Terms of Service

These Terms of Service ("Terms") govern your use of the website operated by Hot Metal Insurance LLC ("Hot Metal Insurance," "we," "us," or "our"). By accessing or using this site, you agree to these Terms. If you don't agree, please don't use the site.

About This Website

This website provides general information about commercial insurance and the brokerage services we offer. Hot Metal Insurance is a licensed insurance brokerage; we help businesses find and arrange coverage across general liability, business owner's policies, workers' compensation, commercial auto, surety bonds, and cyber liability.

Guidance, Not a Substitute for Your Policy

We stand behind the information on this site and work to keep it accurate and genuinely useful. It is general guidance, though, not a tailored recommendation for your specific situation, a binding quote, or an offer of insurance. Your actual coverage is determined by the terms, conditions, and exclusions of the policy you purchase, and availability and pricing vary by insurer, jurisdiction, and your circumstances. For coverage built around your business, talk to us directly. That's what we're here for.

Use of the Site

You agree to use this site only for lawful purposes. You agree not to:

• use the site in any way that violates applicable law or regulation;
• attempt to gain unauthorized access to the site or its systems;
• interfere with or disrupt the site's operation or security; or
• copy, scrape, or reproduce site content for commercial purposes without our permission.

Intellectual Property

All content on this site, including text, graphics, logos, and design, is owned by or licensed to Hot Metal Insurance LLC and is protected by intellectual property laws. You may view and use the site for your own informational purposes, but you may not reproduce or distribute our content without permission.

Text Messaging Terms

With your permission, Hot Metal Insurance sends text messages about your quote, policy, or service request. Consent is not a condition of purchasing any product or service. Message frequency varies based on your quote or service activity, typically no more than a few messages per month. Message and data rates may apply. Reply STOP at any time to cancel, or HELP for assistance; you can also reach us at (412) 900-1961. Carriers are not liable for delayed or undelivered messages. See our Privacy Policy for how we handle your information; mobile information is never shared with third parties or affiliates for marketing or promotional purposes.

Third-Party Links

This site may link to third-party websites for your convenience. We don't control and aren't responsible for the content, products, or practices of those sites.

Disclaimer of Warranties

This site is provided "as is" and "as available" without warranties of any kind, whether express or implied. We do not warrant that the site will be uninterrupted, error-free, or free of harmful components, or that the information on it is complete, accurate, or current.

Limitation of Liability

To the fullest extent permitted by law, Hot Metal Insurance LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this website.

Governing Law

These Terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict-of-laws rules. Any disputes arising from these Terms or your use of the site will be subject to the exclusive jurisdiction of the state and federal courts located in Pennsylvania.

Changes to These Terms

We may update these Terms from time to time. When we do, we'll revise the "Effective" date above. Your continued use of the site after changes take effect means you accept the updated Terms.

Contact Us

Questions about these Terms? Contact us at info@hotmetalinsurance.com or through our contact page.