Last updated: March 28, 2026
By accessing or using the Atesa Risk Advisors website at atesariskadvisors.com ("the Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.
Atesa Risk Advisors is a licensed independent insurance brokerage operating in the State of Florida. Through our website, we provide insurance education content, cost estimation tools, quote request forms, and related resources to help individuals and businesses understand and obtain appropriate insurance coverage.
The information provided on this website, including our insurance estimator tools, calculators, blog articles, and educational content, is for general informational purposes only. It does not constitute insurance advice, a binding quote, or an offer of coverage. Actual insurance premiums, terms, conditions, and availability are determined by insurance carriers based on individual underwriting criteria.
Estimates generated by our tools (including LionRater™ and other calculators) are approximations based on publicly available rate data and general industry benchmarks. They are not guaranteed quotes and may differ significantly from actual policy premiums. A formal quote from an insurance carrier is required to determine your actual cost.
Submitting a quote request through our website does not guarantee that coverage will be offered or that any particular rate will be available. All insurance policies are subject to the terms, conditions, exclusions, and limitations of the issuing carrier. Coverage is not bound until a policy is issued by an insurance company.
We make reasonable efforts to ensure the accuracy of information on our website, including Florida insurance regulations, coverage descriptions, and cost estimates. However, insurance laws, regulations, and market conditions change frequently. We do not warrant that all information is current, complete, or error-free. Always verify important details with your insurance professional or the relevant regulatory authority.
You agree to use our website only for lawful purposes and in accordance with these terms. You agree not to:
All content on this website — including text, graphics, logos, images, tools, calculators, and software — is the property of Atesa Risk Advisors or our licensors and is protected by copyright, trademark, and other intellectual property laws. LionRater™ is a trademark of Atesa Risk Advisors. You may not use our trademarks without our prior written consent.
When you submit information through our website (quote requests, contact forms, estimator tools), you represent that the information is accurate and truthful. You grant us permission to use this information to provide insurance services, communicate with you, and improve our offerings as described in our Privacy Policy.
Our website may contain links to third-party websites, including insurance carrier portals, government resources, and industry organizations. These links are provided for your convenience. We do not endorse, control, or assume responsibility for the content or practices of any third-party sites.
To the fullest extent permitted by law, Atesa Risk Advisors and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the website or reliance on any information provided. This includes, but is not limited to, damages resulting from insurance coverage decisions made based on information from our website or tools.
You agree to indemnify and hold harmless Atesa Risk Advisors from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from your use of the website, violation of these terms, or infringement of any third-party rights.
These Terms of Service are governed by and construed in accordance with the laws of the State of Florida, without regard to conflict of law principles. Any disputes arising from these terms or your use of the website shall be resolved in the courts of Duval County, Florida.
We reserve the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the website after changes are posted constitutes your acceptance of the revised terms.
If you have questions about these Terms of Service, please contact us: