Terms of Use

By accessing or using this website, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree with any part of these terms, please do not use our website. We may update these terms from time to time; your continued use of the site after any changes constitutes acceptance of the revised terms.

This website is operated by Duvert Insurance & Financial Services LLC, a licensed insurance agency located in Tampa, Florida. The purpose of this site is to:

• Introduce our insurance and financial services;
• Provide general information about the types of coverage we help clients explore;
• Offer a convenient way to request a consultation or quote with Joe Duvert; and
• Share resources and answers to common insurance questions.

This website is not a substitute for a personal consultation, and the information here is not intended to be the sole basis for your insurance decisions.

The insurance information on this website is provided for general educational purposes only. It is not a complete description of any insurance product, does not constitute an offer of coverage, and should not be relied upon as the sole source of information for making decisions about insurance.

Insurance products, features, availability, and underwriting requirements vary by carrier, product, and state. Specific terms, conditions, exclusions, limitations, and costs are determined by the issuing insurance carrier and are set forth in the policy itself.

Nothing on this website guarantees that you will be approved for, or able to purchase, any particular insurance product. Eligibility, premiums, and coverage are determined solely by the issuing insurance carrier based on its underwriting guidelines and the information you provide during the application process.

Any quotes, estimates, or premium ranges discussed on this site or in conversation are illustrative only and are not a binding offer of insurance. Actual rates and coverage depend on the carrier’s final underwriting decision.

We strive to keep the information on this website accurate and current, but we make no warranties or representations about its completeness, accuracy, or reliability. Insurance products and regulations change frequently, and some information may become outdated.

The content here is general in nature and is not intended to provide legal, tax, or financial advice. You should consult a qualified professional regarding your individual circumstances before making decisions about insurance or financial products.

This website may contain links to third-party websites that are not operated or controlled by us. These links are provided for your convenience and reference only. We do not endorse and are not responsible for the content, accuracy, privacy practices, or availability of any third-party website. Visiting a linked site is at your own risk.

All content on this website — including text, graphics, logos, and design — is the property of Duvert Insurance & Financial Services LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our prior written permission.

You agree to use this website lawfully and not to misuse, disrupt, or attempt to gain unauthorized access to any part of the site or its systems.

We may revise these Terms of Use at any time. When we do, we will update the “Last Updated” date at the top of this page. Your continued use of the website after changes are posted means you accept the updated terms.

If you have any questions about these Terms of Use, please contact us: