Last updated: August 31, 2026
These Terms of Service govern your use of upiccommercial.com, operated by UPIC Commercial Insurance (“UPIC Commercial,” “we,” “us,” or “our”). By using this website, you agree to these terms. If you do not agree, please do not use the site.
Please also read our Privacy Policy and our Disclaimer & Insurance Disclosures, which are part of these terms.
About Us
UPIC Commercial is an independent commercial insurance agency licensed in Ohio, Pennsylvania, and Indiana, with offices at 1534 Royalwood Road, Broadview Heights, OH 44147. We are an insurance producer, not an insurance carrier. Coverage is written by licensed insurance companies, and any policy issued is a contract between you and that carrier.
The Website Is Informational
Everything on this site — blog posts, coverage guides, city pages, and municipal contractor registration pages — is general information, not insurance advice for your specific situation. Coverage needs vary. Nothing here creates an agent-client relationship, and nothing here is a promise that any particular coverage is available or appropriate for you.
Quotes and Coverage Are Not Bound Online
Submitting a quote request through this site does not:
- Bind, alter, or cancel any insurance coverage
- Create a binding offer or contract of insurance
- Report a claim
Coverage is only in effect when it has been bound in writing by an authorized representative and confirmed by the carrier. If you need to bind, change, or cancel coverage, or report a claim, call us at (216) 714-3377 and confirm in writing. Do not rely on a web form, email, or voicemail alone for a time-sensitive request.
Accuracy of Information You Provide
Insurance quotes and coverage depend on the accuracy of the information you supply. You agree that any information you give us about your business, property, operations, payroll, vehicles, or loss history is accurate and complete to the best of your knowledge. Inaccurate or incomplete information can result in an incorrect quote, a coverage gap, or a denied claim.
Municipal and Regulatory Information
Our contractor registration and municipal requirement pages are researched and updated periodically, but city requirements, bond amounts, fees, and forms change without notice. Always confirm current requirements directly with the relevant building department before relying on anything published here.
Intellectual Property
The content on this site, including text, graphics, logos, and page design, is owned by UPIC Commercial or its licensors and is protected by copyright and trademark law. You may view and print pages for your own personal or business reference. You may not republish, resell, or redistribute our content without written permission. Brief quotations with attribution and a link back are welcome.
Acceptable Use
You agree not to use this site to transmit malicious code, attempt unauthorized access to our systems, scrape content at a volume that burdens the site, or submit false or fraudulent information through our forms.
Third-Party Links
We link to insurance carriers, municipal websites, and other third-party resources for convenience. We do not control those sites and are not responsible for their content, accuracy, or practices.
Disclaimer of Warranties
This website is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, or that the information on it is complete or current.
Limitation of Liability
To the fullest extent permitted by law, UPIC Commercial will not be liable for any indirect, incidental, consequential, or punitive damages arising out of your use of, or inability to use, this website or its content. Nothing in this section limits any obligation we owe you under an actual agency agreement or a bound insurance policy.
Licensing
We are licensed to transact insurance business in Ohio, Pennsylvania, and Indiana. Information on this site is directed to businesses in those states. We cannot offer, quote, or bind coverage in states where we are not licensed.
Changes to These Terms
We may update these terms from time to time. The date at the top reflects the most recent revision. Continuing to use the site after changes are posted means you accept them.
Governing Law
These terms are governed by the laws of the State of Ohio, without regard to its conflict of law rules. Any dispute arising from these terms or your use of this site will be brought in the state or federal courts located in Cuyahoga County, Ohio.
Contact Us
UPIC Commercial Insurance
1534 Royalwood Road
Broadview Heights, OH 44147
Phone: (216) 714-3377
Email: andrewbetts@upinsurancecompany.com