Terms and Conditions
Sujan Insurance Agency (SIA)
Website: https://sujanins.com
Effective Date: October 11, 2026
1. Introduction
Welcome to Sujan Insurance Agency (“SIA,” “we,” “us,” or “our”). By accessing or using our website, https://sujanins.com, you agree to comply with these Terms and Conditions.
If you do not agree with these terms, please discontinue using our website.
2. Definitions and Interpretation
For the purposes of these Terms and Conditions, the following definitions shall apply:
Agency, Company, We, Us, or Our: Refers to Sujan Insurance Agency (SIA), an independent insurance agency located in Los Angeles, California.
Website: Refers to https://sujanins.com, including its webpages, online forms, content, and related services operated by Sujan Insurance Agency.
User, You, or Your: Refers to any individual, business, organization, or authorized representative accessing or using our website or services.
Client or Customer: Refers to an individual or business requesting, purchasing, or maintaining insurance products or services through Sujan Insurance Agency.
Insurance Carrier or Insurer: Refers to an insurance company responsible for issuing insurance policies and determining coverage, subject to applicable policy terms and laws.
Insurance Policy: Refers to a contract of insurance issued by an insurance carrier, including applicable declarations, endorsements, exclusions, conditions, and coverage limits.
Insurance Quote: Refers to an estimated insurance premium or proposed coverage provided for informational purposes, subject to underwriting review and carrier approval.
Binding of Coverage: Refers to the authorized establishment of insurance coverage by an insurer or its authorized representative, subject to applicable terms and conditions.
Premium: Refers to the amount charged for insurance coverage, excluding or including additional applicable fees and charges as specified in the relevant documents.
Endorsement: Refers to a written amendment to an insurance policy that adds, removes, or modifies coverage, terms, or insured information.
Claim: Refers to a request for insurance benefits or compensation arising from an incident or loss potentially covered under an insurance policy.
Premium Finance Company: Refers to a third-party financial institution or company that provides financing for insurance premiums under a separate financing agreement.
Third-Party Services: Refers to services provided by external insurance carriers, financing companies, claims administrators, technology providers, or other independent organizations.
Personal Information: Refers to information that identifies, relates to, describes, or can reasonably be linked to an individual or household, as defined by applicable privacy laws.
Services: Refers to insurance-related products, quotations, applications, policy assistance, claims reporting assistance, and other services offered by Sujan Insurance Agency.
Terms and Conditions: Refers to this agreement governing access to and use of the Sujan Insurance Agency website and related online services.
Interpretation
Words in the singular include the plural and vice versa where the context requires. References to applicable laws include amendments and replacements of those laws. Section headings are provided for convenience and do not affect interpretation.
In the event of a conflict between these Terms and Conditions and an issued insurance policy, the applicable insurance policy governs insurance coverage, subject to applicable law.
3. Insurance Services
Sujan Insurance Agency is an independent insurance agency offering insurance products and services, including commercial trucking insurance, commercial auto insurance, general liability insurance, motor truck cargo insurance, physical damage insurance, personal insurance, and other business insurance products.
All insurance products are subject to carrier underwriting guidelines, eligibility requirements, policy terms, conditions, exclusions, and applicable state regulations.
Insurance coverage availability and pricing may vary based on the applicant’s risk profile, location, driving history, business operations, and underwriting requirements.
4. Insurance Quotes and Applications
Any insurance quote, estimate, or premium indication provided through our website, email, telephone, or other communication channels is for informational purposes only.
Quotes do not constitute a guarantee of coverage, acceptance, or final premium.
All applications are subject to verification, underwriting approval, and acceptance by the applicable insurance carrier.
Sujan Insurance Agency reserves the right to request additional documentation or information before submitting an application for coverage.
5. No Automatic Binding of Coverage
Submitting an insurance application, requesting a quote, making a payment, or communicating with our agency does not automatically bind, activate, renew, reinstate, or modify insurance coverage.
Coverage becomes effective only upon confirmation from an authorized representative of Sujan Insurance Agency or the applicable insurance carrier, in accordance with carrier requirements.
Customers should not assume coverage is in effect until they receive written confirmation.
6. Policy Terms and Coverage
All insurance policies are governed exclusively by the terms, conditions, endorsements, exclusions, and limitations contained in the actual policy documents issued by the insurance carrier.
Descriptions of insurance products on our website are general summaries and do not amend, expand, or replace the actual insurance policy.
In the event of any inconsistency, the issued policy documents control.
7. Customer Responsibilities
Customers are responsible for providing accurate, complete, and current information when requesting insurance quotes, submitting applications, or requesting policy changes.
Customers must promptly notify our agency of material changes, including changes to vehicles, drivers, business operations, addresses, commodities transported, or other relevant risk information.
Inaccurate or incomplete information may affect underwriting, premium calculations, coverage availability, or claim determinations, subject to applicable law and policy provisions.
8. Policy Changes and Endorsements
Requests to add or remove vehicles, drivers, coverages, insured parties, or other policy information must be submitted through an authorized communication channel.
No endorsement, cancellation, reinstatement, or policy modification is effective solely because a request has been submitted.
Requests remain subject to applicable carrier approval, policy provisions, and written confirmation.
Customers are encouraged to submit requests by email and retain confirmation for their records.
9. Premium Payments and Financing
Insurance premiums, deposits, installment payments, agency fees, and other applicable charges are subject to the terms disclosed in the relevant insurance and financing documents.
Where premium financing is arranged through a third-party premium finance company, payment schedules, finance charges, late fees, cancellation provisions, and other obligations are governed by the applicable financing agreement and law.
Failure to make required payments may result in cancellation or other consequences, subject to applicable notice requirements.
10. Claims Assistance
Sujan Insurance Agency may assist policyholders with reporting claims and communicating with insurance carriers or claims administrators.
However, all coverage determinations, investigations, settlements, and claim payments are subject to the applicable policy and the authority of the insurer or designated claims administrator.
Our agency does not guarantee claim approval, payment, or settlement.
11. Website Information and Accuracy
We strive to provide accurate and current information on our website. However, we do not guarantee that all website content is complete, error-free, or continuously updated.
We may modify website content, insurance product descriptions, or available services without prior notice, subject to applicable law.
12. Third-Party Websites and Services
Our website may contain links to third-party websites, insurance carriers, premium finance companies, or other service providers.
Sujan Insurance Agency does not control third-party websites and is not responsible for their independent content, security practices, or privacy policies.
Use of third-party services is subject to the terms established by those providers.
13. Privacy and Data Protection
We respect the privacy of our customers and website visitors.
Personal information collected through our website is handled in accordance with our Privacy Policy and applicable privacy laws.
Please review our Privacy Policy for additional information regarding data collection, use, disclosure, and privacy rights.
14. Intellectual Property
Website content, including text, graphics, logos, branding, and other materials owned by Sujan Insurance Agency, is protected by applicable intellectual property laws.
Unauthorized copying, reproduction, distribution, or commercial use of protected materials is prohibited without prior written authorization.
15. Limitation of Liability
To the extent permitted by applicable law, Sujan Insurance Agency is not responsible for losses arising solely from website interruptions, technical errors, or reliance on general website information.
Nothing in these Terms and Conditions limits liability that cannot legally be excluded or restricts rights or remedies available under applicable insurance or consumer protection laws.
16. Governing Law
These Terms and Conditions are governed by the laws of the State of California, without regard to its conflict-of-law principles, except where other applicable laws require otherwise.
17. Changes to Terms and Conditions
Sujan Insurance Agency may update these Terms and Conditions periodically to reflect changes in our services, business practices, or legal requirements.
Updated terms will be published on our website with a revised effective date.
Continued use of the website after updated terms become effective constitutes acceptance to the extent permitted by law.
18. Contact Information
For questions regarding these Terms and Conditions, our insurance services, or website-related inquiries, please contact:
Sujan Insurance Agency(SIA)
Email: support@sujanins.com
Phone: 909-506-1001
Website: https://sujanins.com