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Terms & Conditions

Effective Date: October 6, 2026

These Terms & Conditions (“Terms”) govern your access to and use of the website operated by NPN Brokers, LLC (“NPN Brokers,” “we,” “us,” or “our”). By accessing or using this website, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree to these Terms, please do not use this website.

About NPN Brokers

NPN Brokers, LLC provides insurance brokerage services with a focus on workers’ compensation coverage for staffing agencies and businesses that are difficult to place in standard markets. Insurance products described on this website are offered and placed in accordance with applicable state insurance laws, and product availability varies by state. Nothing on this website constitutes an offer to sell insurance in any jurisdiction where we are not authorized to transact business.

Informational Content Only; No Professional Advice

The content on this website, including articles, guides, state pages, class code references, and frequently asked questions, is provided for general informational purposes only. It is not insurance advice with respect to any specific policy, and it is not legal, tax, accounting, or other professional advice. Workers’ compensation statutes, regulations, classification rules, and rating systems change frequently and vary by state, and their application depends on the specific facts of each business. You should not act or refrain from acting on the basis of any content on this website without seeking guidance specific to your situation. Statutory references and figures on this website reflect our understanding at the time of publication and may not reflect subsequent changes in law.

Quotes, Applications, and Coverage

  • Quotes are not coverage. Any premium indication, estimate, or quote referenced on or requested through this website is preliminary, is subject to underwriting review and verification of the information you provide, and may change or be withdrawn at any time before coverage is bound.
  • Coverage is bound only by a carrier. No coverage is created by submitting a form, receiving a quote, or communicating with us. Coverage exists only when an insurance carrier has issued a binder or policy, and the terms of the issued policy alone govern the coverage provided. In the event of any conflict between this website and an insurance policy, the policy controls.
  • Turnaround estimates are not guarantees. References to quote turnaround times, including same-day or 24 to 48 hour estimates, describe our typical service goals. Actual timing depends on the completeness of your submission, carrier response times, and the complexity of the risk.
  • Accuracy of your information. You are responsible for the accuracy and completeness of the information you provide in any quote request or application. Inaccurate payroll, classification, claims, or operational information can result in changed premiums, additional premium at audit, rescission, or denial of claims by a carrier.
  • Submissions by agents and brokers. If you submit an account on behalf of a client, you represent that you are authorized to share the information and documents you provide and to request quotes for that client. We may decline any submission.
  • Uploaded files. Files you upload must be documents you are entitled to share and must not contain malicious code. Please include only the information needed to quote the account; for example, do not upload Social Security numbers or medical records.

Communications Consent

By submitting a form on this website or otherwise providing your contact information, you consent to being contacted by NPN Brokers at the phone number and email address you provide, including by phone call, email, and text message, for purposes related to your inquiry, quote request, or coverage. Calls may be monitored or recorded for quality assurance and training purposes as described in our Privacy Policy. Consent to receive text messages is not a condition of purchasing any service, and you may opt out of marketing communications at any time.

Acceptable Use

You agree to use this website only for lawful purposes. You agree not to:

  • Submit false, misleading, or fraudulent information through any form;
  • Use the website in any way that violates applicable law or regulation;
  • Attempt to gain unauthorized access to any portion of the website, its servers, or any connected systems;
  • Interfere with or disrupt the operation of the website, including by introducing malware or placing an unreasonable load on our infrastructure;
  • Scrape, harvest, or systematically extract content or data from the website without our prior written consent; or
  • Use the website to transmit unsolicited commercial messages.

Intellectual Property

This website and its content, including text, guides, graphics, logos, page designs, and the selection and arrangement of content, are the property of NPN Brokers, LLC or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may view, download, and print pages from this website for your own internal business use in evaluating our services. Any other reproduction, distribution, modification, or republication without our prior written permission is prohibited. “NPN Brokers” and associated logos are marks of NPN Brokers, LLC; nothing on this website grants any license to use them.

Third-Party Websites and Resources

This website may link to third-party websites, including carrier websites, rating bureau resources, and official state government pages. These links are provided for convenience only. We do not control and are not responsible for the content, accuracy, or practices of any third-party website, and a link does not imply endorsement. Your use of third-party websites is at your own risk and subject to their terms.

Disclaimer of Warranties

THIS WEBSITE AND ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY CONTENT IS CURRENT, COMPLETE, OR ACCURATE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NPN BROKERS, LLC AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THIS WEBSITE OR ITS CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO YOUR USE OF THIS WEBSITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). THIS SECTION APPLIES TO USE OF THE WEBSITE ITSELF AND DOES NOT LIMIT ANY OBLIGATION OWED UNDER AN ISSUED INSURANCE POLICY, WHICH IS GOVERNED BY THE POLICY’S OWN TERMS AND APPLICABLE LAW.

Indemnification

You agree to indemnify, defend, and hold harmless NPN Brokers, LLC and its members, managers, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or related to your violation of these Terms, your misuse of the website, or your violation of any law or the rights of any third party in connection with your use of the website.

Governing Law and Venue

These Terms are governed by the laws of the State of Florida, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or your use of this website shall be brought exclusively in the state or federal courts located in Palm Beach County, Florida, and you consent to the personal jurisdiction of those courts. Nothing in this section limits any rights you may have under the insurance laws of your state with respect to an issued policy.

Changes to These Terms

We may revise these Terms from time to time. The effective date at the top of this page indicates when these Terms were last updated. Changes take effect when posted to this page, and your continued use of the website after changes are posted constitutes acceptance of the revised Terms.

Severability; Entire Agreement

If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect. These Terms, together with the Privacy Policy and Cookie Policy, constitute the entire agreement between you and NPN Brokers, LLC regarding use of this website and supersede any prior understandings on that subject. Our failure to enforce any provision is not a waiver of our right to do so later.

Contact Us

Questions about these Terms may be directed to:

NPN Brokers, LLC
10290 West Atlantic Avenue
Unit 480146
Delray Beach, FL 33448

Email: info@npnbrokers.com
Phone: (561) 990-3022