Terms of Service
Last updated: November 14, 2026
These Terms of Service ("Terms") govern your use of statecotruckinsurance.com (the "Site"), operated by State & Co Insurance LLC ("State & Co", "we", "us"). By using the Site you agree to these Terms. If you do not agree, please do not use the Site.
About us
State & Co is an independent insurance agency. We are not an insurance company. Coverage is provided by the insurance carriers we represent, and we may receive commissions or fees from them when a policy is placed.
Information only, not a contract of insurance
Content on the Site, including coverage descriptions, articles, state pages, regulatory summaries and price examples, is general information. It is not legal, tax or compliance advice, and it does not describe any specific policy. Coverage is governed only by the terms, conditions and exclusions of the policy you buy. Federal and state requirements change, so confirm current rules with the FMCSA or your state agency.
Quotes and coverage
- Submitting a quote request does not bind coverage. You are not insured until a carrier issues a policy or written binder and any required payment is made.
- Quotes depend on the accuracy of the information you provide and on carrier underwriting, and they can change or be withdrawn before binding.
- You agree to give complete and truthful information. Misstatements can lead to a policy being cancelled or a claim being denied.
- Carrier names on the Site are examples of companies we work with. Not every carrier writes every type of risk or operates in every state.
Communications
By submitting a quote request you agree that we may contact you by phone, text or email about that request. By subscribing to our newsletter you agree to receive marketing emails, and you can unsubscribe at any time. See our Privacy Policy for details.
Acceptable use
You agree not to misuse the Site, including by submitting false or someone else's information, sending spam through our forms, attempting to access non-public areas, interfering with the Site's security or operation, or scraping the Site in a way that burdens our servers.
Intellectual property
The Site's text, design, logos and graphics belong to State & Co or its licensors. You may view and share pages for personal or internal business use, but you may not copy or republish our content without permission. Carrier names and trademarks belong to their owners.
Third-party links
The Site may link to other websites, such as FMCSA or carrier sites. We are not responsible for their content or practices.
Disclaimers
The Site is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, merchantability and fitness for a particular purpose. We do not promise that the Site will be uninterrupted or error-free.
Limitation of liability
To the fullest extent permitted by law, State & Co will not be liable for indirect, incidental, special or consequential damages arising from your use of the Site or reliance on its content. Nothing in these Terms limits any duty we owe you as your licensed insurance agent under applicable law, or any rights you have under an insurance policy.
Governing law
These Terms are governed by the laws of the State of North Carolina, without regard to conflict-of-law rules. Any dispute will be brought in the state or federal courts located in Mecklenburg County, North Carolina.
Changes
We may update these Terms from time to time. The "Last updated" date above shows when they last changed, and continued use of the Site means you accept the updated Terms.
Contact us
State & Co Insurance LLC
11220 Elm Ln Ste 202, Charlotte, NC 28277
Phone: (980) 475-8075
Email: kevin@statecotruckinsurance.com