Terms & Conditions

DRM Insurance Solutions is an independent insurance agency that helps individuals and businesses explore insurance coverage options from multiple insurance carriers and markets.

We are not an insurance carrier. Coverage is subject to the terms, conditions, exclusions, underwriting guidelines, and availability of the applicable insurance company.

Any insurance quote, estimate, premium indication, coverage recommendation, or other information provided by DRM Insurance Solutions is for informational purposes and is not a guarantee of coverage.

Actual premiums, coverage, eligibility, deductibles, limits, and policy terms are determined by the applicable insurance carrier and may change based on underwriting information.

Coverage does not become effective until the applicable insurance company has approved the application and the required conditions for binding coverage have been satisfied.

When you submit information through our website, advertising forms, quote forms, social media lead forms, or other online forms, you agree that DRM Insurance Solutions may use the information you provide to:

• Contact you regarding your insurance inquiry;
• Obtain insurance quotes on your behalf;
• Discuss available insurance products and coverage options;
• Request additional information necessary to obtain a quote;
• Follow up regarding your inquiry;
• Provide customer service and insurance-related communications.

You are responsible for providing information that is accurate and complete to the best of your knowledge.

By providing your telephone number and submitting an inquiry through our chat widget, contact forms, or quote requests, you authorize DRM Insurance Solutions, LLC to contact you via telephone call or SMS text message (including automated means) regarding your insurance inquiry, policy review, and promotional updates.

• Message and data rates may apply.
• Message frequency may vary based on your inquiries and policy review needs.
• Opt-Out: You may opt out of text messages at any time by replying STOP. An unsubscribe confirmation text will be sent.
• Help: For assistance, reply HELP or contact DRM Insurance Solutions directly at 385-244-0566 or zach@drminsure.com.
• Carriers are not liable for delayed or undelivered messages.

Consent to receive marketing communications is not a condition of purchasing insurance or receiving an insurance review.

DRM Insurance Solutions may submit information to insurance carriers, wholesalers, managing general agents, or other insurance-related parties for the purpose of obtaining insurance quotes or determining eligibility.

Each insurance company maintains its own privacy practices, underwriting guidelines, policy terms, and conditions.

DRM Insurance Solutions may advertise through third-party platforms such as Facebook, Instagram, Google, LinkedIn, and other advertising services.

Those platforms may have their own terms, privacy policies, cookies, tracking technologies, and data practices. Your use of those platforms is subject to their respective terms and policies.

Submitting a quote request does not guarantee that insurance coverage will be available or that DRM Insurance Solutions will be able to obtain coverage for you.

Insurance availability depends on factors including, but not limited to, the type of business or property, location, claims history, operations, requested coverage, underwriting requirements, and applicable carrier guidelines.

Information provided through our website or advertising materials is intended for general informational purposes and should not be considered legal, tax, financial, or insurance advice applicable to every individual circumstance.

DRM Insurance Solutions may update these Terms & Conditions from time to time. Updated terms will be posted on this page with a revised effective date.