FIRST POSTED: JULY 21, 2026
Welcome to the Mechanicus Insurance Services LLC ("Mechanicus") website! We invite you to access our Website and use our services, but please note that your invitation is subject to your acceptance and agreement with these Terms and Conditions of Use and our Privacy Policy. These Terms and Conditions explain how you are allowed to access and use the Mechanicus Insurance Services websites.
These Terms and Conditions of Use (the "Terms") are entered into by and between You and Mechanicus ("the Company," "we," or "us"). The Company is a South Carolina limited liability company with a presence in California, New York, Pennsylvania, Connecticut, and South Carolina. Mechanicus and its founding Members serve as a wholesale broker, helping retail brokers find insurance solutions for their commercial clients. Mechanicus and Mechanicus Insurance Services are marketing names used to refer to the Company.
The following terms and conditions ("Terms of Use") govern your access to and use of the Mechanicus website – mechanicusins.com – (the "Website"), which is, operated and utilized by Mechanicus, including access to and use of any content, functionality and services offered on or through the Website and also applies to Mechanicus social media pages, including but not limited to Facebook, X (formerly known as Twitter), Instagram, LinkedIn, and TikTok.
Please read the Terms of Use carefully before you start to use the Website. By using the Website, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms of Use or the Privacy Policy, you must not access or use the Website.
This website is offered to users who are 18 years of age or older and reside in the United States and its territories. By using this Website, you represent that you are of legal age to enter into binding contracts.
We may modify and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Website thereafter.
Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page often so you are aware of any changes, as they are binding on you. If you do not agree with the Terms of Use, you are not permitted to view or otherwise use the Website.
We reserve the right to withdraw or amend the Website, and/or any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if, for any reason all, any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.
You are responsible for both:
While accessing or using the Website or some of the resources it offers, you may be asked to provide certain details or other personal or proprietary user information. You consent to the transmission of your personal or proprietary information over international borders, as necessary for the processing and storage of transactions and otherwise, in accordance with our standard business practices.
It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete. You agree that all information you provide while using this Website or otherwise, including, but not limited to, through the use of any interactive features on the Website, is governed by our Privacy Policy and you consent to all actions we take with respect to your information consistent with our Privacy Policy. Linked sites may treat your information differently than Mechanicus.
If you choose, or are provided with, a username, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your username, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You should use particular caution when accessing your account from a public or shared computer or network so that others are not able to view or record your password or other personal information.
We have the right to disable or block any username, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.
The Mechanicusins.com site (the "Site") is provided by Mechanicus for your information and use strictly in accordance with applicable federal, state and local laws and regulations ("Applicable Laws"), and you agree that you will abide by all Applicable Laws while accessing or using the Site.
The Site refers to U.S. business activities and/or products and services and provides general information with respect to such products and services. Such general information is not intended to be, and does not constitute, a solicitation of business from any resident of the U.S. and its states and territories. Moreover, inquiries from U.S. residents as to insurance or other products or services should be directed to an insurance agent or broker licensed to conduct business in the relevant US state.
All portions of the Site related to insurance through brokers are intended and permitted for use solely by licensed brokers and other licensed market professionals. Unless you are a licensed broker or market professional, you are prohibited from accessing or using any content on the Site regarding broker services or insurance products.
These Terms of Use permit you to use the Website only for lawful purposes in compliance with Applicable Laws and only using a compatible web browser. You agree that you will not use or access the Site:
You must not:
The Website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by the Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.
If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Website in breach of the Terms of Use, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark and other laws.
The Company name and all related names, logos, product and service marks, designs and slogans ("Marks") are trademarks of the Company and other parties. You must not use such Marks for any purpose without the prior written permission of the Company or the owner of the relevant Marks.
You hereby acknowledge and agree that, as between Mechanicus and you, all rights, title, and interest in and to the Website, including without limitation any patent rights, patents, business methods, copyrights, trademarks, trade secrets, inventions, know-how, and all other intellectual property rights pertaining thereto, shall be owned exclusively by Mechanicus.
The Website may contain links to websites and co-branded pages operated and maintained by other parties (each a "Linked Site"). Mechanicus will provide these links to other websites and pages as a convenience to provide you with access to information and services that you may find useful or interesting. However, these Linked Sites are not under the control of Mechanicus. Mechanicus is not responsible for and makes no warranties or representations about the contents, products, or services offered on any Linked Site. Such links do not imply Mechanicus's endorsement of information or material on any other website and Mechanicus disclaims all liability with regard to your access to and use of such Linked Sites or goods or services purchased through them. Your use of Linked Sites is at your own risk.
Unless otherwise set forth in a written agreement between you and Mechanicus, you must adhere to Mechanicus's linking policy as follows: (i) the appearance, position, and other aspects of the link may not be such as to damage or dilute the reputation of Mechanicus; (ii) the appearance, position and other attributes of the link may not create the false appearance that your organization or entity is sponsored by, affiliated with, or associated with Mechanicus; (iii) when selected by a user, the link must display the Site on full-screen and not within a "frame" on the linking website; and (iv) Mechanicus reserves the right to revoke its consent to the link at any time and in its sole discretion.
We have the right to:
Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Website. YOU WAIVE AND HOLD HARMLESS THE COMPANY AND ITS AFFILIATES, LICENSEES, AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY ANY OF THE FOREGOING PARTIES DURING OR AS A RESULT OF ITS INVESTIGATIONS AND FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.
The Company cannot review all material before it is posted on the Website and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, Mechanicus assumes no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. Mechanicus has no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.
Mechanicus may, at any time or from time to time, modify or discontinue, temporarily or permanently, the Website, or any portion thereof, with or without notice. You agree that Mechanicus shall not be liable to you or to any third party for any modification, suspension, or discontinuance of the Site.
These content standards apply to any and all user contributions and use of interactive services. User contributions must in their entirety comply with all applicable federal, state, local and international laws, and regulations. Without limiting the foregoing, they must not:
This Website may include content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.
You may link to our homepage, provided you do so in a way that is compliant with Mechanicus's linking policy.
This Website may provide certain social media features that enable you to:
You may use these features solely as they are provided by us, solely with respect to the content they are displayed with, and otherwise in accordance with any additional terms and conditions we provide with respect to such features. Subject to the foregoing, you must not:
The website from which you are linking, or on which you make certain content accessible, must comply in all respects with the content standards set out in these Terms of Use. You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice. We may disable all or any social media features and any links at any time without notice in our discretion.
You understand that the Company cannot and does not guarantee or warrant that files available for downloading from the internet or the Website will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY LINKED SITE. YOU ARE RESPONSIBLE FOR VERIFYING ANY INFORMATION BEFORE RELYING ON IT.
YOUR USE OF THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE WEBSITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR PARTICULAR PURPOSE. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM MECHANICUS OR THROUGH OR FROM THE WEBSITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS.
Mechanicus is under no obligation to update any content on the Website. Mechanicus may change the content on the Website, and may make improvements or changes to the Website, at any time without notice.
YOU AGREE THAT MECHANICUS, ITS PARENT, SUBSIDIARIES, AFFILIATES ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS WILL NOT BE LIABLE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY LOSS OR DAMAGE WHICH YOU MAY CLAIM TO HAVE SUFFERED BY REASON OF OR IN CONNECTION WITH THE WEBSITE OR ANY LINKED SITE (INCLUDING ANY PRODUCTS OR SERVICES OFFERED ON SUCH SITES), INCLUDING WITHOUT LIMITATION COMPENSATORY, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST SERVICE OR LOST OPPORTUNITY), EVEN IF MECHANICUS IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES WHICH MAY INFECT A USER'S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS (E.G. YOU CANNOT ACCESS YOUR INTERNET SERVICE PROVIDER), UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS OR ANY OTHER EVENTS WHATSOEVER. WITHOUT LIMITING THE FOREGOING, MECHANICUS'S AGGREGATE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT AND YOUR USE OF THE WEBSITE SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO MECHANICUS DURING THE SIX (6) MONTHS PRIOR TO THE DATE THE APPLICABLE CAUSE OF ACTION AROSE.
You agree to defend, indemnify and hold harmless the Company, its Members, affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms of Use or your use of the Website, including, but not limited to, any user contributions or use of the Website's content, services and products, other than as expressly authorized in these Terms of Use, or your use of any information obtained from the Website.
ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE WEBSITE MUST BE COMMENCED WITHIN SIX MONTHS AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.
No waiver of by the Company of any term or condition set forth in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.
If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.
The Terms of Use and our Privacy Policy constitute the sole and entire agreement between you and Mechanicus with respect to the subject matter herein.
This website is operated by Mechanicus, 846 Cooks Cove Ridge, Clover SC 29710. Any complaints about the Website or notices of copyright infringement claims should be addressed to:
Chief Legal Officer
180 Beverly Road
White Plains, NY 10605
Email: [email protected]
All other feedback, inquiries, comments, requests for technical support and other communications relating to the Website should be directed to:
Contact for Inquiries – (914) 960-0597
180 Beverly Road
White Plains, NY 10605
Email: [email protected]
Access to and use of areas restricted to licensed professionals on the Site is limited to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.