Terms & Conditions

1. Description of Services

Soma is a licensed commercial insurance brokerage. We help businesses evaluate their insurance needs, obtain quotes from insurance carriers and wholesale partners, and place coverage on their behalf. Soma does not underwrite or issue insurance policies directly.

Our Services may not be available in all jurisdictions. We reserve the right to modify, suspend, or discontinue any part of the Services at any time without prior notice.

2. Acceptance of Terms

By using or accessing the Site or Services, you acknowledge that you have reviewed, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference.

3. Changes to Terms

Soma may revise these Terms at any time. Changes become effective when posted on this page. Your continued use of the Services after any changes constitutes your acceptance of the updated Terms. We encourage you to review this page periodically.

4. Insurance Information

Quotes are not binding. All quotes, rate indications, or premium estimates provided through the Services are based on the information you supply and do not constitute a legally binding offer or agreement to extend insurance coverage. Coverage descriptions provided are general in nature and are not a statement of contract.

Coverage is subject to carrier terms. All insurance policies are underwritten and issued by insurance carriers, not by Soma. Coverage is subject to the specific terms, conditions, and exclusions of the applicable policy, regardless of any summary or description provided by Soma.

Not professional advice. The information and content provided through the Services should not be construed as legal, tax, financial, or accounting advice. Insurance purchasing decisions, including coverage types, limits, and deductibles, are solely the responsibility of the insured.

5. Accuracy of Information

You agree to provide accurate, current, and complete information when interacting with the Services, including when submitting quote requests or insurance applications. Quotes and coverage are based on the information you provide, and inaccurate or incomplete information may result in incorrect quotes, coverage issues, or claim denials.

6. Communications

By providing your phone number, email address, or other contact information to Soma — whether through our Site, a third-party lead partner, or during a conversation with our team — you consent to receive communications from us, which may include:

• Phone calls, which may be recorded with your consent for quality assurance and training.
• Text messages (SMS) related to quotes, policy updates, document requests, and servicing.
• Emails related to your insurance needs and our Services.

Message frequency varies. Message and data rates may apply. You may opt out of text messages at any time by replying STOP. Consent to receive communications is not a condition of purchasing any product or service. For more details, see our Privacy Policy.

7. User Content

Any information, documents, or other materials you submit through the Services ("User Content") remain your responsibility. By submitting User Content, you grant Soma a non-exclusive, royalty-free license to use such content solely for the purpose of providing the Services, including sharing with insurance carriers, wholesalers, and partners as necessary to obtain quotes and place coverage.

You represent that you have all necessary rights to submit any User Content and that such content is accurate and does not violate any applicable law or third-party rights.

8. Intellectual Property

The Site and its contents, including text, graphics, logos, images, and software, are the property of Soma or its licensors and are protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on the Site without our prior written consent.

9. Third-Party Links

The Site may contain links to third-party websites, services, or content. These links are provided for convenience only and do not constitute an endorsement by Soma. We have no control over and assume no responsibility for the content, privacy practices, or policies of any third-party sites. You access such sites at your own risk.

10. Disclaimers

The Services are provided on an "as-is" and "as-available" basis. To the fullest extent permitted by law, Soma disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. Soma does not warrant that the Services will be uninterrupted, error-free, or secure.

Soma does not guarantee that any particular insurance product will be available, that coverage will be approved by any carrier, or that any specific rate or premium will apply.

11. Limitation of Liability

To the fullest extent permitted by law, Soma shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising out of or related to your use of the Services.

12. Indemnification

You agree to indemnify, defend, and hold harmless Soma, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses arising out of or related to your use of the Services, your violation of these Terms, or your submission of inaccurate or unauthorized information.

13. Governing Law

These Terms and any disputes arising out of or relating to the Services shall be governed by and construed in accordance with the laws of the State of Delaware and applicable federal law, without regard to conflict of law principles. Any legal action or proceeding shall be brought exclusively in the federal or state courts located in the State of Delaware.

14. Termination

Soma may, at its sole discretion, suspend or terminate your access to the Services at any time, for any reason, without prior notice. Upon termination, all rights granted to you under these Terms will immediately cease. Termination does not affect any existing insurance policy, which remains subject to its own terms and applicable law.

15. Miscellaneous

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. Soma's failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. These Terms constitute the entire agreement between you and Soma regarding the Services.

16. Contact Us

If you have questions about these Terms, contact us at:

• Email: [email protected]
• Phone: (302) 208-8102