Last Updated: October 29, 2025
These Terms of Service ("Terms") constitute a legally binding agreement between you and Leija Insurance Group ("Company," "we," "our," or "us") concerning your access to and use of our website, services, and any related applications (collectively, the "Services").
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Services.
You must be at least 18 years old and legally able to enter into contracts to use our Services. By using our Services, you represent and warrant that you meet these eligibility requirements.
Leija Insurance Group provides insurance brokerage and consulting services, including but not limited to:
We act as an independent insurance broker and are not affiliated with any single insurance carrier. Our services are provided to businesses and individuals seeking insurance and employee benefits solutions.
Nicholas Leija is a licensed insurance agent in Texas (TX), California (CA), and Nevada (NV). All services are provided in compliance with applicable state and federal insurance regulations, including but not limited to:
While we work diligently to find suitable insurance solutions, we do not guarantee that:
Final approval of insurance applications is at the sole discretion of the insurance carriers. We act solely as a broker and intermediary between you and insurance providers.
Our services to clients are provided at no direct cost. We are compensated through commissions paid by insurance carriers when policies are issued and maintained. These commissions do not increase the cost of insurance to you.
In some cases, we may charge consulting fees for specialized services. Any such fees will be clearly disclosed and agreed upon in writing before services are rendered.
You are responsible for providing accurate, complete, and truthful information on all applications, forms, and communications. Misrepresentation or omission of material facts may result in:
We are not responsible for consequences resulting from inaccurate information provided by clients.
We are committed to protecting your personal and confidential information in accordance with our Privacy Policy and applicable privacy laws, including HIPAA and GLBA.
You acknowledge that we may share your information with insurance carriers, service providers, and other third parties as necessary to provide our services and comply with legal requirements.
All content on our website, including text, graphics, logos, images, and software, is the property of Leija Insurance Group or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, create derivative works, publicly display, or exploit any content from our website without our prior written permission.
You agree not to use our Services to:
OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
We do not warrant that defects will be corrected or that the Services are free of viruses or other harmful components.
TO THE FULLEST EXTENT PERMITTED BY LAW, LEIJA INSURANCE GROUP SHALL NOT BE LIABLE FOR:
Our total liability for any claim arising from or relating to the Services shall not exceed the amount of commissions we received from your insurance policies in the 12 months preceding the claim, or $1,000, whichever is less.
You agree to indemnify, defend, and hold harmless Leija Insurance Group and its officers, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorney fees) arising from:
Our Services may contain links to third-party websites or services, including insurance carrier websites. We are not responsible for the content, privacy practices, or terms of service of these third parties. Your interactions with third parties are solely between you and the third party.
We reserve the right to suspend or terminate your access to the Services at any time, with or without cause or notice, including if you violate these Terms.
You may terminate your relationship with us at any time by ceasing to use the Services and contacting us to request deletion of your account and information (subject to legal retention requirements).
Termination of your access does not affect existing insurance policies or ongoing service obligations related to those policies.
Any dispute, claim, or controversy arising from or relating to these Terms or the Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.
Arbitration will be conducted in Texas, and the arbitrator's decision will be final and binding. You waive your right to a jury trial and to participate in class action lawsuits.
Notwithstanding the above, either party may seek injunctive relief in court to prevent irreparable harm.
These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law principles. Any legal action or proceeding (not subject to arbitration) shall be brought exclusively in the courts located in Hays County, Texas.
If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be severed from these Terms and will not affect the validity and enforceability of the remaining provisions.
These Terms, together with our Privacy Policy and any other written agreements between us, constitute the entire agreement between you and Leija Insurance Group regarding the Services and supersede all prior agreements and understandings.
We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last Updated" date.
Your continued use of the Services after changes are posted constitutes your acceptance of the updated Terms. If you do not agree to the modified Terms, you must stop using the Services.
As an insurance broker, we represent you (the client) in seeking insurance coverage, not the insurance carriers. However, we may also act as an agent of the insurance carrier for certain administrative purposes.
All insurance policies are subject to the terms, conditions, exclusions, and limitations contained in the policy documents issued by the insurance carrier. In the event of any conflict between information we provide and the actual policy documents, the policy documents control.
You are responsible for timely payment of all insurance premiums. Failure to pay premiums may result in cancellation of coverage. We are not responsible for lapses in coverage due to non-payment.
While we provide ongoing support and claims assistance, all claims decisions are made solely by the insurance carrier. We cannot guarantee claim approval or payment amounts.
Our agents maintain all required continuing education and licensing requirements as mandated by state insurance departments.
If you have questions about these Terms of Service, please contact us:
Leija Insurance Group
Email: [email protected]
Phone: (512) 690-0075
Location: Serving San Marcos, Kyle, Buda and surrounding areas
By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.