Terms of Use

Effective Date: 05/18/2025


Welcome to the website of Spectrum Insurance (“we,” “our,” or “us”). By accessing or using this website (the “Site”), you agree to be bound by the following Terms of Use. Please read them carefully. If you do not agree, please do not use the Site.


1. Use of the Site

You may use this Site for personal, non-commercial purposes to learn about our insurance services, request a quote, or contact us. You agree not to use the Site:

  • For any unlawful purpose or in violation of any laws
  • To submit false or misleading information
  • To interfere with the Site’s security or functionality
  • To copy, scrape, or reuse content for commercial purposes without permission


2. No Guarantee of Coverage or Pricing

The content on this Site is for informational purposes only and does not constitute a guarantee of insurance coverage, pricing, or acceptance by any carrier. All policies and quotes are subject to underwriting guidelines and approval by licensed insurance companies.

Quotes generated through the Site or by our agents are non-binding until coverage is formally accepted by the carrier.


3. Intellectual Property

All content on this Site, including text, graphics, logos, and images, is the property of Spectrum Insurance or its content providers and is protected by intellectual property laws. You may not reproduce, distribute, or modify any part of this Site without written permission from us.


4. Links to Third-Party Sites

This Site may contain links to third-party websites (such as insurance carriers). We provide these links for convenience only and do not endorse or take responsibility for their content, security, or privacy practices.


5. Disclaimer of Warranties

This Site is provided on an "as is" and "as available" basis. We make no warranties or representations, express or implied, regarding:

  • The accuracy or completeness of the information on the Site
  • The availability of the Site at any given time
  • Freedom from viruses or harmful components

Use of the Site is at your own risk.


6. Limitation of Liability

To the fullest extent permitted by law, Spectrum Insurance will not be liable for any damages, losses, or liabilities arising out of your use of—or inability to use—this Site. This includes direct, indirect, incidental, or consequential damages.


7. Governing Law

These Terms are governed by and interpreted in accordance with the laws of the State of Connecticut, without regard to conflict of law principles. Any disputes related to these Terms must be resolved in a court located in Connecticut.


8. Changes to These Terms

We reserve the right to update or modify these Terms of Use at any time. Any changes will be posted here with an updated effective date. Continued use of the Site constitutes acceptance of the revised Terms.


9. Contact Us


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


Spectrum Insurance
800 Cottage Grove Road, Building 4, Bloomfield, CT 06002

860.785.4854

2. How We Use Your Informatio