Terms & Conditions
Effective Date: 8/24/2026
Welcome to the website of Steele Insurance Services (“Steele Insurance Services,” “we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your use of our website and any online services, quote-request forms, communications, and other features made available through the website. By accessing or using this website, you agree to these Terms. If you do not agree with these Terms, please do not use the website.
1. About Steele Insurance Services Steele Insurance Services is an insurance agency serving customers in South Carolina. We provide assistance with personal insurance products, which may include automobile, homeowners, renters, personal umbrella, recreational vehicle, and other personal lines insurance products. Insurance products are subject to availability, eligibility, underwriting guidelines, policy terms, conditions, exclusions, deductibles, limits, and the requirements of the applicable insurance carrier.
2. No Insurance Coverage Is Provided Through Website Use Use of this website, submission of an online form, request for a quote, email, text message, telephone call, or other communication with Steele Insurance Services does not by itself create an insurance policy, bind coverage, amend an existing policy, or guarantee that coverage will be available. Coverage is effective only when confirmed by Steele Insurance Services or the applicable insurance carrier in accordance with the carrier's underwriting and binding procedures. You should not assume that you have insurance coverage until you have received confirmation of coverage and the applicable policy or binder from an authorized representative.
3. Insurance Quotes and Estimates Any quote, premium estimate, rate, coverage suggestion, or other information provided through this website is for informational purposes and may be subject to change. Quotes may be based on information provided by you and may change after verification of driving records, claims history, property characteristics, credit-based insurance information where permitted, underwriting information, inspection results, or other information required by an insurance carrier. A quote does not constitute an offer or guarantee of insurance coverage. Final premiums, coverage limits, deductibles, eligibility, and policy terms are determined by the applicable insurance carrier.
4. Accuracy of Information You agree to provide accurate, complete, and current information when submitting information through our website. You are responsible for reviewing information you provide to us and promptly notifying us of any errors or changes that could affect your insurance needs or coverage. We are not responsible for consequences resulting from inaccurate, incomplete, outdated, or misleading information supplied by you.
5. Policy Documents Control Information displayed on this website is general information and is not a substitute for the terms of an insurance policy. If there is any difference between information presented on this website and the language of an applicable insurance policy, endorsement, binder, or other official insurance document, the official insurance document controls. Insurance policies contain specific terms, conditions, limitations, exclusions, and definitions.
6. No Guarantee of Coverage or Savings Steele Insurance Services does not guarantee that we can obtain insurance coverage for every applicant, risk, property, vehicle, driver, or situation. We also do not guarantee that we will obtain the lowest available premium or that a particular insurance carrier will offer coverage. Insurance availability and pricing may vary based on individual circumstances and carrier underwriting guidelines.
7. Insurance Carrier Relationship Steele Insurance Services may offer insurance products from one or more insurance carriers. The insurance carrier that issues your policy is responsible for the policy's underwriting, administration, claims handling, and payment of covered claims, subject to the terms of the applicable policy. Steele Insurance Services does not have authority to alter, waive, or modify the terms of an insurance policy unless specifically authorized by the applicable insurance carrier.
8. Claims Insurance claims should be reported as promptly as required under your policy. Depending on the circumstances and the applicable policy, claims may need to be reported directly to the insurance carrier. Steele Insurance Services may assist customers with communications concerning their insurance policies, but the insurance carrier is responsible for determining coverage and handling claims in accordance with the applicable policy. Nothing on this website constitutes a determination that a particular loss or claim is covered.
9. Website Communications Information submitted through the website may be used to respond to your inquiry, provide requested insurance information, contact you regarding your insurance needs, and perform related agency services. Submitting an online request does not guarantee a particular response time. Electronic communications may be subject to delays, interruptions, or transmission errors. You should not use ordinary website forms or email to communicate information that requires immediate action, including urgent claims or cancellation requests, unless Steele Insurance Services has specifically instructed you to do so.
9.1 Text Message Communication
SMS/Text Messaging Terms
By providing your mobile telephone number and opting in to receive SMS/text messages from Steele Insurance Services, you agree to receive text messages regarding your insurance inquiry, requested services, account, policy, or other service-related communications.
Steele Insurance Services text messages may include quote follow-ups, policy information, claims assistance, and customer-service communications. You may receive up to 100 messages per month. Message frequency may vary. Message and data rates may apply. Reply STOP to opt out. HELP for assistance. For support, call 843-604-4520 or email teri@steele-ins.com.
Consent to receive SMS messages is not a condition of purchasing insurance or obtaining insurance services.
Message frequency may vary depending on your communications with Steele Insurance Services.
10. Privacy and Personal Information We may collect personal information that you voluntarily provide through this website, including information submitted through quote forms, contact forms, applications, or other communications. We will use and handle personal information in accordance with our Privacy Policy and applicable law. You should avoid submitting sensitive personal information through a website form unless the form specifically requests that information and appropriate security measures are provided.
11. Third-Party Websites and Services Our website may contain links to websites, portals, payment systems, insurance carriers, technology providers, or other third-party services. These third-party websites and services are not controlled by Steele Insurance Services. We are not responsible for their content, availability, security, privacy practices, or terms of use. Your use of a third-party website or service is subject to that provider's applicable terms and policies.
12. Website Content The content of this website is provided for general informational purposes. Although we make reasonable efforts to keep website information accurate and current, we do not guarantee that all content is complete, accurate, current, or free from errors. Insurance laws, carrier offerings, rates, underwriting guidelines, and coverage availability may change. Nothing on this website constitutes legal, tax, financial, or professional advice.
13. Intellectual Property Unless otherwise stated, the content of this website, including text, graphics, logos, images, design elements, and other materials, is owned by or licensed to Steele Insurance Services and is protected by applicable intellectual property laws. You may view and use the website for personal, non-commercial purposes. You may not reproduce, distribute, modify, publish, transmit, or commercially exploit website content without our prior written permission.
14. Prohibited Use You agree not to: ● Use the website for unlawful purposes; ● Submit false, misleading, or fraudulent information; ● Attempt to gain unauthorized access to the website or its systems; ● Interfere with the operation or security of the website; ● Introduce malicious software, viruses, or other harmful code; ● Scrape, copy, or systematically collect website content without permission; or ● Use the website in a manner that could damage Steele Insurance Services or its customers.
15. Website Availability We do not guarantee that the website will always be available, uninterrupted, secure, or free from errors. We may modify, suspend, or discontinue any portion of the website at any time without notice.
16. Limitation of Liability To the fullest extent permitted by applicable law, Steele Insurance Services and its owners, employees, agents, representatives, and service providers will not be liable for indirect, incidental, consequential, special, or punitive damages arising from or related to your use of the website. This limitation does not apply to liability that cannot lawfully be excluded or limited under applicable law.
17. Indemnification To the fullest extent permitted by law, you agree to indemnify and hold harmless Steele Insurance Services and its owners, employees, agents, representatives, and service providers from claims, liabilities, damages, losses, and expenses arising from your misuse of the website, violation of these Terms, or submission of inaccurate or unauthorized information.
18. South Carolina Law These Terms are governed by the laws of the State of South Carolina, without regard to conflict-of-law principles, except to the extent that applicable law requires otherwise. Any dispute concerning these Terms shall be handled in a court of competent jurisdiction as permitted by applicable law.
19. Regulatory Information Steele Insurance Services operates subject to applicable South Carolina insurance laws and regulations. Consumers with insurance questions or concerns may also contact the South Carolina Department of Insurance. The Department provides resources for consumers concerning insurance companies, agents, policies, complaints, and other insurance matters (Department of Insurance South Carolina). For licensing and regulatory information, consumers may consult the South Carolina Department of Insurance's official resources.
20. Changes to These Terms We may update these Terms from time to time. When changes are made, the revised Terms will be posted on this website with an updated effective date. Your continued use of the website after changes are posted constitutes acceptance of the revised Terms, to the extent permitted by applicable law.
21. Severability If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in full force and effect to the extent permitted by law.
22. Entire Agreement These Terms, together with any applicable Privacy Policy and other policies expressly incorporated into these Terms, constitute the agreement between you and Steele Insurance Services regarding your use of this website. These Terms do not modify, replace, or supersede the terms of any insurance policy or other written agreement between you and Steele Insurance Services or an insurance carrier.
23. Contact Us Steele Insurance Services South Carolina
Phone: 843-604-4520
Email: teri@steele-ins.com
Website: www.steele-ins.com
If you have questions about these Terms or about information presented on this website, please contact Steele Insurance Services directly.
IMPORTANT NOTICE: This website Terms & Conditions document is provided as a general starting point and is not legal advice. Because Steele Insurance Services conducts regulated insurance business in South Carolina, the final version should be reviewed by qualified South Carolina insurance counsel before publication.