Effective Date: June 1, 2025 — Last Updated: June 1, 2025
1. Agreement to Terms
NeitClem Wholesale Insurance and Brokerage, Inc. ("NeitClem," "we," "us," or "our") operates this website at neitclem.com (the "Site"). By accessing or using the Site in any manner, including browsing, submitting forms, or downloading materials, you agree to be bound by these Terms of Service ("Terms") and all applicable laws and regulations. If you do not agree with any of these Terms, you are prohibited from using or accessing this Site and should discontinue use immediately.
2. About NeitClem
NeitClem Wholesale Insurance and Brokerage, Inc. is a California-licensed wholesale insurance brokerage and surplus lines broker established in 1992. We operate exclusively as an intermediary between licensed retail insurance agents and brokers and the wholesale and E&S (Excess and Surplus Lines) insurance markets we represent. We do not sell insurance directly to the general public, and nothing on this Site constitutes a direct offer of insurance to any consumer or unlicensed party.
California Insurance License Number: 0E24609. NeitClem is a licensed surplus lines broker in the State of California and holds memberships with WSIA, CIWA, and NAGA.
3. Eligibility
This Site and its resources are intended solely for licensed insurance agents, brokers, and producers operating in the United States. By accessing the Site or submitting any information through its forms, you represent and warrant that you are at least 18 years of age, that you hold a valid and current insurance producer license issued by a state Department of Insurance, and that you have the legal authority to enter into these Terms on your own behalf or on behalf of the agency you represent.
NeitClem reserves the right to verify licensing credentials and to refuse service to any individual or entity that does not meet these eligibility requirements.
4. Use of the Site
You agree to use this Site only for lawful purposes and in a manner consistent with all applicable federal, state, and local laws and regulations, including those governing the insurance industry. You may not use the Site to transmit, distribute, or store any material that is unlawful, fraudulent, defamatory, or harmful to others. You may not attempt to gain unauthorized access to any portion of the Site, its servers, or any connected systems or networks. You may not use any automated tools, bots, scrapers, or other means to collect data from the Site without express written consent.
NeitClem reserves the right to monitor Site usage and to suspend or terminate access for any user who violates these Terms or who engages in conduct that we reasonably determine to be harmful to the Site, our business, or other users.
5. Insurance Information and Submissions
Information provided on this Site regarding coverages, markets, programs, and products is for general reference purposes only. Nothing on this Site constitutes a binding quotation, commitment to insure, warranty of coverage, or legal or professional advice. All coverage is subject to underwriting approval, carrier guidelines, eligibility requirements, and the terms, conditions, and exclusions of the applicable insurance policy.
Submission of a quote request, application, or other inquiry through this Site does not guarantee placement, coverage, or a binding offer of insurance. NeitClem acts solely as a wholesale broker intermediary and does not bind coverage without written confirmation issued by the applicable carrier or its authorized representative. All submissions are subject to underwriting review and may be declined at the carrier's discretion.
6. Agent Appointments
Completion of an agent application form on this Site initiates a preliminary review process and does not constitute an appointment, a commitment to appoint, or any form of binding agreement between the applicant and NeitClem. Appointment as a NeitClem agent is subject to NeitClem's internal review and approval process, including verification of licensure and Errors & Omissions coverage.
NeitClem reserves the right, in its sole discretion, to approve or decline any agent application for any lawful reason. Agents who are approved will be subject to the terms set forth in any applicable producer or appointment agreement executed separately and in writing between the parties.
7. Intellectual Property
All content on this Site — including but not limited to text, graphics, logos, photographs, images, product flyers, downloadable forms, and marketing materials — is the property of NeitClem Wholesale Insurance and Brokerage, Inc. or its licensors and is protected by applicable United States copyright, trademark, and other intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to download and use materials from this Site solely for your personal, non-commercial use in conducting business with NeitClem as a licensed insurance professional. Any reproduction, redistribution, modification, public display, or commercial use of materials from this Site without express prior written consent from NeitClem is strictly prohibited.
8. Disclaimer of Warranties
This Site and all information, content, materials, and services made available through it are provided on an "as is" and "as available" basis, without any warranty of any kind, express or implied. NeitClem expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. NeitClem makes no representation or warranty that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components, or that defects will be corrected.
Information on this Site may be subject to typographical errors or inaccuracies and may not be current or complete. NeitClem reserves the right to correct any errors or omissions at any time without prior notice.
9. Limitation of Liability
To the fullest extent permitted by applicable law, NeitClem Wholesale Insurance and Brokerage, Inc., its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages — including but not limited to loss of revenue, loss of profits, loss of business, loss of data, or other intangible losses — arising from or related to your access to or use of, or inability to access or use, this Site or any content, services, or materials available through the Site, even if NeitClem has been advised of the possibility of such damages.
In no event shall NeitClem's total aggregate liability to you for any claim arising from your use of this Site exceed one hundred dollars ($100.00), regardless of the form of the claim or the basis of liability.
10. Indemnification
You agree to defend, indemnify, and hold harmless NeitClem Wholesale Insurance and Brokerage, Inc. and its officers, directors, employees, agents, licensors, and service providers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees — including reasonable attorneys' fees — arising out of or relating to your use of the Site, your violation of these Terms, your violation of any applicable law or regulation, or your violation of any rights of any third party.
11. Third-Party Links
This Site may contain links to external websites and online resources operated by third parties for your convenience and reference. The inclusion of any third-party link does not imply endorsement, sponsorship, or affiliation by NeitClem with the linked site or its operator. NeitClem has no control over the content, privacy practices, or terms of service of any linked third-party websites and assumes no responsibility or liability for them. Your access to and use of linked sites is at your own risk and subject to the terms and privacy policies of those sites.
12. Privacy
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference. By using the Site, you consent to the collection and use of your information as described in the Privacy Policy. Please review the Privacy Policy to understand our practices regarding the information you provide when using the Site.
13. Modifications
NeitClem reserves the right to modify, update, or replace these Terms of Service at any time and in its sole discretion. Changes become effective immediately upon posting to the Site, and the "Last Updated" date at the top of this page will be revised accordingly. It is your responsibility to review these Terms periodically. Your continued use of the Site following the posting of revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you should cease using the Site.
14. Governing Law and Dispute Resolution
These Terms of Service are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any dispute, claim, or controversy arising out of or relating to these Terms or the use of this Site shall be subject to the exclusive jurisdiction and venue of the state and federal courts located in Los Angeles County, California. You hereby irrevocably consent to the personal jurisdiction of such courts and waive any objection to such jurisdiction or venue.
15. Contact Information
If you have any questions, concerns, or requests regarding these Terms of Service, please contact us by any of the following means:
NeitClem Wholesale Insurance and Brokerage, Inc.
7442 N Figueroa Street
Los Angeles, CA 90041
Phone: (323) 258-2600
Email: QuoteNow@neitclem.com
Our office is available Monday through Friday, 8:30 AM to 5:00 PM Pacific Time.