What we are, and what this site is

What we are

Equitable Insurance Services is an insurance agency. We arrange insurance between you and the carriers that underwrite it. We are not an insurer: we do not carry the risk, we do not set the final premium, and we do not decide claims. The carrier named on your policy does all three.

Licensing

Insurance in the United States is regulated state by state. An agency and the individual producers working for it must hold a licence in each state where they transact, and that licence covers specific lines of authority — property and casualty, life, accident and health, and so on. We can only offer you products in a state and a line we are licensed and appointed for.

If you are not sure whether that covers you, ask before you spend time on an application. You can also verify any producer licence independently through your own state insurance department.

How we are paid

For most policies, the carrier pays us a commission that is already built into the premium you are quoted. On some commercial placements we agree a fee with you instead. We will tell you which applies before you commit. If you ask what we earn on a particular placement, we will tell you.

What this website is not

• It is not a quotation. Prices depend on underwriting and are confirmed in writing.
• It is not an offer of cover. No cover exists until a policy is issued and the first premium is paid.
• It is not advice about your particular circumstances. Product pages describe cover in general terms.
• It is not a statement of what any specific policy covers. The policy wording governs — if this site and your policy disagree, your policy decides.
• It is not legal or tax advice. Several products on this site have tax consequences and you should take your own advice on them.

Availability

Not every product described here is available in every state, and the cover, limits and exclusions attached to a product differ between carriers and between states. Some products are not available at all in some jurisdictions. We will tell you what is actually available to you at your address before you apply.

Sanctions and restricted jurisdictions

We are required to screen against United States sanctions programmes and cannot place cover, accept premium or pay claims where doing so would breach them. That applies regardless of where you live or where a risk is located, and we screen before binding rather than after.

Accessibility

We aim to meet WCAG 2.2 Level AA across this site. If any part of it prevents you from doing something, tell us and we will give you another route to do it — see our accessibility statement.

Complaints

If we get something wrong, tell us first at info@equitableinsuranceservices.com or on +1 205 506 0036. We will acknowledge a complaint in writing, tell you who is handling it, and give you an outcome with our reasoning.

If you are not satisfied with how we have handled it, you can escalate to the insurance department of the state you live in. Every state has one, each publishes a consumer complaints process, and using it does not cost you anything or affect your policy. Where a complaint concerns a decision made by the carrier rather than by us, the carrier's own complaints process applies as well, and we will help you use it.