Terms of Use

You agree to be bound by the terms and conditions contained within the Terms of Use, as well as our Privacy Policy. Collectively, these form a legally binding agreement between us and you. The terms “StartSure”, “we, “us,” or “our” mean StartSure Insurance Inc., a Delaware Corporation, which does business as StartSure in New York. The terms “you,” “customer,” and “user” shall mean you, users of our Services, and any entity or organization you or such users represent. The term “Services” means, collectively, the website at www.startsure.co (“Website”), various websites, applications, widgets, information, services, email notifications and other media, or portions of such media, through which you have accessed the Terms of Use. The Terms of Use contain an agreement to arbitrate all claims and disclaimers of warranties and liability.

If you do not agree to all of these terms and conditions, do not access or otherwise use the website or any information contained on this website. These terms and conditions of use may be revised periodically at any time without notice to you. It is your responsibility to visit this website frequently to review carefully the current terms and conditions of use which govern your continued use of this website. Each and every time you access this website you shall be deemed to have agreed to the then current terms and conditions of use. As a condition of your use of this website, you warrant that you will not use this website for any purpose that is unlawful or prohibited by these terms and conditions of use or reproduce or distribute any portions of the website for any commercial use except as authorized by these terms of use.

No insurance product or security is offered or will be sold in any jurisdiction in which such offer or solicitation would be unlawful under the laws of such jurisdiction. Not all insurance coverages or products are available in all jurisdictions.

StartSure co-work insurance is underwritten by Arch Insurance Company. Arch Insurance Company (a Missouri corporation, NAIC #11150) is licensed as an insurer in all 50 states, the District of Columbia, Puerto Rico and the U.S. Virgin Islands.

You agree to be bound by the terms and conditions contained within the Terms of Use, as well as our Privacy Policy. Collectively, these form a legally binding agreement between us and you. The terms “StartSure”, “we,” “us,” or “our” mean StartSure Insurance Inc., a Delaware Corporation, which does business as StartSure in New York. The terms “you,” “customer,” and “user” shall mean you, users of our Services, and any entity or organization you or such users represent. The term “Services” means, collectively, the website at www.startsure.co (“Website”), various websites, applications, widgets, information, services, email notifications and other media, or portions of such media, through which you have accessed the Terms of Use. The Terms of Use contain an agreement to arbitrate all claims and disclaimers of warranties and liability.

By using our Services and visiting our Website, you voluntarily accept and consent to the Terms of Use, and your consent and acceptance is supported by sufficient and valuable consideration. You acknowledge that this consideration includes, but is not limited to, access to our Services and your ability to interact with our Services. You expressly represent that you have the capacity to agree to be bound to the Terms of Use and, given that you are acting on behalf of a business entity or other organization, agree that you have the authority to so bind that entity or organization.

You consent to and agree that StartSure may collect data and Personal Data, as defined by Section 2 of our Privacy Statement, from you even though we may not be able to offer you any available products or services for purchase. StartSure currently only sells products or services in a limited number of states and currently only sells limited insurance products. If you voluntarily provide us with any information about yourself or a third party, you agree that StartSure reserves the right to use that data for market analysis, advertising, or other commercial purposes. This is true even if StartSure cannot offer you or a third party products or services for sale at the time you provide us with this information. When applying for a commercial automobile insurance policy, you represent that you have provided notice to and obtained consents from your employees that will allow us to obtain any motor vehicle records related to those employees to be used in underwriting decisions.

By signing up for our Services, you consent to receive all insurance documents – including identification cards – in electronic form only to an email address you provide. You can access your ID cards, policy documents, and related information via any modern web browser on an internet-connected device such as a tablet, phone, or laptop. If you are unable to gain access to one of these devices, you are able to call StartSure at (212)-655-7697 and one of our agents can provide you with a physical copy.

As a condition to using certain features of our Services, we automatically create accounts for users. Your email address will be your username. Logins will require a one-time password or access to your email inbox for verification. You may not use an email address which purports to represent or impersonate a person other than yourself. We reserve the right to refuse or cancel registration of any username in our sole discretion. You are responsible for maintaining the confidentiality of your username and password. You further agree to notify us immediately, at [email protected], if you become aware of any unauthorized use involving your username and/or password.

Our Services, as well as their underlying processes, related content, and generated data, may not be used for personal, family, household, informational, or non-commercial use. You may not copy, reproduce, sell, distribute, replicate, duplicate, relay, transmit, broadcast, or license our Services or their underlying processes, related content, or generate data without StartSure’s express written consent. Your use of our Services is not transferable by you to any other person or entity. Your access and use of our Services may be interrupted by, without limitation, maintenance of our equipment or networks, malfunction of our equipment or networks, or inadvertently by a third party or parties. We reserve the sole right to suspend or discontinue the availability of our Services at any time in our sole discretion and without prior notice or consent.

(A). Generally. To purchase any goods and/or services on our Website, you must be at least eighteen (18) years of age or the applicable age of majority in your jurisdiction of residence. Prior to the purchase of any goods or services on our Website, you must provide us with a valid credit card number and associated payment information including all of the following: (i) your name as it appears on the card, (ii) your credit card number, (iii) the credit card type, (iv) the date of expiration; and (v) any activation numbers or codes needed to charge your card. By submitting that information to us, you hereby agree that you authorize us to charge your card within thirty (30) days of credit card authorization, and monthly thereafter for the term of your policy. All sales of products and services are subject to the terms and conditions within each insurance policy. For each product or service that you order on the Website, you agree to pay the price applicable (including any sales taxes, surcharges and any delivery fees for the delivery service you select) as of the time you submitted the order. We will automatically bill your credit card or other form of payment submitted as part of the order process for such price. Please note that we do not provide price protection or refunds in the event of a price drop or promotional offering.

(B). Methods of Payment, Credit Card Terms and Taxes. All payments must be made by Visa, MasterCard, Discover and American Express. We currently do not accept cash, personal or business checks or any other payment form, although in the future we may change this policy. Your card issuer agreement governs your use of your designated card, and you must refer to that agreement and not this Terms and Conditions of Use to determine your rights and liabilities as a cardholder. You hereby represent and warrant that you will not use any credit card or other form of payment unless you have all necessary legal authorization to do so. You agree to pay all fees and charges incurred in connection with your purchases (including any applicable taxes) at the rates in effect when the charges were incurred. Unless you notify us of any discrepancies within sixty (60) days after they first appear on your credit card statement, you agree that they will be deemed accepted by you for all purposes. If we do not receive payment from your credit card issuer or its agent, you agree to pay all amounts due upon demand by us or our agents. Sales taxes, or other taxes, customs, import/export charges, or similar governmental charges are not included in the price of the products. You are responsible for paying any such taxes or charges imposed on your purchases, including, but not limited to, sales, use or value-added taxes. We shall automatically charge and withhold the applicable tax for orders to be delivered to addresses within any states or localities that it deems is required in accordance with our order policy in effect at the time of purchase.

(C). Order Acceptance Policy. Your receipt of an electronic or other form of order confirmation does not signify our acceptance of your order for an insurance policy, nor does it constitute confirmation of our offer to sell a policy to you. We reserve the right at any time after receipt of your order to accept or decline your order for any reason. Your order will be deemed accepted by us upon our issuance of the insurance policy that you have ordered. We may require additional verifications or information before accepting any order. Notwithstanding the foregoing, you agree that, if we cancel all or a portion of your order, your sole and exclusive remedy is either that: (a) we will issue a credit to your credit card account in the amount charged for the cancelled portion (if your credit card has already been charged for the order); or (b) we will not charge your credit card for the cancelled portion of the order. Do not assume that a cancellation or change of an order you have placed with us has been effected until you receive a confirmation from us via email or the Website. As stated above, you will be responsible for, and your credit card or third-party payment account may be charged for, the payment of all fees associated with orders already processed before your cancellation/change request was received.

(D). No Responsibility to Sell Mispriced Products or Services. We do our best to describe every item, product or service offered on this Website as accurately as possible. However, we are human, and therefore we do not warrant that specifications or pricing on the Website is complete, accurate, reliable, current, or error-free. In the event of any errors relating to the pricing or specifications of any policy, we shall have the right to refuse or cancel any orders in its sole discretion. If we charged your credit card prior to cancellation, we will issue a credit to your account in the amount of the charge. Any insurance policy purchased contains the terms and conditions applicable to such policy. In the event of any conflict between the policy and the description of the policy on this Website, the policy shall govern.

(E). Modifications to Prices or Billing Terms. STARTSURE RESERVES THE RIGHT, AT ANY TIME, TO CHANGE ITS PRICES AND BILLING METHODS FOR PRODUCTS OR SERVICES SOLD, EFFECTIVE IMMEDIATELY UPON POSTING ON THE WEBSITE OR BY E-MAIL DELIVERY TO YOU.

• You are responsible for anything you transmit to or through StartSure’s Website or to StartSure through email, short message service or text, voice calls, Facebook, Twitter, Google Review, or any similar service. You represent that your transmissions to StartSure are and will be truthful, accurate, not misleading, offered in good faith and that you have authority to transmit such information. In using this Website, you agree that it is solely your responsibility to avoid certain activities that we deem, at our discretion, to be prohibited. These prohibited activities include without limitation:
  • Criminal activity or tortious activity, including (i) fraud or misrepresentation, (ii) harassment (such as verbal harassment), (iii) infringement or misappropriation of a third party’s copyright, trademark, patent, trade secret, or other intellectual property, (iv) slander, libel, defamation, or use of content that is obscene, pornographic, vulgar or offensive, (v) use of content that promotes discrimination, bigotry, racism, hatred, harassment, violence, or harm against any individual or group, and (vi) content that promotes illegal or harmful activities or substances
  • Advertising to, or solicitation of, any user to buy or sell any products or services
  • Attempting to impersonate, or impersonating, another user or entity
  • Using a false email address, phone number, postal address, or contact information. You are also prohibited from using an email address, phone number, address or contact information of another entity or person without authorization
  • Attempting to access or search the Services or engaging in any automated use of the System, such as using scripts, spiders, crawlers, data mining tools, or the like to collect data, send comments or messages, post on forums, and/or request information
  • Attempting to probe, scan, or test the vulnerability of any StartSure system or network, or breach any security or authentication measures; Interfering with, disrupting, or creating an undue burden on our Services or the underlying networks
  • Attempting to probe, scan, or test the vulnerability of any StartSure system or network, or breach any security or authentication measures; Interfering with, disrupting, or creating an undue burden on our Services or the underlying networks
  • Avoiding, bypassing, removing, deactivating, impairing, descrambling otherwise circumventing any technological measure implemented by StartSure or any of StartSure’s providers or any other authorized third party to protect the Services
  • Using mega tags or other hidden text or metadata utilizing a StartSure trademark, logo, URL, or product name without StartSure’s express written consent
  • Using information or scraping information from our Services for any purpose whatsoever
  • Using the Services for any commercial purpose or for the benefit of any third party or in any manner not permitted by these Terms of Use
  • Using the Services to send altered, deceptive, or false source-identifying information
  • Attempting to decipher, decompile, disassemble, or reverse engineer any of the software used to provide the Services
  • Interfere with, or attempt to interfere with, the access of any user, host or network, including without limitation, sending a virus, overloading, flooding, or spamming the Services
  • Collecting or storing any personally identifiable information from the Services from other users of the Services without their express permission
  • Using our Services in a manner inconsistent with any and all applicable laws and regulations; and
  • Encouraging or enabling any other individual to do any of the foregoing.

We reserve the right, but have no obligation to, monitor our Services for your or third party violations of the Terms of Use, take appropriate legal action against anyone who violates the Terms of Use, refuse or restrict access to or availability of any user`s interaction with the Services, remove the Services, or otherwise disable all files and content at our discretion, and otherwise manage the Services in order to protect the rights and property of StartSure and its customers.

We may restrict, suspend, or terminate your use of or access to our Services in the event that you violate the Terms of Use and, at our sole discretion, as permitted by law. We may change the Services or content, or otherwise restrict access to all or parts of our Services without providing notice at our discretion, as permitted by law.

StartSure makes no representations or warranties about the suitability of the content of its Website for any purpose. StartSure provides all content of its Website on an “as is” and an “as available” basis without any warranty of any kind.

StartSure acts as an agent that represents insurance companies to whom it will submit your insurance application and from whom it will procure your insurance coverage.

StartSure co-work insurance is underwritten by Arch Insurance Company.Arch Insurance Company (a Missouri corporation, NAIC #11150) is licensed as an insurer in all 50 states, the District of Columbia, Puerto Rico and the U.S. Virgin Islands.

• By using our Services, you represent and warrant to us that:
  • You are at least 18 years of age.
  • You are authorized to purchase and bind this insurance on behalf of the entity applying for coverage.
  • You have not had any judgments or liens placed against you in the last three years.
• You authorize StartSure, as well as its agents and representatives, to obtain consumer reports covered under the Fair Credit Reporting Act (“FCRA”) from a credit reporting agency of StartSure’s choice. You consent to StartSure, from time to time, obtaining and reviewing consumer reports in order to assess the insurability, or for any permissible purpose under the FCRA, with respect to you or the company or organization that you represent and/or own or operate. You understand that, pursuant to the FCRA, if any adverse action is taken based upon your consumer report, StartSure Insurance will alert you to this fact and send you a summary of your rights.
• To the extent you are applying for workers compensation insurance, you authorize the National Council on Compensation Insurance (“NCCI”) to release your prior, current and future experience rating worksheets and risk history report directly to StartSure only for the purposes of insurance underwriting. You understand that the risk history report provides up to five years of payroll and loss history, policy cancellation information, classification codes, and policyholder name and address contained within NCCI records. You acknowledge that StartSure requires this information in order to perform the services you have requested. You agree that NCCI will have no liability releasing the information as requested.
• If any of the above statements are not true, you should not and are not authorized to use our Services.

Our Services offer a platform that provides you with access to information and third party providers of products and services. We do not endorse or recommend any of these providers, and do not act as an agent with respect to such providers or with respect to you. We do not investigate, guaranty or certify that such providers are appropriately licensed, certified, or otherwise qualified to offer these products and services. You agree that you are solely responsible to investigate these providers, and that you are solely responsible and liable for any products or services they may provide you that may give rise to costs, damages, liabilities, fees, or fines. We suggest that you consult financial advisers, insurance agents, or other qualified professionals who may be fully aware of your individual circumstances and needs prior to making any financial or insurance purchasing decisions. You agree that you are relying solely on your judgment and that of your advisors in purchasing products or services through our Services or based on information provided by our Services.

The Terms of Use are between you and StartSure, and no provision within the Terms of Use confers any implied or express right to any third party. The Terms of Use do not provide you with any authority to bind StartSure in any way.

You may not transfer, assign, or license your rights under the Terms of Use without our prior express and written consent.

Our Services are intended for use for those areas in the United States where we, our affiliates, our partner insurers, our brokers, or our agents are licensed and permitted to sell our products and services. Although our Services may be accessed by users in other locations, any offer or transaction for any feature, product, or service is void where prohibited by law.

Our Services are not directed at minors, that is, persons younger than 18 years old. If you are not at least 18 years old, please do not attempt to access our services. We do not knowingly contact or collect personal information from persons under 18 years old, and such a person should not provide us with any information.

You agree that the Terms of Use (and incorporated Privacy Statement and Cookies Policy) are governed and interpreted by the laws of the State of Delaware without regard to principles of conflicts of law. By using our Services, you agree to personal and exclusive jurisdiction of the state and federal courts of Delaware in order to resolve any dispute arising from your use of the Services, including but not limited to the enforcement of any arbitration award. You further agree to waive any objection to such jurisdiction or venue.

The Terms of Use may not be modified through oral agreement or statements. The individual employees of StartSure, StartSure’s partners, and StartSure’s third party affiliates are not authorized to modify the Terms of Use except by the mechanism stated herein. Any employee offering to modify the Terms of Use is not acting as an agent of StartSure or with proper authority to bind StartSure. You agree not to rely on any statement, written or oral, by any employee or agent of StartSure or any third party with respect to modification or interpretation of the Terms of Use.

Except as otherwise provided herein, in the event that any provision contained within the Terms of Use is deemed to be unenforceable, invalid, or ambiguous, such provision shall be limited or discarded to the minimum extent necessary so that the remaining provisions of the Terms of Use remain in full force and enforceable.

Neither party shall be deemed to have waived, in whole or in part, any of its rights granted herein by its failure to exercise, in whole or in part, any right herein.

Neither party shall be responsible for any delay or failure in any performance due to acts of God, war, warlike conditions, blockade, embargoes, riots, government restriction, labor disturbances, unavailability of anticipated or usual means of supplies, wrecks, epidemics, quarantine, fire, flood, earthquake, explosion, any unforeseen change in circumstances, or any other causes beyond any party’s reasonable control.

The Terms of Use and only those Policies or Notices expressly incorporated by reference herein constitute the entire agreement of the parties and supersede any prior or contemporaneous agreements, understandings, warranties, or understandings, whether written or oral, whether express or implied, with connection to our Services.

At its discretion, StartSure may amend the Terms of Use from time to time. We will post any such material changes to our Website along with a notice indicating that the Terms of Use have changed at least thirty (30) days prior to the effective date of these changes, when practicable. Should we materially change the Terms of Use, you may cancel your account with us by contacting us in accordance with the “Contact StartSure” provision of the Terms of Use before the effective date of the modified Terms of Use. You will not be bound by the updated Terms of Use if you cancel your account within this time period.

In the event StartSure may choose or become obligated to provide you with notices under or related to the Terms of Use, you consent to receive such notices or related communications by StartSure posting them on its Website, by sending them to you via an email address you provided, or by sending them to a postal address you provided, at our discretion. You further agree that any such communication as described herein satisfies any legal requirement that the communication must be provided in writing.