Legal
Terms and Conditions
Effective date: June 1, 2026 · RG Enterprises Insurance Services, LLC DBA Placr Insure
1. Acceptance of terms
By accessing or using placrinsure.com (the “Site”), you agree to be bound by these Terms and Conditions. If you do not agree, please do not use the Site.
2. About Placr Insure
Placr Insure is a trade name of RG Enterprises Insurance Services, LLC, a licensed insurance broker in the State of Florida. We act as a broker between you and insurance carriers — we are not an insurance company and do not underwrite or issue insurance policies.
3. Permitted use
You may use this Site only for lawful purposes and in accordance with these Terms. You agree not to use the Site:
- In any way that violates applicable federal, state, or local law
- To transmit any unsolicited or unauthorized advertising or promotional material
- To impersonate any person or entity or misrepresent your affiliation with any person or entity
4. Informational purposes only
All content on this Site — including descriptions of coverage types, industry information, and pricing references — is provided for informational purposes only. Nothing on this Site constitutes a binding insurance quote, an offer of coverage, or a confirmation that any coverage is in force.
Insurance coverage is subject to the terms, conditions, and exclusions of the applicable policy issued by the carrier. All coverage is contingent upon carrier underwriting review and approval.
5. No coverage guarantee
Submitting a quote request or contacting us through this Site does not bind coverage or guarantee that coverage will be issued. We are not liable for any coverage gaps, denials, or adverse outcomes that result from reliance on information presented on this Site alone.
You should review all policy documents carefully before making any coverage decisions.
6. Carrier underwriting
All insurance products discussed on this Site are subject to underwriting approval by the applicable insurance carrier. Premiums, terms, and availability may vary based on your specific business, risk profile, location, and other factors determined by the carrier.
7. Limitation of liability
To the fullest extent permitted by law, RG Enterprises Insurance Services, LLC and its agents, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this Site or reliance on its content.
8. Intellectual property
All content on this Site, including text, graphics, logos, and design elements, is the property of RG Enterprises Insurance Services, LLC or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.
9. Third-party links
The Site may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of any third-party sites and do not endorse them.
10. Governing law and disputes
These Terms are governed by the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Miami-Dade County, Florida, and you consent to the personal jurisdiction of those courts.
11. Changes to these terms
We reserve the right to update or modify these Terms at any time without prior notice. Changes are effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.
12. Contact us
If you have questions about these Terms, contact us at hello@placrinsure.com.