The short version: This website is an informational tool for connecting Tennessee small businesses with group insurance options. Nothing on this site is an offer of insurance — actual coverage requires carrier underwriting and a binding agreement. By using the site you agree to the terms below.

1. Acceptance of Terms

By accessing or using youngs-insurance.com ("the Site") or any services provided by Young's Insurance ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, please do not use the Site or our services.

2. About Young's Insurance

Young's Insurance is a licensed insurance producer (TN License #3001688666, NPN #20135621) authorized to do business in the State of Tennessee. We act as a broker placing group benefits coverage with licensed insurance carriers. We are not a carrier, underwriter, or risk-bearing entity. We are compensated through commissions and fees paid by the insurance carriers we appoint with, in accordance with applicable Tennessee insurance regulations.

3. No Insurance Offer or Solicitation

The information on this Site is provided for general educational and informational purposes only. Nothing on the Site constitutes an offer to sell, or a solicitation of an offer to buy, insurance in any jurisdiction where Young's Insurance is not licensed. Any actual coverage requires:

Quotes provided through this Site or by Young's Insurance are estimates based on the information you provide. Actual rates may differ based on underwriting and final carrier review.

4. Accuracy of Information You Provide

You agree that all information you submit through the Site — including quote requests, employee census data, and any other information shared with us — is accurate, complete, and submitted in good faith. You represent that you are authorized to provide any information you submit, including any employee data submitted on behalf of a business. Inaccurate or misrepresented information may result in denied coverage, claim disputes, or policy rescission by the carrier.

5. Use of the Site

You agree to use the Site only for lawful purposes and in a manner that does not infringe on the rights of others. You will not:

6. Intellectual Property

All content on the Site — including text, graphics, logos, and the Young's Insurance brand identity — is owned by Young's Insurance or our licensors and is protected by copyright and trademark law. You may not reproduce, distribute, or create derivative works from this content without prior written permission.

7. Third-Party Content and Links

The Site may include links to carrier websites, plan documents, or other third-party resources. These third-party materials are provided for convenience and are not endorsed, controlled, or maintained by Young's Insurance. We are not responsible for the accuracy, content, or availability of any third-party site or resource.

8. Disclaimers

The Site and its content are provided "as is" and "as available," without warranties of any kind, express or implied, including (without limitation) warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free.

Information on this Site is not legal, tax, or financial advice. Insurance decisions should be made in consultation with appropriate professionals and based on your specific circumstances.

9. Limitation of Liability

To the maximum extent permitted by Tennessee law, Young's Insurance, its owners, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of the Site, including but not limited to lost profits, lost data, or business interruption — even if we have been advised of the possibility of such damages.

For matters relating to actual placed coverage, our role and responsibilities are governed by the brokerage relationship and applicable Tennessee insurance law and regulation, which control over any inconsistent provision of these Terms.

10. Indemnification

You agree to indemnify and hold harmless Young's Insurance and its owners, employees, and agents from any claims, damages, or expenses (including reasonable attorneys' fees) arising from (a) your use of the Site, (b) your violation of these Terms, (c) information you submit that is inaccurate, false, or misleading, or (d) your violation of any applicable law.

11. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

12. Changes to These Terms

We may update these Terms from time to time. The "Last updated" date at the top of this page indicates when the latest revision took effect. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

13. Governing Law and Disputes

These Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-laws principles. Any dispute arising from these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Anderson County, Tennessee, and you consent to the personal jurisdiction of those courts. Disputes related to actual placed coverage are governed by the terms of the relevant policy and by Tennessee insurance regulations, including any applicable arbitration or appraisal provisions.

14. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15. Contact

Questions about these Terms? Contact us:

By using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you have any questions about these Terms, please contact us before using the Site or our services.