Terms & Conditions

Sunterra Insurance LLC

Effective Date: August 3rd, 2026

1. Introduction

Welcome to Sunterra Insurance LLC ("Sunterra Insurance," "we," "us," or "our"). These Terms & Conditions govern your access to and use of our website, www.sunterrainsurance.com, and the electronic communication services made available by our agency.

By accessing or using our website, you agree to these Terms & Conditions. If you do not agree, please discontinue use of the website.

Certain activities, including receiving marketing text messages, require separate consent as provided by applicable law.

These Terms & Conditions do not replace, modify, or supersede the terms of any insurance policy issued by an insurance carrier.

2. About Sunterra Insurance LLC

Sunterra Insurance LLC is a Florida-licensed insurance agency providing insurance solutions for individuals, businesses, commercial properties, multifamily properties, real estate investors, and other eligible clients.

Agency Information

Sunterra Insurance LLC
1915 Lavers Cir E306
Delray Beach, FL 33444

Phone: 561-699-3307
Email: trupert@sunterrainsurance.com
Website: www.sunterrainsurance.com
Florida Insurance Agency License: L137589

Sunterra Insurance operates as an insurance intermediary, assisting clients with evaluating insurance needs, obtaining quotations, completing applications, and securing coverage through authorized insurance carriers and insurance markets.

Insurance products and services are offered only where our agency and the individuals involved are appropriately licensed and authorized.

3. Website Information and Disclaimer

Information presented on this website is provided for general informational and educational purposes.

Although Sunterra Insurance makes reasonable efforts to provide accurate and current information, website content may not reflect every coverage option, exclusion, underwriting requirement, or insurance market condition.

Nothing on this website constitutes an insurance contract, guarantee of coverage, or binding commitment by an insurance carrier.

Descriptions of insurance products are general summaries and should not be relied upon as substitutes for actual insurance policy documents.

Visitors are encouraged to consult directly with a licensed insurance professional regarding their specific insurance needs.

4. Insurance Quotes and Applications

Sunterra Insurance may provide insurance quotations and application assistance through its website, telephone communications, email, text messaging, and other authorized communication channels.

Submitting an insurance inquiry, quote request, or application does not guarantee eligibility, coverage availability, or policy issuance.

All quotations are subject to applicable underwriting requirements, carrier approval, verification of information, and market availability.

Quoted premiums, deductibles, limits, exclusions, and other policy terms may change before coverage is bound.

Sunterra Insurance does not guarantee acceptance by any particular insurance carrier or availability of any particular insurance product.

5. Binding and Effective Dates of Insurance Coverage

Insurance coverage is not automatically bound, issued, modified, renewed, or canceled by submitting a website form, email, text message, voicemail, or other electronic communication.

A request for insurance coverage or a change in existing coverage does not establish that the requested transaction has been completed.

Coverage becomes effective only when properly bound or issued by an insurance carrier or authorized representative with the necessary authority, in accordance with applicable requirements.

Clients should obtain confirmation of coverage and review applicable policy documents before relying on any insurance protection.

Sunterra Insurance is not responsible for an assumption that coverage has become effective solely because an inquiry or request has been submitted.

Nothing in this section limits responsibilities imposed on the agency by applicable law.

6. Insurance Policy Terms and Coverage Limitations

All insurance coverage is subject to the actual terms, conditions, exclusions, deductibles, endorsements, limitations, and provisions of the applicable insurance policy.

Information appearing on this website, in marketing materials, or in general communications does not alter the terms of an issued insurance contract.

In the event of a discrepancy between a general coverage description and the applicable insurance policy, the policy documents govern, subject to applicable law.

Clients are encouraged to review all insurance documents carefully and contact Sunterra Insurance with questions or concerns.

7. Client Responsibilities and Accuracy of Information

Clients and prospective clients agree to provide accurate, complete, and truthful information when requesting insurance quotations, submitting applications, or obtaining insurance services.

Information may include personal details, business operations, property characteristics, ownership information, financial information, claims history, prior insurance coverage, and other relevant underwriting information.

Clients are responsible for reviewing insurance applications, proposals, and policy documents for accuracy.

Material inaccuracies, omissions, or misrepresentations may affect underwriting decisions, premiums, coverage availability, or claims determinations, subject to applicable law.

Clients should promptly notify Sunterra Insurance of material changes that may affect their insurance needs or existing coverage.

8. Electronic Communications and SMS/Text Messaging

8.1 Purpose of Electronic Communications

Sunterra Insurance may communicate with existing clients, prospective clients, and other authorized individuals through telephone calls, email, SMS/text messaging, and other electronic communication methods.

These communications may be used for:

• Responding to insurance inquiries and quotation requests.

• Collecting personal, business, property, and insurance-related information.

• Gathering information required for insurance applications and underwriting.

• Requesting supporting documents, inspections, loss runs, and property records.

• Discussing coverage options, premiums, deductibles, and policy terms.

• Delivering insurance quotations, proposals, and application updates.

• Coordinating electronic signatures and insurance documentation.

• Facilitating insurance purchases, renewals, endorsements, and servicing.

• Scheduling appointments and providing customer support.

• Providing promotional information when legally permitted and appropriately authorized.

8.2 Consent to Receive Text Messages

By providing a mobile telephone number and affirmatively consenting to receive text messages, individuals authorize Sunterra Insurance to send SMS communications within the scope of the consent provided.

Consent may be obtained through website forms, electronic agreements, or other legally recognized methods.

Where applicable law requires prior express written consent or another specific form of authorization, Sunterra Insurance will obtain such consent before sending covered communications.

Consent to receive marketing text messages is not a condition of purchasing insurance products or services.

Message frequency may vary. Message and data rates may apply.

8.3 Collection of Personal and Insurance Information by Text

Sunterra Insurance may use text messaging to request, receive, and process information necessary to assist with insurance quotations, applications, underwriting, and policy servicing.

Clients and prospective clients may voluntarily provide information such as:

• Names and contact information.

• Residential, commercial, and property addresses.

• Business and ownership information.

• Property characteristics and building details.

• Insurance coverage history.

• Claims and loss history.

• Financial and underwriting information.

• Supporting documents and application information.

Information obtained through text messaging may be incorporated into insurance applications or provided to authorized insurance carriers, wholesale brokers, managing general agents, and other appropriate insurance intermediaries.

For highly sensitive information, including Social Security numbers, banking credentials, payment card details, and government identification documents, Sunterra Insurance may require submission through a secure portal or other approved secure method rather than standard SMS.

8.4 Insurance Transactions Through Text Messaging

Text messaging may be used to facilitate insurance transactions, including collecting application information, discussing quotations, coordinating policy purchases, and communicating with clients during the insurance placement process.

However, submitting information, accepting a quotation, or expressing an intention to purchase insurance through text messaging does not, by itself, establish that insurance coverage has been bound or issued.

Coverage becomes effective only when properly authorized, bound, or issued in accordance with applicable insurance requirements.

Clients should obtain confirmation of coverage from an authorized representative.

Where signatures, acknowledgments, disclosures, or other formal authorizations are required, Sunterra Insurance may direct clients to an approved electronic signature or document processing system.

8.5 SMS Privacy and Information Sharing

Sunterra Insurance respects the privacy of individuals who communicate with our agency through text messaging.

Personal and insurance-related information collected through SMS may be used to provide requested insurance services and may be shared with authorized insurance providers and service providers as permitted or required by law.

Sunterra Insurance does not sell personal information.

Mobile phone numbers and SMS consent information will not be shared with third parties or affiliates for their own marketing or promotional purposes.

Information may be shared with messaging service providers solely as necessary to facilitate communications on behalf of Sunterra Insurance.

For additional information, please review our Privacy Policy.

8.6 Security of Text Communications

Standard SMS communications may not be encrypted end-to-end and may be accessible to mobile carriers, messaging providers, or individuals with access to a recipient's device.

Although Sunterra Insurance takes reasonable precautions to protect information, electronic communications cannot be guaranteed to be completely secure.

Clients should avoid transmitting highly sensitive financial, identifying, or confidential information through unsecured messaging channels.

Sunterra Insurance may direct clients to secure communication methods when appropriate.

8.7 Opting Out of Text Messages

Recipients may opt out of SMS communications at any time by replying STOP, where supported, or by contacting Sunterra Insurance directly.

For assistance, reply HELP where supported, call 561-699-3307, or email trupert@sunterrainsurance.com.

Opt-out requests will be honored in accordance with applicable law.

Opting out of text messaging does not prevent clients from contacting Sunterra Insurance through other available communication methods.

8.8 Message Delivery and Availability

Sunterra Insurance does not guarantee the immediate delivery, receipt, or availability of electronic messages.

Messages may be delayed or undelivered due to mobile carrier restrictions, network interruptions, technical failures, or other circumstances beyond our control.

Clients should not rely exclusively on text messaging for urgent or time-sensitive insurance matters, including requests to bind, modify, renew, or cancel coverage.

9. Electronic Documents and Signatures

Sunterra Insurance may utilize electronic documents, digital forms, electronic signatures, and electronic delivery systems to facilitate insurance transactions.

Where permitted by applicable law and supported by the necessary agreements or consents, electronic records and signatures may be used in connection with insurance applications, disclosures, acknowledgments, and related documents.

Electronic transactions remain subject to applicable insurance laws, carrier requirements, and document-specific execution requirements.

Clients may be directed to secure third-party electronic signature platforms to review and execute required documentation.

Nothing in these Terms & Conditions constitutes blanket consent to electronic delivery where separate consent or disclosure is legally required.

10. Privacy and Collection of Information

Sunterra Insurance may collect personal, business, financial, property, and insurance-related information necessary to provide requested insurance services.

Information may be collected through:

• Website contact and quotation forms.

• Telephone conversations.

• Email correspondence.

• SMS and text messaging.

• Insurance applications.

• Electronic document systems.

• Authorized third-party insurance providers.

We may also collect website usage information through cookies, analytics services, and similar technologies.

Sunterra Insurance does not sell personal information.

Information may be shared with insurance carriers, authorized intermediaries, and service providers as reasonably necessary to provide requested services or as otherwise permitted or required by law.

For further details, please review our separately published Privacy Policy.

11. Cookies and Website Analytics

Our website may use cookies and similar technologies to improve website functionality, analyze visitor activity, and evaluate marketing performance.

These technologies may include Google Analytics, Meta/Facebook advertising and measurement tools, and other website analytics services.

Depending on their configuration, such technologies may collect information regarding website visits, browser activity, device information, and interactions with website content.

Visitors may manage certain cookies through browser settings or available website privacy controls.

Where required by applicable law, Sunterra Insurance will obtain appropriate consent or provide applicable choices regarding nonessential tracking technologies.

12. Third-Party Insurance Providers and Services

Sunterra Insurance may work with insurance carriers, wholesale brokers, managing general agents, insurance aggregators, and other authorized insurance-related service providers.

Insurance products and services offered through these parties are subject to their respective underwriting requirements, eligibility standards, contractual provisions, and applicable regulations.

Our website may also contain links to third-party websites or services.

Sunterra Insurance does not control the operations, content, security practices, or privacy policies of independently operated third-party websites.

Visitors are encouraged to review the terms and privacy policies of external websites before submitting personal information.

13. Website Use and Prohibited Activities

Users agree to access and use our website only for lawful purposes.

Prohibited activities include:

• Submitting false, misleading, or fraudulent information.

• Attempting unauthorized access to website systems or confidential information.

• Interfering with website functionality or security.

• Introducing malicious software or harmful code.

• Using website content for unauthorized commercial purposes.

• Engaging in activities that violate applicable laws or regulations.

Sunterra Insurance reserves the right to restrict website access when reasonably necessary to protect our systems, operations, and users.

14. Intellectual Property

Unless otherwise indicated, the text, graphics, logos, branding, website design, and other original content appearing on this website are owned by or licensed to Sunterra Insurance LLC.

Such materials may be protected under applicable copyright, trademark, and other intellectual property laws.

Website visitors may access and use content for personal, noncommercial informational purposes.

Unauthorized reproduction, redistribution, modification, or commercial exploitation of protected materials is prohibited, except as permitted by law.

15. Website Availability and Security

Sunterra Insurance makes reasonable efforts to maintain the functionality, availability, and security of its website.

However, we cannot guarantee uninterrupted access, error-free operation, or complete protection against technical failures or cybersecurity threats.

We reserve the right to modify, suspend, or discontinue website features or services as reasonably necessary.

Users are encouraged to take appropriate precautions when transmitting information electronically.

16. Limitation of Liability

To the fullest extent permitted by applicable law, Sunterra Insurance LLC disclaims liability for damages arising solely from website interruptions, technical errors, or reliance on general informational website content.

This provision does not exclude or limit liability for negligence, professional errors or omissions, misrepresentation, fraud, statutory violations, or other conduct to the extent such liability cannot lawfully be excluded or limited.

Nothing in these Terms & Conditions is intended to waive or restrict any legal rights or remedies that cannot be waived under applicable law.

17. No Guarantee of Insurance Savings or Results

Sunterra Insurance may provide information regarding potential insurance savings, coverage alternatives, risk management opportunities, or insurance market options.

Any statements concerning potential savings, coverage improvements, or insurance optimization are informational and do not guarantee particular results.

Actual premiums, coverage availability, deductibles, and policy terms depend on individual risk characteristics, underwriting decisions, market conditions, and other applicable factors.

18. Governing Law

These Terms & Conditions shall be governed by the applicable laws of the State of Florida, except where superseded by applicable federal law.

Nothing in these Terms & Conditions limits rights or remedies provided by applicable insurance laws, consumer protection statutes, or other nonwaivable legal requirements.

19. Changes to These Terms & Conditions

Sunterra Insurance reserves the right to update or modify these Terms & Conditions periodically to reflect changes in business practices, website operations, services, or legal requirements.

Updated terms will be posted on our website with a revised effective date.

Continued use of the website following publication of revised terms constitutes acceptance of those terms to the extent permitted by applicable law.

Where legally required, additional notice or consent will be obtained.

20. Contact Information

For questions regarding these Terms & Conditions, our website, insurance services, or electronic communications, please contact:

Sunterra Insurance LLC

1915 Lavers Cir E306
Delray Beach, FL 33444

Phone: 561-699-3307
Email: trupert@sunterrainsurance.com
Website: www.sunterrainsurance.com
Florida Insurance Agency License: L137589

© 2026 Sunterra Insurance LLC. All Rights Reserved.