Terms of Service

Introduction

Welcome to Roster Benefits ("Company," "we," "our" or "us"). These Terms of Service ("Terms") govern your use of our website, digital platforms, and all employee benefits brokerage, renewal, enrollment and compliance-support services (collectively, the "Services").

By accessing our website, requesting a renewal review, or appointing Roster Benefits as your broker of record, you acknowledge that you have read, understood and agree to be bound by these Terms. If you do not agree, you must discontinue use of the Services.

Company Overview

INSURANCE PIPELINE INC, located at 2817 E Oakland Park Blvd, Ste 300E, Fort Lauderdale, FL 33306, is a licensed employee benefits brokerage serving companies of two to fifty employees in Washington, Oregon, Idaho. We place group medical, dental, vision, life and disability coverage, run open enrollment, and maintain a compliance calendar for the plans we place.

We are licensed to transact insurance business only in Washington, Oregon, Idaho. Nothing on this site is an offer to transact business in any other state. Licensed insurance producer · License numbers on request.

What We Are Not

We are not a law firm, not an accountancy practice and not a third-party administrator. Nothing on this site or provided in the course of our work is legal, tax or actuarial advice.

Our compliance support is a calendar, a set of prepared notices and a record of what was sent. It is not a legal opinion about whether your arrangement satisfies any statute, and it should not be relied on as one. Questions turning on how a law applies to your facts need your own counsel.

Acceptance of Service Terms

By requesting a renewal review, signing a broker-of-record letter, or instructing us to market your group, you enter into a service relationship governed by these Terms and by any signed broker-of-record letter or service agreement. In the event of conflicting terms, the signed letter or agreement takes precedence.

Only the policy documents issued by an insurance carrier state what is actually covered. Where these Terms and a carrier's plan documents differ about coverage, the plan documents govern.

Client Responsibilities & Eligibility

You affirm that you are at least 18 years old, that you have the authority to arrange benefits for your business entity, and that the information you provide about headcount, eligibility, contributions and existing coverage is truthful, complete and accurate.

You agree that Roster Benefits is not responsible for a carrier declining a group, rescinding a quote, or repricing at underwriting because of information that was incomplete, inaccurate or not disclosed.

If you send us a census you are responsible for having the authority to do so. It reaches us through a secure link — never through a form on this website and never by ordinary email. See our Privacy Policy.

Scope of Services

What we do is quote, place and service group benefits: marketing your group to appointed carriers, presenting the results, running enrollment, and holding the compliance calendar for the plans we place.

Scope changes. If the work changes — adding a line of coverage, a second plan, an additional state, or a mid-year event — we will tell you what changes about the timeline and about our compensation before proceeding.

Nothing here is a quote. Rates, plan availability, carrier networks, funding options and compliance obligations change annually and vary by headcount, state and arrangement. Nothing on this site is an offer of coverage, and we do not represent every carrier available in every state.

Scheduling & Appointments

You agree to provide timely responses and documentation. Carrier underwriting queues are outside our control, and a submission that goes out late is quoted late.

Roster Benefits is not liable for a missed renewal, enrollment or filing deadline caused by documents or decisions that did not arrive in time. We publish the ninety-day calendar precisely so that the dependency is visible in advance rather than discovered at the end.

How We Are Paid

We are compensated by insurance carriers when we place coverage, and the commission is disclosed to you in writing before you appoint us. Our services cost you nothing directly. Premiums are filed with the state and are the same whether you buy direct or through a broker. Where a fee arrangement applies instead, it is quoted plainly in advance.

Cancellations, Rescheduling & Ending the Relationship

Ending the relationship. We become your broker only when you sign a broker-of-record letter. There is no separate contract, no notice period and no exit fee — appointing another broker ends the arrangement and we hand over cleanly.

Rescheduling. Please give as much notice as you can for enrollment meetings, which are scheduled around carrier and payroll deadlines rather than around our diary.

Refunds. Not applicable in the ordinary case: you pay us nothing. Where a fee arrangement was agreed in writing, refunds are governed by that agreement.

Privacy & Data Protection

We adhere to strict confidentiality standards, and the obligation runs to your employees' information as much as to yours. We do not sell your personal information or your employees' information to third parties. Please refer to our Privacy Policy for how we handle data, and in particular for how census files must reach us.

Acceptable Use & Intellectual Property

Please do not attempt to disrupt the site, reach parts of it you are not meant to, scrape it wholesale, or submit anyone's personal information without authority. The text, layout and design belong to us; read, print and share pages freely, but do not republish them as your own. Insurance carrier names and marks belong to their owners, and their appearance here does not imply that they endorse this firm.

Limitation of Liability

The site is provided "as is" and "as available." To the fullest extent permitted by law we disclaim all warranties, express or implied, and we are not liable for indirect, incidental, special, consequential or punitive damages arising from your use of this website. Our total liability arising out of your use of the site will not exceed one hundred United States dollars.

This limitation concerns the website. It does not limit any liability arising from the brokerage services we provide to clients, and it does not exclude any liability that cannot be excluded at law, including liability for fraud or for breach of the duties state law imposes on licensed insurance producers.

Indemnification

You agree to indemnify and hold harmless INSURANCE PIPELINE INC, its officers and agents from all claims, losses or expenses, including reasonable legal fees, resulting from your breach of these Terms, your failure to disclose information relevant to underwriting, or your submission of personal information you were not authorized to provide.

Dispute Resolution

Before pursuing legal action, both parties agree to attempt good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration in Florida, following the rules of the American Arbitration Association. Each party pays its own legal costs unless otherwise awarded.

Class action waiver. To the fullest extent permitted by law, proceedings will be conducted only on an individual basis and not as a class, consolidated or representative action.

This clause does not reach your carrier. A dispute with an insurance company about a claim or a plan is governed by that plan's own appeal and grievance procedures, and nothing here limits your right to appeal a coverage decision or to complain to a state insurance regulator.

Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules, except where the mandatory law of another state in which we are licensed applies.

Updates to Terms

We may revise these Terms at any time. Changes are effective upon posting to this website, and the effective date above shows when they last changed. Continued use of the Services constitutes acceptance of the revised Terms.

Contact Information

INSURANCE PIPELINE INC · 2817 E Oakland Park Blvd, Ste 300E, Fort Lauderdale, FL 33306 · (877) 610-5127 · team@rosterbene.com · Licensed insurance producer · License numbers on request.