Terms & Conditions

Acceptance of Terms

By accessing or using this website, submitting a quote request or contact form, or communicating with CTP Commercial Insurance Services LLC (“Company,” “we,” “our,” or “us”), you agree to these Terms & Conditions. If you do not agree, please do not use this website.

Our Services

CTP Commercial Insurance Services LLC is an insurance agency. We help businesses obtain commercial vehicle insurance — including semi truck, box truck, cargo van and TCP/taxi coverage — by gathering underwriting information, requesting quotes from insurance companies and wholesale brokers, and servicing policies once they are placed.

We are not an insurance company. Insurance policies are issued by the insurance companies that underwrite them, and claims are decided by those insurers under the terms of the policy.

No Binding of Coverage

Submitting a quote request, message, text, email or any other form through this website does not bind, change, renew or cancel insurance coverage.

Coverage is only in effect when it has been confirmed in writing by an authorized representative of our agency or by the insurance company. Do not operate a vehicle on the assumption that coverage is in force until you have received written confirmation.

Quotes and Eligibility

Quotes are estimates based on the information provided and are subject to underwriting review, carrier eligibility, availability, and change. A quote is not a guarantee that a policy will be issued or that the price will stay the same.

Insurance companies may request additional information, inspections or documentation before issuing a policy, and may decline to offer coverage.

Accuracy of Information You Provide

You agree to provide complete, accurate and truthful information about your business, vehicles, drivers, operations, and prior insurance and claims history, and to tell us promptly about any changes.

Inaccurate, incomplete or misrepresented information can lead to incorrect quotes, a denied claim, or the cancellation or rescission of a policy.

Coverage Descriptions

Descriptions of coverage on this website are general summaries for informational purposes only. They do not describe every term, condition, limitation or exclusion.

Your actual coverage is governed solely by the policy issued by the insurance company. Please read your policy carefully and contact us with any questions. Legal and regulatory requirements (such as FMCSA, CPUC, DMV or local permit requirements) can change; please confirm current requirements that apply to your operation.

Premiums, Payments and Fees

Premiums are set by the insurance company. Payments may be processed through the insurance company, a premium finance company, or a secure third-party payment processor.

Any fees charged by our agency will be disclosed to you in writing before you pay. Missing a premium or finance payment may result in cancellation of coverage by the insurer or finance company.

SMS / Text Message Terms

By providing your phone number through our website, forms or other channels, you agree to receive SMS text messages from CTP Commercial Insurance Services LLC about quote updates, policy and renewal reminders, account notifications, documents required and customer support.

Message frequency varies depending on your service activity and account status. Message and data rates may apply based on your mobile carrier plan.

Reply STOP to any message to opt out at any time. Reply HELP for assistance, or contact us directly. Consent to receive text messages is not a condition of purchasing any product or service.

SMS consent is not shared with third parties or affiliates for marketing purposes. See our Privacy Policy for details.

Privacy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use and protect your information.

Third-Party Services and Links

This website may use or link to third-party services, such as Google Maps, WhatsApp, social media platforms and payment processors. We are not responsible for the content, policies or practices of those third parties, and your use of them is subject to their own terms.

Intellectual Property

The content of this website — including the CTP name, logo, text, graphics and design — belongs to CTP Commercial Insurance Services LLC or its licensors and may not be copied, reproduced or used without our written permission.

Limitation of Liability

This website and its content are provided “as is” for general informational purposes. To the fullest extent permitted by law, we are not liable for any indirect, incidental or consequential damages arising from your use of the website or reliance on its general content.

Nothing in these Terms limits any rights you have under California insurance law or any other law that cannot be limited by agreement.

Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law rules.

Changes to These Terms

We may update these Terms & Conditions from time to time. Updates will be posted on this page with a revised Effective Date. Continued use of the website after changes are posted means you accept the updated Terms.

Contact Information