Terms of Service

Fennel Insurance Brokerage LLC (“Fennel,” “we,” “us,” or “our”) operates fennel.insure, a licensed commercial insurance brokerage platform. We act as broker of record between you and insurance carriers. We are licensed in California; coverage in other states is subject to applicable non-resident license requirements.

These Terms of Service (“Terms”) govern your access to and use of the Fennel platform, including our website, API, and any related services (collectively, the “Service”).

By creating an account or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service. If you are using the Service on behalf of a business, you represent that you have authority to bind that business to these Terms.

Fennel is a licensed insurance broker, not an insurer. We do not underwrite or issue insurance policies. Insurance policies are issued by third-party carriers (currently Coterie Insurance). The terms, conditions, and premium of any policy are set by the carrier, not by Fennel.

Fennel earns a commission from the carrier on policies bound through the platform. This commission does not increase your premium. You are responsible for all premium payments billed directly by the carrier.

Nothing on the platform constitutes legal or insurance advice. AI-extracted insurance requirements are provided as a convenience and may contain errors. You are solely responsible for verifying that any policy you bind meets your contractual obligations.

You must be at least 18 years old and legally authorized to enter contracts in your jurisdiction. The Service is intended for businesses and individuals purchasing commercial insurance, not personal lines. Coverage availability varies by state.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to provide accurate, complete, and current information when creating your account and when submitting insurance applications. Providing false or misleading information to obtain insurance coverage may constitute fraud and void your policy.

Fennel uses artificial intelligence to extract insurance requirements from contracts you upload. These extractions are provided as recommendations only. The AI may misread, miss, or incorrectly interpret contract language. You must review all extracted requirements before proceeding to obtain a quote or bind a policy.

Fennel is not liable for any losses arising from inaccurate AI extractions that you did not independently verify.

Policies are bound only upon your explicit confirmation through the platform. We do not automatically bind policies. Once bound, a policy is a contract between you and the carrier; it is subject to the carrier's terms and conditions, which will be provided to you at or before binding. Cancellation, endorsement, and coverage disputes are governed by the carrier's policy terms and applicable law.

Fennel offers Free, Pro, and Agency subscription tiers. Paid subscriptions are billed by Stripe. You authorize us to charge the payment method on file on a recurring basis. Subscriptions auto-renew unless cancelled before the renewal date. Insurance premiums are billed separately and directly by the carrier.

Fennel does not offer refunds on subscription fees for partial billing periods, except where required by applicable law.

You retain ownership of contracts and documents you upload. By uploading content, you grant Fennel a limited license to process that content solely for the purpose of providing the Service to you. We will not share your uploaded contracts with third parties except as necessary to provide the Service (e.g., transmission to an AI API for parsing). See our Privacy Policy for details.

You agree not to:

• Use the Service to obtain insurance under false pretenses
• Upload malicious files or content designed to harm the Service
• Reverse engineer, scrape, or copy the platform without permission
• Use the Service for any unlawful purpose
• Resell or sublicense the Service without a written agreement with Fennel

THE SERVICE IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. FENNEL DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY PARTICULAR COVERAGE WILL BE AVAILABLE IN YOUR STATE. AI EXTRACTIONS ARE NOT GUARANTEED TO BE ACCURATE OR COMPLETE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FENNEL'S TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO FENNEL IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) $100. FENNEL IS NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES.

These Terms are governed by the laws of the State of California, without regard to conflict of law principles. Any disputes shall be resolved in the state or federal courts located in San Francisco County, California.

We may update these Terms from time to time. We will notify you by email or via a notice in the platform at least 14 days before material changes take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

Questions about these Terms? Email us at legal@fennel.insure.