Last updated · April 25, 2026
These Terms of Service ("Terms") govern your access to and use of InSifter, including the website at insifter.com, our mobile interfaces, our API, and any related services we provide (collectively, the "Service"). The Service is operated by InSifter ("InSifter," "we," "us," or "our"). By accessing or using the Service, you agree to be bound by these Terms.
Please read these Terms carefully. They include important provisions about how disputes are resolved (Section 16), limit our liability (Section 14), and clarify that ratings and reviews are opinions formed in good faith (Section 8). Use of the Service constitutes acceptance of these Terms.
By accessing or using the Service, you represent that you are at least 18 years old and have the legal capacity to enter into a binding agreement. If you do not agree to these Terms, do not access or use the Service. InSifter may update these Terms from time to time. Material changes will be reflected in the "Last updated" date above. Continued use of the Service following the posting of revised Terms means you accept the revised Terms.
InSifter is an editorial and information platform serving independent insurance agents and the broader insurance industry. The Service provides:
InSifter is not an insurance carrier, broker, agency, agent, or licensed insurance professional. We do not sell insurance, place coverage, or provide insurance advice. We are an information platform.
InSifter is editorially independent. We do not accept payment from carriers, aggregators, lead vendors, or any other entities in exchange for inclusion in our directory, favorable ratings, suppression of unfavorable content, or any influence over our editorial decisions. Carriers and other companies cannot purchase ratings, remove ratings, or buy preferential placement.
To the extent the Service ever incorporates paid placements (such as labeled advertisements or sponsored content), they will be clearly identified as such and will not influence our editorial coverage.
Some features require an account. You agree to provide accurate, current, and complete information during registration and to keep your account information updated. You are responsible for maintaining the confidentiality of your credentials and for all activities under your account. Notify us immediately at support@insifter.com if you suspect unauthorized access.
We reserve the right to suspend or terminate accounts that submit false information, abuse the Service, or violate these Terms.
InSifter relies on submissions from users, including ratings, reviews, commission data, questions, and other content (collectively, "User Content"). By submitting User Content, you represent and warrant that:
By submitting User Content, you grant InSifter a worldwide, non-exclusive, royalty-free, sublicensable, perpetual, and irrevocable license to use, reproduce, distribute, display, modify (e.g., for length or clarity), and otherwise exploit the User Content in connection with the Service and the operation, promotion, and improvement of InSifter. You retain ownership of your User Content.
User Content, particularly commission data, may be combined with submissions from other users to produce aggregated and de-identified statistics. Aggregated data does not identify individual contributors.
We have no obligation to publish, retain, or display any User Content. We may edit User Content for length, clarity, or compliance with these Terms; remove User Content that violates these Terms; or decline to publish submissions for any reason.
You agree not to:
Information presented on InSifter is gathered from multiple sources, including agent submissions, public regulatory filings, public company materials, and editorial research. Our methodology, sources, and limitations are described in detail on our Methodology page, which is incorporated into these Terms by reference.
Ratings, scores, narrative summaries, editorial commentary, and user reviews published on InSifter are statements of opinion formed in good faith by the contributing agent or by InSifter's editorial team based on the information available to us. They are not statements of fact about the quality of any company's products, services, or operations.
Some content on InSifter (for example, AM Best ratings, founding dates, headquarters locations, and publicly stated commission ranges) reflects factual information sourced from third parties or company representations. We work to keep this factual information accurate. If you believe specific factual information is incorrect, see our Corrections process.
The Service is intended for informational and educational purposes only. Nothing on the Service constitutes:
You should consult a licensed insurance professional, attorney, accountant, or other appropriate advisor before making decisions based on information from the Service. Your reliance on any information from the Service is solely at your own risk.
Commission rates published on the Service represent agent-reported averages or ranges for specific combinations of carrier, line of business, state, and channel. Commission terms in the insurance industry vary based on production volume, contract type, exclusivity arrangements, individual negotiation, and other factors. Published commission data should never be used as the sole basis for any business decision. Always verify current contract terms directly with the relevant carrier or aggregator.
Names, trademarks, and logos of carriers, aggregators, lead vendors, and other companies referenced on the Service are the property of their respective owners. Reference to these names is made for the purposes of identification, factual reporting, comparison, and commentary, consistent with nominative fair use. Mention of any company on the Service does not imply endorsement, partnership, or affiliation between InSifter and that company.
Except for User Content, all content, software, design, layout, and other materials on the Service are owned by InSifter or our licensors and are protected by copyright and other intellectual property laws. You may not copy, reproduce, modify, distribute, or create derivative works from our content without our prior written permission, except as expressly permitted by these Terms or applicable law (such as fair use for commentary, criticism, or news reporting).
Our collection and use of personal information are described in our Privacy Policy, which is incorporated into these Terms by reference.
The Service and all content on the Service are provided "as is" and "as available" without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, completeness, non-infringement, or uninterrupted availability. InSifter makes no warranty that the Service will meet your requirements or be error-free.
To the maximum extent permitted by applicable law, InSifter and its officers, directors, employees, contractors, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to lost profits, lost commissions, lost business opportunities, lost data, or business interruption, arising out of or related to your use of the Service or your reliance on any content from the Service, even if InSifter has been advised of the possibility of such damages.
In no event shall InSifter's total liability to you for all claims arising out of or relating to the Service or these Terms exceed the greater of (a) one hundred U.S. dollars ($100), or (b) the amount you have paid InSifter for the Service in the twelve (12) months preceding the claim.
Some jurisdictions do not allow certain limitations of liability or warranty disclaimers. To the extent any limitation in these Terms is held unenforceable in your jurisdiction, that limitation will apply to the maximum extent permitted by applicable law, and the remaining limitations will continue in full effect.
You agree to indemnify and hold harmless InSifter and its officers, directors, employees, contractors, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Service; (b) your User Content; (c) your violation of these Terms; or (d) your violation of any third party's rights.
If you have a dispute with us, you agree to first attempt to resolve it informally by contacting us at legal@insifter.com. We will attempt to resolve disputes informally for at least sixty (60) days before either party initiates formal proceedings.
These Terms and any dispute arising out of or related to them or the Service are governed by the laws of the State of Missouri, without regard to its conflict of laws principles, except that any United States federal law (including without limitation the Communications Decency Act) that applies to the Service will apply.
Subject to the informal resolution provision above, any legal action arising out of or related to these Terms or the Service must be brought in a state or federal court of competent jurisdiction located in Missouri. You consent to the personal jurisdiction of such courts and waive any objection on grounds of inconvenient forum.
The Service includes commentary, opinion, and reviews on matters of public interest, including the practices of insurance carriers, aggregators, and lead vendors. Nothing in these Terms is intended to waive any party's rights under applicable anti-SLAPP statutes or other laws protecting speech on matters of public concern.
We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including violation of these Terms. You may stop using the Service at any time. Sections that by their nature should survive termination (including Sections 5, 8, 11, 12, 14, 15, 16, and this Section 17) will survive any termination.
InSifter is an interactive computer service that displays User Content provided by third parties (i.e., users of the Service). Consistent with 47 U.S.C. § 230, InSifter is not the publisher or speaker of User Content provided by other users, and InSifter is not liable for the content, accuracy, or legality of User Content posted by users.
If you believe content on the Service infringes your copyright, send a notice that complies with 17 U.S.C. § 512(c)(3) to our designated agent at dmca@insifter.com. We will respond to valid notices in accordance with the Digital Millennium Copyright Act.
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full effect, and the unenforceable provision will be enforced to the maximum extent permissible. These Terms (together with our Privacy Policy and Methodology) constitute the entire agreement between you and InSifter regarding the Service.
For questions about these Terms: legal@insifter.com
For corrections requests: see our Corrections process or email corrections@insifter.com
For privacy questions: privacy@insifter.com