TERMS & CONDITIONS
Effective Date: November 3, 2026
These Terms & Conditions (“Terms”) govern use of the Titan Insurance Group LLC website, online insurance inquiries, quote requests, and related online agency services. By using these services, you agree to these Terms to the extent permitted by law. These Terms do not replace any issued insurance policy or separate carrier agreement.
1. Website Use
This website provides general information about Titan Insurance Group LLC and its insurance services. You agree to use the website lawfully and not to submit fraudulent information, interfere with its operation, access systems without authorization, or infringe the rights of others.
2. Insurance Agency Services and Availability
Titan Insurance Group LLC (the “Agency,” “we,” “us,” or “our”) assists customers with insurance inquiries, quotations, applications, and policy-related service. Insurance is offered through independent insurance carriers and other authorized providers, subject to underwriting and availability.
Products and services are available only where the Agency and applicable producers are properly licensed and where a participating carrier offers the coverage. Availability may vary by state and by risk.
3. Quotes, Applications, and Binding of Coverage
Quotes and premium estimates are not guarantees of price, eligibility, approval, or issuance. They may change following underwriting, verification, coverage selection, or carrier review.
Coverage availability, terms, rates and approvals are determined by the insurance carriers. Submission of an inquiry does not bind insurance coverage or issue a policy.
Coverage takes effect only when properly bound or issued by an authorized party in accordance with the insurer’s procedures. A form submission, quote, email, voicemail, or text message is not proof of coverage.
4. Customer Information and Responsibilities
You agree to provide information that is accurate, current, and complete, and not to submit information on another person’s behalf without authorization. Errors or omissions may affect eligibility, premiums, underwriting, or claims.
You are responsible for reviewing applications, coverage elections, policy documents, notices, and renewal terms and promptly reporting corrections or material changes.
5. Policy Terms, Payments, Changes, and Claims
The issued insurance policy, declarations, endorsements, and applicable law control coverage, limits, deductibles, exclusions, premiums, billing, renewals, cancellations, and claims. General website descriptions do not alter policy provisions.
Payments, premium financing, and carrier transactions are subject to applicable agreements and processing requirements. Requests to change, renew, cancel, reinstate, or bind coverage are not effective solely because they were submitted by website form, email, voicemail, or text; obtain confirmation from an authorized party.
For a claim, loss, cancellation deadline, or urgent coverage matter, promptly contact the insurer or claims administrator using the instructions in your policy. Do not rely on website forms or texting as emergency reporting channels.
6. Electronic Communications
We may respond to inquiries and provide requested customer service by appropriate communication channels. Providing a telephone number or email address does not, by itself, authorize marketing calls, emails, or automated texts where separate consent is required.
Ordinary email may not be secure. Do not transmit Social Security numbers, payment-card details, or other sensitive information unless we have provided an appropriate secure method.
7. SMS Text Messaging Terms
SMS Terms: You can contact Titan Insurance Group LLC by calling or texting 888-904-6848. By texting Titan Insurance Group LLC, you agree to receive conversational text messages regarding your inquiry, appointment, order, or account. Message frequency may vary. Message and data rates may apply. Reply STOP to opt out at any time. Reply HELP for assistance. Your mobile number will not be shared with third parties for marketing or promotional purposes.
We obtain consent when required by applicable law and messaging-program rules. Consent to receive marketing text messages is not a condition of purchasing insurance. Following a valid STOP request, we may send one confirmation and will discontinue messages from the applicable program unless new consent is provided. Mobile carriers are not liable for delayed or undelivered messages.
8. Third-Party Carriers, Tools, and Links
Insurance policies are underwritten and issued by the applicable insurers. Third-party carriers, payment processors, communication platforms, and linked websites may have separate terms and privacy practices. We do not control or guarantee independently operated websites or services.
9. Intellectual Property
The Agency’s name, logos, original content, graphics, and website materials are owned by or licensed to the Agency and may be protected by intellectual-property laws. Unauthorized copying, republication, or commercial use is prohibited except as permitted by law.
10. Website Disclaimers
Website content is provided for general information, not individualized insurance, legal, tax, or financial advice. Information may change without notice. To the extent permitted by law, the website is provided “as is” and “as available,” without warranties of uninterrupted operation, accuracy, or fitness for a particular purpose.
Nothing on this website modifies a policy or overrides any mandatory requirements of law.
11. Limitation of Liability
To the extent permitted by applicable law, the Agency is not liable for indirect, incidental, special, or consequential losses arising solely from use of or inability to use this website. This limitation does not exclude liability or remedies that cannot lawfully be limited, including applicable insurance and consumer-protection obligations.
12. Indemnification
To the extent permitted by law, you agree to indemnify the Agency against third-party claims and reasonable costs directly resulting from your unlawful misuse of this website, your submission of knowingly false information, or your infringement of another party’s rights. This provision does not waive rights or protections that cannot be waived under applicable law.
13. Georgia Law and Changes to These Terms
These website Terms are generally governed by Georgia law and applicable federal law, subject to mandatory laws of other jurisdictions. Insurance policies and insurance-related disputes remain subject to the law and policy provisions applicable to the transaction.
We may revise these Terms by posting an updated version and effective date. Changes apply prospectively except where otherwise permitted by law.
14. Contact Information
Titan Insurance Group LLC
Customer Service: customerservice@thetitaninsurance.com
Customer Service Phone: 888-904-6848 Ext. 702
Quoting Department: 888-904-6848 Ext. 703
Business Hours: Monday–Friday, 9:00 AM–7:00 PM Eastern Time; Saturday by appointment.
Website: https://thetitaninsurance.com/terms
