Terms and Conditions

1. Acceptance of Terms

By accessing Life Shield Insurance's website, requesting quotes, or engaging our services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and Conditions. These terms constitute a binding agreement between you and Life Shield Insurance. If you do not agree with any provision of these terms, you must discontinue use of our services immediately.

2. Comprehensive Service Portfolio

Life Shield Insurance delivers specialized workplace safety and insurance solutions designed for California businesses, including:

• Workers' compensation insurance coverage and claims management
• Comprehensive risk assessment and mitigation strategies
• OSHA-compliant employee safety training and certification programs
• Occupational health services and injury prevention protocols
• Return-to-work programs and rehabilitation coordination
• Safety program development and regulatory compliance consulting
• Workplace safety audits and analytics reporting

3. Eligibility and Registration

To use our services, you must:

• Be at least 18 years of age
• Have the legal authority to enter into this agreement
• Provide accurate and complete information during registration
• Maintain the confidentiality of your account credentials

4. Insurance Coverage Terms

All insurance coverage is subject to the terms and conditions of the specific insurance policy issued. Coverage details, limits, deductibles, and exclusions are outlined in your individual policy documents. This website and its terms do not constitute an insurance policy or guarantee of coverage.

5. Payment Terms

Payment for services is due according to the terms specified in your service agreement or insurance policy. Late payments may result in:

• Late fees as specified in your agreement
• Suspension or cancellation of services
• Reporting to credit agencies
• Collection activities

6. Cancellation Policy

You may cancel services according to the terms specified in your individual service agreement or insurance policy. Cancellation requests must be submitted in writing. Refunds, if applicable, will be processed according to the terms of your specific agreement.

7. Limitation of Liability

Ashore Insurance's liability is limited to the extent permitted by law. We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business interruption.

8. Indemnification

You agree to indemnify and hold harmless Ashore Insurance, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these terms.

9. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

10. Intellectual Property

All content on this website, including text, graphics, logos, images, and software, is the property of Ashore Insurance or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without written permission.

11. Prohibited Uses

You may not use our services for any unlawful purpose or to solicit others to perform unlawful acts. Prohibited activities include but are not limited to:

• Fraudulent insurance claims
• Providing false information
• Attempting to gain unauthorized access to our systems
• Interfering with the proper functioning of our website

12. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the State of California, United States. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts of California.

13. Changes to Terms

Ashore Insurance reserves the right to modify these terms and conditions at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.

14. Severability

If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining terms will remain in full force and effect.

15. Contact Information

If you have any questions about these Terms and Conditions, please contact us: