Terms of Service

Effective date: May 5, 2026 Last updated: May 5, 2026

These Terms of Service ("Terms") govern your access to and use of the websites, online services, and related communications (collectively, the "Site" and "Services") provided by Rosella Services, Inc., doing business as Rosella Brokerage ("Rosella," "we," "us," or "our"). By accessing or using the Site or Services, you agree to be bound by these Terms and by our Privacy Policy and SMS / Text Messaging Terms, each of which is incorporated by reference. If you do not agree, do not use the Site or Services.

These Terms constitute a binding agreement between you and Rosella. If you are using the Site or Services on behalf of a business or other entity, you represent that you have authority to bind that entity to these Terms, and "you" refers to that entity.

1. About Rosella; Licensing Disclosure

Rosella is a licensed commercial insurance brokerage operating under National Producer Number (NPN) 22136964. Rosella, its affiliates, and its appointed producers are licensed as insurance brokers, agents, or producers in most U.S. states. The states in which Rosella is licensed and the corresponding license numbers may change from time to time; a current list is available upon request by contacting us using the information in Section 23 (Contact).

This Site is not a solicitation for insurance in any jurisdiction in which Rosella, its affiliates, or its applicable producer is not licensed. Insurance products and services described on the Site may not be available in every state or for every line of business, and specific products may be subject to additional eligibility requirements imposed by the issuing carrier.

2. Nature of Services; Broker, Not Insurer

Rosella is an independent insurance broker. We are not an insurance company, and we do not underwrite, issue, or assume any insurance policy or any related obligation. We act as an intermediary between you and one or more insurance carriers and other third-party service providers.

You acknowledge and agree that:

Insurance coverage is provided by the carrier, not by Rosella, and the policy issued by the carrier is the exclusive contract describing the terms, conditions, exclusions, and limits of any coverage purchased.
Coverage decisions — including underwriting, pricing, eligibility, endorsements, cancellations, non-renewals, and claims determinations — are made solely by the applicable carrier.
Rosella's services may include placement, advisory, risk-management, account-servicing, and renewal-management services, but Rosella does not guarantee that any particular coverage, limit, premium, or carrier will be available to you.

3. Not Legal, Tax, Financial, or Other Professional Advice

Information provided through the Site or Services — including risk-management content, coverage summaries, sample wording, and articles — is provided for general informational purposes only and does not constitute legal, tax, accounting, financial, or other professional advice. You should consult your own qualified advisors before relying on any such information. Rosella does not warrant the accuracy, completeness, or timeliness of any information made available through the Site.

4. Quotes, Applications, and Binding of Coverage

A quote is not coverage. Any quote, indication, premium estimate, or proposal provided through the Site, by email, by text, or by other communication is for informational purposes only and does not constitute a binder of insurance, an offer of insurance, or coverage of any kind.
Coverage is bound only upon written confirmation by Rosella or the issuing carrier. No coverage exists until the carrier (or Rosella, when authorized to bind by the carrier) has issued a written binder or policy.
Applications are not claim notices. Submitting an application, request, or other communication through the Site does not constitute notice of a claim or report of a loss to any insurance carrier. To report a claim, contact your carrier directly using the claim-reporting procedure shown on your policy declarations page, or contact Rosella using the information in Section 23 (Contact) for assistance.
Information accuracy. You represent that all information you provide to Rosella in connection with any application, renewal, or change request is true, complete, and accurate to the best of your knowledge. Inaccurate or incomplete information may result in denial of coverage, rescission, or denial of a claim by the carrier.

5. Surplus Lines / Non-Admitted Carriers

Some risks placed by Rosella may be written by surplus lines (non-admitted) insurers. Surplus lines insurers are not licensed by the insurance department of the state in which the risk is located and are not subject to all of the same regulatory protections that apply to admitted insurers. Surplus lines policies are generally not protected by state insurance guaranty funds, which means that if a surplus lines insurer becomes insolvent, you may not be able to recover under a state guaranty association.

Where a policy is placed with a surplus lines insurer, Rosella will provide the statutory disclosure(s) required by the state in which the risk is located at or before delivery of the policy.

6. Compensation Disclosure

Rosella is typically compensated by the insurance carrier through commissions paid as a percentage of premium for policies we place or service. Rosella may also receive:

Contingent or supplemental commissions, profit-sharing, or override compensation from carriers based on volume, retention, loss experience, or other production-related metrics;
Service or broker fees charged directly to a client, where agreed to in writing;
Compensation in connection with premium financing, payroll services, or other ancillary services offered by third parties.

Specific compensation arrangements relating to your account will be disclosed upon request. Rosella will comply with all applicable producer-compensation disclosure requirements in the states in which it is licensed.

7. Certificates of Insurance

Certificates of Insurance ("COIs") issued or facilitated by Rosella are provided for informational purposes only, evidence the existence of certain coverage as of the date issued, and do not amend, extend, or alter the coverage afforded by any policy. A COI confers no rights upon the certificate holder beyond what the underlying policy actually provides, and no additional-insured status, waiver of subrogation, or other coverage modification exists unless the underlying policy has been endorsed accordingly.

8. Eligibility

To use the Site or Services, you must be at least eighteen (18) years of age and capable of forming a binding contract under applicable law. The Site is intended for users located in the United States. We make no representation that the Site or Services are appropriate or available for use in other jurisdictions.

9. License to Use the Site

Subject to your compliance with these Terms, Rosella grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Site for your personal or internal business purposes. All rights not expressly granted are reserved by Rosella.

10. Prohibited Conduct

You agree that you will not, and will not permit any third party to:

access or use the Site or Services for any unlawful, fraudulent, or harmful purpose;
impersonate any person or entity, or misrepresent your affiliation with any person or entity;
access, reverse-engineer, decompile, scrape, harvest, or systematically collect data from the Site, except as expressly permitted;
use the Site or Services to transmit malware, viruses, or other harmful code;
bypass, disable, or interfere with any security or access-control feature of the Site;
frame, mirror, or republish any portion of the Site;
use the Site or Services to develop, train, or improve a competing product or service, or to gather competitive intelligence;
send unsolicited communications, "spam," or chain messages through the Site or Services; or
violate any applicable law, regulation, or third-party right.

We may suspend or terminate your access to the Site or Services at any time, with or without notice, for any actual or suspected violation of these Terms.

11. Intellectual Property

The Site, the Services, and all content, software, designs, text, graphics, logos, trademarks, and other materials made available through them (collectively, the "Rosella Content") are owned by Rosella or its licensors and are protected by U.S. and international intellectual-property laws. "Rosella," "Rosella Brokerage," and the Rosella logo are trademarks of Rosella Services, Inc. Other marks displayed on the Site are the property of their respective owners. Nothing in these Terms grants you any right to use any Rosella trademark or trade dress without our prior written consent.

12. User Submissions

If you submit, post, or transmit any content, feedback, suggestions, ideas, or other materials to Rosella through the Site or Services ("Submissions"), you grant Rosella a worldwide, perpetual, irrevocable, royalty-free, sublicensable, transferable license to use, reproduce, modify, distribute, and display such Submissions in connection with operating, improving, and marketing the Site and Services. You represent that you own or have all necessary rights to make the Submission and that the Submission does not infringe any third-party right.

13. Communications; Electronic Delivery; SMS Terms

By providing your contact information to Rosella, you consent to receive communications from us related to the Services, including emails, SMS or MMS messages, telephone calls, voicemails, push notifications, and postal mailings, as further described in our Privacy Policy. You agree that all notices, disclosures, agreements, policies, and other communications that we provide to you electronically satisfy any legal requirement that such communication be in writing.

SMS / text messaging. Your participation in any Rosella text-messaging program is additionally governed by our SMS / Text Messaging Terms, which are incorporated into these Terms by reference. Standard message and data rates may apply.

Email. Marketing emails sent by Rosella include an unsubscribe mechanism in compliance with the CAN-SPAM Act. Transactional and account-related emails (such as quote follow-ups, policy issuance, renewal notices, billing notifications, and claims communications) are not marketing communications and may continue even after you unsubscribe from marketing emails.

Call recording. Telephone calls with Rosella may be recorded for quality, training, and compliance purposes, with notice where required by law.

You may withdraw your consent to receive a particular category of communications at any time using the opt-out mechanisms described in our Privacy Policy (including reply STOP for SMS, the unsubscribe link in marketing emails, and requesting removal from call lists). Withdrawing consent may limit our ability to provide the Services or notify you of important account information.

14. Privacy

Your use of the Site and Services is also subject to our Privacy Policy, which describes how we collect, use, share, and protect personal information. Insurance-related personal information may also be subject to the federal Gramm-Leach-Bliley Act and applicable state insurance privacy regulations; additional notices required by those laws will be provided in accordance with them.

15. Third-Party Sites and Services

The Site may contain links to, or integrate with, websites, applications, products, or services operated by third parties (including insurance carriers, premium-finance companies, and technology vendors). Rosella does not control, endorse, or assume any responsibility for any third-party site or service, and your use of any third-party site or service is at your own risk and subject to that third party's terms and policies.

16. Disclaimer of Warranties

THE SITE AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ROSELLA AND ITS AFFILIATES, LICENSORS, AND SERVICE PROVIDERS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, ACCURACY, AND QUIET ENJOYMENT.

ROSELLA DOES NOT WARRANT THAT THE SITE OR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; THAT DEFECTS WILL BE CORRECTED; OR THAT THE SITE OR SERVICES OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. NO ADVICE OR INFORMATION OBTAINED FROM ROSELLA OR THROUGH THE SITE CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ROSELLA, ITS AFFILIATES, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, OR DATA, ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF (OR INABILITY TO USE) THE SITE OR SERVICES, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, AND WHETHER OR NOT ROSELLA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN ANY EVENT, THE AGGREGATE LIABILITY OF ROSELLA AND ITS AFFILIATES ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SITE OR SERVICES WILL NOT EXCEED THE GREATER OF (i) USD $10,000 OR (ii) THE AGGREGATE COMPENSATION ACTUALLY RECEIVED BY ROSELLA IN CONNECTION WITH YOUR INSURANCE POLICIES IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

Nothing in these Terms limits or excludes any liability that cannot be limited or excluded under applicable law, including liability for fraud, willful misconduct, or any rights or obligations under the insurance policy issued by a carrier (which is governed exclusively by the policy itself).

18. Indemnification

You agree to defend, indemnify, and hold harmless Rosella, its affiliates, and their respective officers, directors, employees, agents, and service providers from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Site or Services; (b) your breach of these Terms or any representation or warranty made by you; (c) any information or content you submit to Rosella; (d) your violation of any applicable law or any third-party right; or (e) any inaccuracy or omission in information you provided to Rosella in connection with an application, quote, policy, or claim.

19. Termination

We may suspend, restrict, or terminate your access to the Site or Services at any time, with or without notice and with or without cause. You may stop using the Site or Services at any time. Sections of these Terms that by their nature should survive termination will survive, including (without limitation) Sections 2–7, 11, 12, 14, 16, 17, 18, 20, and 22.

20. Governing Law; Venue

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws principles. The U.N. Convention on Contracts for the International Sale of Goods does not apply.

You and Rosella agree that the exclusive jurisdiction and venue for any action, suit, or proceeding arising out of or relating to these Terms or your use of the Site or Services will be the state and federal courts located in Travis County, Texas, and each party irrevocably consents to the personal jurisdiction of those courts and waives any objection based on inconvenient forum.

21. Modifications to These Terms

We may modify these Terms from time to time. When we do, we will update the "Last updated" date at the top of these Terms and, where the change is material, take additional reasonable steps to notify you (such as posting a notice on the Site or sending an email). Your continued use of the Site or Services after the effective date of the revised Terms constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Site and Services.

22. Miscellaneous

Entire agreement. These Terms, together with the Privacy Policy and the SMS / Text Messaging Terms, constitute the entire agreement between you and Rosella regarding the Site and Services and supersede any prior or contemporaneous understandings.
No waiver. Our failure to enforce any provision of these Terms will not be deemed a waiver of that provision or any other.
Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.
Assignment. You may not assign or transfer these Terms or any of your rights or obligations under them, in whole or in part, without our prior written consent. We may assign these Terms freely, including in connection with a merger, acquisition, reorganization, or sale of assets.
No third-party beneficiaries. These Terms do not create any third-party beneficiary rights.
Force majeure. Rosella will not be liable for any failure or delay in performance caused by events outside its reasonable control, including acts of God, natural disasters, epidemics, governmental actions, labor disputes, internet or telecommunications failures, cyberattacks, or carrier outages.
Headings. Section headings are for convenience only and do not affect interpretation.
Relationship of the parties. Nothing in these Terms creates any partnership, joint venture, employment, or agency relationship between you and Rosella, except as expressly described in a separate written agreement (such as a broker-of-record letter).

23. Contact

Questions about these Terms should be directed to:

Rosella Services, Inc. (d/b/a Rosella Brokerage) 2814 Gonzales St, Austin, TX 78702 Email: info@rosellabrokerage.com Phone: +1 (512) 844-3977

For privacy-related questions or to exercise your rights under our Privacy Policy, please contact info@rosellabrokerage.com.