external tools. risk | x is not responsible for the content, privacy practices, or availability of these external sites. Accessing third-party links is at your own risk.

9. Limitation of Liability

To the fullest extent permitted by law, risk | x shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service, including but not limited to damages for loss of profits, data, or other intangible losses.

10. Indemnification

You agree to indemnify and hold harmless risk | x, its officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising from your use of the Service or violation of these Terms.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in the State of California.

12. Changes to Terms

risk | x reserves the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to this page. Your continued use of the Service after changes are posted constitutes your acceptance of the revised Terms.

13. Contact Us

If you have questions about these Terms of Service, please contact us:

Last updated: March 2026