These Website Terms and Conditions (“Terms”) set forth the terms relating to your use of Tower15Insurance.com (“Website”) which is operated by Tower 15 Insurance, LLC (“Tower 15”). These Terms are applicable to your use of this Website regardless of how you accessed it. If you do not wish to be bound by these Terms, please discontinue using and accessing this Website immediately.

Privacy Policy

All information provided to Tower 15 through this Website is subject to the tower15insurance.com Privacy Policy which you may visit here: Tower 15 Privacy Policy

Your Use of This Website

You may not use this Website to engage in any illegal activity. You may not use this Website to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party’s intellectual property or other proprietary rights. In the event you engage in activity that is illegal, defamatory, libelous, threatening, or harassing, Tower 15 reserves the right to disclose any information you provide through the use of this Website to law enforcement authorities as deemed appropriate in the sole discretion of Tower 15. You agree that any information you provide through this Website will be truthful and accurate.

Tower 15 Intellectual Property Rights

The Tower 15 mark, Tower 15 Insurance mark, and other related marks are owned by Tower 15 Insurance, LLC and its affiliated organizations. Tower 15 may possess intellectual property rights in other logos, words, or phrases not listed here. Intellectual property rights of third parties may apply where noted. Except where otherwise indicated, all materials on this Website including but not limited to graphics, text, software, audio, video, and files, are the property of Tower 15 and are protected by copyright or other intellectual property laws. Tower 15 reserves all rights to its intellectual property. You may print out a single copy of pages on this Website for your personal, non-commercial use provided that all copyright, trademark or other notices are retained.

Links To and From Other Sites

For your convenience, Tower 15  may provide links to other Internet sites that Tower 15 does not maintain. You should not interpret any link to/from other sites as indicating that Tower 15 sponsors or endorses the sites or their materials or that the sites are affiliated with Tower 15 in any manner. Tower 15 is not responsible for anything contained on such sites and makes no warranties or representations about the contents, products or services offered on such sites. Tower 15 is not responsible for and makes no warranties or representations about the content, products or services offered on any sites that you may elect to use in connection with this Website.

Availability of Products and Services

Tower 15 does business in certain states in the United States of America and not all products and services will be available in your state. Please see list of states and license numbers here

Insurance Quotes

All quotes generated by this Website or by an employee of Tower 15 are estimates based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on this Website are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to Tower 15. All applications are subject to underwriting approval. Coverages and availability may vary by state and additional minimum coverage limits may be available in your state.

Disclaimer of Warranties

ANY INFORMATION, SERVICES, MATERIALS, SOFTWARE, CALCULATORS OR OTHER ITEMS ON THIS WEBSITE ARE PROVIDED “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Tower 15  DOES NOT WARRANT THAT THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR FEE. ANY RISK ARISING OUT OF USE OR PERFORMANCE OF THE INFORMATION, SERVICES, MATERIALS, SOFTWARE, CALCULATORS OR OTHER ITEMS REMAINS ENTIRELY WITH YOU.

Limitation of Liability

TOWER 15 WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF THIS WEBSITE. THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF (OR INABILITY TO USE) THE WEBSITE; (2) USE OF (OR INABILITY TO USE) ANY WEBSITE TO WHICH YOU HYPERLINK FROM THIS WEBSITE; (3) FAILURE OF PERFORMANCE; (4) ERROR; (5) OMISSION; (6) INTERRUPTION; (7) DEFECT; (8) DELAY IN OPERATION OR TRANSMISSION; (9) COMPUTER VIRUS; OR (10) LINE FAILURE. Tower 15  IS NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. FURTHERMORE, EXCEPT AS PROVIDED BELOW, Tower 15  IS NOT LIABLE EVEN IF Tower 15  HAS BEEN NEGLIGENT OR IF TOWER 15 HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

HOWEVER, IN CERTAIN STATES WHERE THE LAW MAY NOT ALLOW  TOWER 15  TO LIMIT OR EXCLUDE LIABILITY FOR THESE INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY AND YOU MAY HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES. IN ANY EVENT, TOWER 15’S LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES AND CLAIMS OF ANY KIND, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR THEY ARE CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT OR ANY OTHER LEGAL THEORY, WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO TOWER 15 FOR ITS PRODUCTS OR SERVICES.

Changes to These Terms

The content of this Website and of these Terms are subject to change by posting amended Terms to this Website without prior notice.

Applicable Law/Severability

These Terms shall be governed by and interpreted according to the laws of the State of Delaware without respect to any conflict of laws provisions. If any portion of these Terms is unlawful, void or unenforceable, it shall not affect the validity or enforceability of any other provision.

  1. California Users and Residents

Pursuant to California Civil Code Section 1789.3, any questions about pricing, complaints, or inquiries about Tower 15  must be addressed to our agent for notice and sent via certified mail to that agent. For our agent’s most current contact information, please click here to contact us. 

Lastly, California Users are also entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210

Contact Information

Tower 15 may be contacted by clicking CONTACT