1. About Daily Event Insurance

Daily Event Insurance ("DAI," "we," "us," or "our") operates as a referral service that connects event organizers with insurance carriers. We are not an insurance company and do not issue, underwrite, or guarantee insurance policies. All insurance policies are issued by our partner carriers, and coverage terms, conditions, and pricing are determined solely by the issuing carrier.

2. Acceptance of Terms

By accessing or using the Daily Event Insurance website (the "Service"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Service.

3. Quote Estimates

The premium estimates provided by our quote calculator are for informational purposes only. They do not constitute an offer, quote, or guarantee of coverage or pricing. Actual premiums, terms, and conditions are determined during the formal underwriting process by our insurance carrier partners.

Estimated pricing may vary based on factors not captured by our calculator, including but not limited to: specific venue requirements, event activities, claims history, and carrier underwriting guidelines.

4. No Insurance Advice

The information provided on this website is general in nature and is not intended as insurance advice. We do not recommend specific coverage levels, policy types, or carriers. For specific insurance questions, we recommend consulting with a licensed insurance professional.

5. User Responsibilities

When using our Service, you agree to:

Provide accurate and truthful information when requesting quotes
Use the Service only for lawful purposes
Not attempt to interfere with or disrupt the Service
Not submit false, misleading, or fraudulent information

6. Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of Daily Event Insurance or its licensors and is protected by copyright and other intellectual property laws.

7. Limitation of Liability

To the fullest extent permitted by law, Daily Event Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service. Our total liability shall not exceed the amount you paid to us (if any) in the 12 months preceding the claim.

We are not responsible for the acts, omissions, or policies of our insurance carrier partners. Any disputes regarding insurance coverage should be directed to the issuing carrier.

8. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or that estimates will be accurate.

9. Third-Party Services

Our Service may direct you to third-party insurance carrier websites to complete your policy purchase. We are not responsible for the content, policies, or practices of these third-party sites.

10. Modifications

We reserve the right to modify these Terms at any time. Material changes will be posted on this page with an updated effective date. Your continued use of the Service after changes constitutes acceptance.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.

12. Contact Us

If you have questions about these Terms of Service, please contact us at:

Daily Event Insurance
Email: hello@getdaiinsurance.com