Terms of Service

Welcome to XL Brokerage Inc.!

By accessing or using our website, services, or communication tools (including SMS and email), you agree to be bound by these Terms of Service (“Terms”). Please read them carefully.

1. Acceptance of Terms

By using our services, you agree to comply with and be legally bound by these Terms, our Privacy Policy, and any applicable laws and regulations.

2. Communications & Messaging

By submitting your contact information or opting in through any form on our website or platform, you consent to receive communications from XL Brokerage Inc., including but not limited to SMS, email, and phone calls. Types of SMS messages you may receive include quote follow-ups, policy and payment reminders, promotional offers, and general notifications.

• Message frequency may vary.
• Message & data rates may apply.
• You may opt out of SMS communications at any time by replying “STOP”.
• For assistance, reply “HELP” or contact us at joeg@xlbrokerageinc.com or (631) 736-6100.
• Carriers are not liable for delayed or undelivered messages.

3. Age Restriction

You must be 18 years of age or older to use this SMS service. By opting in to receive SMS communications, you confirm that you meet this age requirement.

4. Quotes & Coverage

Information on this website is for general purposes only. A quote is not a policy, and coverage is not in force until the insurance company accepts your application. Your policy documents set out your actual coverage.

5. Intellectual Property

All content, branding, logos, and materials on our website and communications are the property of XL Brokerage Inc. or its licensors and may not be used or reproduced without permission.

6. Modifications

We reserve the right to modify these Terms at any time. Updated versions will be posted on this page with a revised “Effective Date.” Continued use of our services after changes constitutes acceptance of the updated Terms.

7. Contact Us

For questions about these Terms, please contact us at:

For information on how we collect and use your data, please review our Privacy Policy.