Terms and Conditions

Last updated: 2/12/2026

1. Introduction

These Terms and Conditions (“Terms”) govern your use of the website located at http://contactorcoveragehq.com (“Site”) and any services provided by Contractor Coverage HQ (“we,” “us,” or “our”). By accessing or using our Site or services, you agree to be bound by these Terms. If you do not agree, please do not use our Site or services.

2. Services

We provide Insurance services to contractors. The information on our Site is for general information only and may change without notice.

3. Quotes, Appointments, and Payments

  • Any quotes we provide are estimates based on the information available at the time and may change if the scope of work changes.

  • Appointment dates and times are subject to availability and may need to be rescheduled due to weather, access issues, or other factors outside our control.

  • Payment terms will be provided in your quote, invoice, or Insurance agreement. By accepting a quote or proceeding with a policy with us, you agree to those payment terms, including any deposits and final payment due dates.

4. User Responsibilities

When you use our Site or request services, you agree to:

  • Provide accurate and complete information.

  • Not use our Site or services for any unlawful purpose.

  • Not attempt to disrupt or interfere with the security or operation of our Site.

5. SMS and Communications

By providing your mobile phone number and requesting our services, you agree that we may contact you by SMS, phone, and email with information related to your requests, including quotes, appointment reminders, and service updates. Message frequency will vary. Standard message and data rates may apply.
You can opt out of SMS messages at any time by replying STOP to any text we send. You may still receive calls or emails from us as needed to complete active jobs or as required by law.

6. Cancellations and Rescheduling

If you need to cancel or reschedule an appointment, please contact us as soon as possible at (602) 677-9046 or Bret@BgAgencyIns.com. We reserve the right to charge a fee for late cancellations or missed appointments if this is stated in your quote or insurance agreement.

7. Warranties and Disclaimers

We aim to provide quality services, but to the fullest extent permitted by law:

  • Our Site and services are provided on an “as is” and “as available” basis.

  • We do not guarantee that the Site will be error‑free or uninterrupted.

  • We make no guarantees regarding specific results, timelines, or outcomes beyond what is expressly stated in a written quote or agreement.

8. Limitation of Liability

To the fullest extent permitted by law, Bret Godsey Agency, LLC and its owners, employees, and contractors will not be liable for any indirect, incidental, special, or consequential damages, or for any loss of profits, revenue, data, or goodwill arising out of or in connection with your use of our Site or services.
Our total liability for any claim arising out of or relating to our services will be limited to the amount you paid us for the specific service giving rise to the claim.

9. Intellectual Property

All content on our Site, including text, logos, graphics, and images, is owned by or licensed to Bret Godsey Agency, LLC, an Arizona Company, and is protected by applicable intellectual property laws. You may not copy, reproduce, or distribute any content from our Site without our prior written permission, except for your personal, non‑commercial use.

10. Third‑Party Links

Our Site may contain links to third‑party websites or services that are not owned or controlled by us. We are not responsible for the content, privacy practices, or terms of any third‑party sites. Accessing third‑party sites is at your own risk.

11. Affiliate Links

Some links on our website may be affiliate links. This means that if you click on a link and make a purchase or take another qualifying action, we may earn a commission at no additional cost to you. These commissions help support our business and allow us to continue providing content and services. We only recommend products or services that we believe may be useful or relevant, but you should always do your own research before making any purchase decisions.

12. Governing Law

These Terms are governed by the laws of the State of Arizona, without regard to its conflict-of-laws principles. Any disputes arising out of or relating to these Terms or our services will be resolved in the courts located in Chandler, Maricopa County, or the State of Arizona, unless otherwise required by law.

13. Changes to These Terms

We may update these Terms from time to time. When we do, we will update the “Last updated” date at the top of this page. Your continued use of our Site or services after any changes constitutes acceptance of the updated Terms.

14. Contact Us

If you have any questions about these Terms and Conditions, please contact us at:
Bret Godsey Agency, LLC
2406 E Winchester PL
Chandler, AZ 85286
Phone: (602)677-9046
Email: Bret@BgAgencyIns.com