Terms & Conditions | National Workman's Comp Solutions

These Terms & Conditions ("Terms") govern your use of the National Workman's Comp Solutions ("NWCS," "we," "us," or "our") website and quote request service. By using this site or submitting a quote request, you agree to these Terms. If you do not agree, please do not use the site.

NWCS is a Workers' Comp sub-brokerage. We help source and arrange coverage. We are not the insurance carrier, and submitting a request does not bind coverage.

About our service

NWCS sources and arranges Workers' Comp, PEO, group health, and 401(k) solutions through our carrier and partner network. We act as a sub-brokerage. We do not issue policies, and we do not decide whether a carrier will offer you coverage or at what price.

Quotes and coverage

A quote is an estimate, not a contract or a promise of coverage. Final terms, pricing, and eligibility are set by the carrier and depend on underwriting. Coverage starts only when a carrier issues a policy and any required payment is made. Nothing on this site creates an insurance contract.

No professional advice

The content on this site is for general information only. It is not legal, tax, financial, or insurance advice. Your situation is unique, so talk to a licensed professional before you make decisions about coverage.

Your responsibilities

Give us accurate and complete information when you request a quote.
Keep your contact details current so we can reach you.
Use the site lawfully and not for any fraudulent or harmful purpose.
Do not copy, scrape, or misuse the site or its content.

Intellectual property

The NWCS name, logo, text, graphics, and design on this site belong to NWCS or our licensors. You may not use them without our written permission.

Third-party links and services

This site may link to third-party sites and tools, such as WhatsApp or our partners. We do not control them and are not responsible for their content, terms, or practices. Your use of those services is at your own risk.

Disclaimer of warranties

The site is provided "as is" and "as available." We do not promise that it will always be accurate, complete, secure, or available without interruption. To the fullest extent allowed by law, we disclaim all warranties, whether express or implied.

Limitation of liability

To the fullest extent allowed by law, NWCS is not liable for any indirect, incidental, or consequential damages that arise from your use of the site or our service, including lost profits or lost data. Our total liability for any claim is limited to the amount you paid us, if any, for the service in question.

Indemnification

You agree to defend and hold NWCS harmless from any claims, losses, or costs that result from your misuse of the site or your breach of these Terms.

Privacy

Your use of the site is also governed by our Privacy Policy, which explains how we handle your information.

Governing law

These Terms are governed by the laws of the United States and the state in which NWCS operates, without regard to conflict-of-law rules. Any dispute will be handled in the courts of that jurisdiction.

Changes to these Terms

We may update these Terms from time to time. When we do, we will change the "Last updated" date at the top of this page. If you keep using the site after changes, you accept the updated Terms.

Contact us

Questions about these Terms? Reach us at: