Effective Date: September 1, 2026
Welcome to Ruta Insurance! These Terms and Conditions (“Terms”) govern your access to and use of our website located at https://rutainsurance.com (“Website”), as well as any quotes, services, or communications provided by Ruta Insurance (“we,” “our,” or “us”).
By accessing this Website, requesting a quote, or engaging with our services, you agree to accept and comply with these Terms in full. If you do not agree with any part of these Terms, please do not continue to use our Website or services.
The following definitions apply to these Terms and Conditions, Privacy Policy, and all Agreements:
“Client,” “You,” and “Your”: Refers to you, the individual accessing this Website, requesting insurance information, or utilizing our services in compliance with these Terms.
“The Company,” “Ourselves,” “We,” “Our,” and “Us”: Refers to Ruta Insurance.
“Insurance Partner / Insurer”: Refers to third-party insurance companies, Managing General Agents (MGAs), or underwriters with whom we partner to offer insurance products.
Ruta Insurance operates as an independent insurance agency licensed in the State of Florida. We provide comparative insurance quotes, policy consultations, and account support for products including Car Insurance, home, business, health, and commercial policies.
Role as Intermediary: Ruta Insurance acts as an independent broker/agency between you and the insurance carrier. The insurance policy contract is strictly between you and the issuing insurance company.
Territory: Services and products provided on this Website are primarily intended for residents of the State of Florida, United States, unless explicitly specified otherwise.
Any insurance quote, estimate, or rate provided on this Website, over the phone, or via email is indicative, non-binding, and subject to verification.
No Automatic Coverage: Submitting a request or receiving a quote does NOT bind insurance coverage or modify an existing policy.
Final Approval: Coverage is strictly subject to full underwriting approval by the designated insurance carrier, verification of provided information (such as driving history, loss records, credit reports, and property details), and receipt of the required initial premium payment.
Rate Adjustments: Final policy premiums may differ from initial quotes if the underlying application data changes, is inaccurate, or requires adjustments during formal underwriting.
To obtain accurate quotes and maintain valid coverage, you agree to:
Provide true, complete, and updated information on all quote requests, applications, and communications.
Acknowledge that providing false, misleading, or incomplete information may result in the denial of a claim, policy cancellation, or voiding of coverage by the insurer (material misrepresentation).
Timely notify us or your insurance carrier of relevant changes affecting your risk profile (e.g., change of address, additional drivers, new vehicles, or property modifications).
Pay insurance premiums directly to the insurance carrier or designated billing administrator in accordance with your policy terms.
By providing your phone number and opting in to receive communications from Ruta Insurance, you consent to receive telephone calls and text messages (SMS/MMS) regarding quotes, policy notices, and updates.
Purpose & Usage: Mobile numbers and opt-in data are used strictly to communicate with you regarding your insurance inquiries and active services.
Non-Sharing Clause: Mobile opt-in data, phone numbers, and SMS consent will not be sold, rented, or shared with third parties or affiliates for marketing purposes.
Opt-Out: You may unsubscribe from SMS updates at any time by replying STOP to any text message or contacting us directly at info@rutainsurance.com.
Help: Reply HELP to any text message for assistance, or contact customer support at +1 (305) 813-4268.
Rates & Frequency: Message and data rates may apply depending on your mobile carrier plan. Message frequency varies based on your interactions with us.
Unless otherwise stated, Ruta Insurance and/or its licensors own all intellectual property rights for the material, logos, content, and design on https://rutainsurance.com. All intellectual property rights are reserved.
You are granted a limited license to view and print pages from the Website for your own personal, non-commercial use, subject to the restrictions below. You must not:
Republish or redistribute material from this Website without prior written consent.
Sell, rent, or sub-license Website content.
Reproduce, duplicate, or copy Website material for commercial purposes.
Frame or utilize framing techniques (iFrames) around our Webpages without written permission.
When using this Website, you agree not to:
Use the site for any unlawful, fraudulent, or malicious purpose.
Attempt to gain unauthorized access to our systems, user data, or network servers.
Use automated scripts, scrapers, or bots to harvest data from our Website.
Impersonate any individual, entity, or Ruta Insurance representative.
To the maximum extent permitted under applicable Florida law:
As-Is Provision: This Website and its services are provided on an “as is” and “as available” basis without express or implied warranties of any kind.
Underwriting Decisions: Ruta Insurance is not liable for underwriting decisions, claim denials, policy cancellations, or coverage delays made independently by third-party insurance carriers.
Indirect Damages: Ruta Insurance shall not be held liable for any indirect, incidental, consequential, or punitive damages arising out of your access to, or inability to use, this Website or our services.
Liability Cap: To the extent permitted by law, our maximum aggregate liability for any claim arising from your use of this Website shall be limited to the total commissions received by us for servicing your policy in the twelve (12) months preceding the event giving rise to the claim.
You agree to defend, indemnify, and hold harmless Ruta Insurance, its officers, directors, employees, and licensed agents from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of or in any way connected with: (i) your breach of these Terms; (ii) false or inaccurate information provided in an application or request; or (iii) your misuse of this Website.
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles.
Good Faith Negotiation: In the event of any dispute or claim arising out of these Terms, the parties shall first attempt to resolve the matter through informal, good-faith negotiations.
Mediation & Venue: If unresolved within sixty (60) days, the dispute shall be submitted to non-binding mediation in Miami-Dade County, Florida.
Jurisdiction: Legal proceedings or court actions that cannot be settled via mediation shall be brought exclusively in the state or federal courts located in Miami-Dade County, Florida.
Class Action Waiver: You agree that any dispute resolution proceedings will be conducted on an individual basis only and not as a class, consolidated, or representative action.
If any provision of these Terms is found to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions. These Terms, together with our Privacy Policy, constitute the complete agreement between you and Ruta Insurance regarding the use of this Website.
If you have any questions regarding these Terms and Conditions, please contact Ruta Insurance:
Business Name: Ruta Insurance
Website: https://rutainsurance.com
Email: info@rutainsurance.com
Phone: +1 (305) 813-4268
Address:12795 NW 103rd Ave Hialeah, FL 33018
