Insurance Disclaimer

1. We Are an Independent Insurance Agency, Not an Insurer

Sinai Coverage LLC is an independent insurance agency and broker headquartered in Sunny Isles Beach, Florida, serving clients in all 50 states. We are not an insurance company and we do not underwrite, issue, or guarantee any insurance policy. We do not make coverage decisions and we do not adjudicate claims. When you obtain coverage through us, the insurance contract is between you and the carrier that issues the policy. We act as your agent or broker in submitting your application and placing that coverage with a third-party carrier.

Nothing on this Site constitutes an offer or solicitation to sell insurance in any jurisdiction where we are not licensed. Availability of specific products and coverage lines varies by state and carrier appetite.

2. How We Are Compensated

We are compensated by insurance carriers in the form of commissions when a policy is bound. The commission is paid by the carrier, not charged separately to you. In some cases we may also receive contingent or bonus compensation from carriers based on volume or profitability criteria. We do not charge broker fees for quote requests submitted through this Site.

Our compensation structure does not alter our obligation to present options that are suitable for your needs. If you have questions about how we are compensated on a specific policy, contact us directly.

3. Site Content Is General Information Only

All content on this Site, including descriptions of coverage lines, claim scenarios, FAQs, articles, and any other materials, is provided for general informational purposes only. It does not constitute insurance advice, legal advice, or a recommendation to purchase any specific product.

Coverage descriptions on this Site are summaries intended to give a general sense of how a type of insurance typically works. They are not complete statements of coverage, terms, conditions, exclusions, or limitations. In all cases, the actual policy documents issued by the carrier govern the rights and obligations of the parties. If there is any conflict between Site content and a policy, the policy controls.

Claim scenarios, examples, and case studies presented on this Site are illustrative only. They are not guarantees of outcomes, coverage determinations, or predictions about how any particular claim would be handled by a carrier.

4. No Coverage Is Bound Through This Website

Submitting a quote request form, contact form, or any other form on this Site does not create, bind, alter, renew, or cancel any insurance policy or coverage. No coverage becomes effective until it is formally bound by a licensed agent and confirmed in writing by the issuing carrier.

Leaving a voicemail, sending an email, or communicating with us through any channel does not bind coverage. Do not assume you have insurance based on a form submission or informal communication. You will receive written confirmation when coverage has been bound.

If you need to confirm whether active coverage is in force, contact us directly at info@sinaicoverage.com or 305-332-0081.

5. Quotes Are Estimates, Not Guarantees

Any premium indication, pricing estimate, or quote range referenced on this Site or provided by us verbally or in writing during the quoting process is an estimate based on information available at that time. Final premium is determined by the issuing carrier and is subject to underwriting review, verification of submitted information, and applicable state rate filings. We do not guarantee any specific premium amount, coverage outcome, or savings result.

6. No Attorney-Client Relationship

Nothing on this Site or in any communication from us creates an attorney-client relationship. We are an insurance agency, not a law firm. If you have legal questions about an insurance matter, coverage dispute, or claim, you should consult a licensed attorney in your jurisdiction.

An agent-client relationship is established only through a formal brokerage agreement or placement of coverage, not through a website visit or form submission.

7. Accuracy and Currency of Information

We make reasonable efforts to keep Site content accurate and current, but we make no representations or warranties that any content is complete, current, or error-free. Insurance products, carrier appetites, state availability, and regulatory requirements change frequently. Rely on current information provided directly by a licensed agent, not on the general content of this Site, when making coverage decisions.

8. Questions

If you have questions about coverage, your policy, or anything on this Site, contact us directly. A licensed agent will respond.