Terms of Use

Last Updated: July 10, 2026

Contact: support@stadiuminsurance.com

Please read these Terms of Use ("Terms") carefully before using the Stadium Insurance website, submitting a quote request, or opting into SMS communications. By accessing or using this website, submitting information, requesting a quote, or consenting to receive SMS communications, you agree to be bound by these Terms.

1. About Stadium Insurance

Stadium Insurance is an insurance agency and program administrator specializing in insurance solutions for sports cards, trading card game collections, graded collectibles, memorabilia, sealed products, and related collectible assets.

Stadium Insurance assists consumers in obtaining insurance quotations and coverage through licensed insurance carriers, underwriting partners, and other insurance providers.

Stadium Insurance may act on behalf of insurance carriers, wholesale brokers, underwriting partners, or other authorized insurance entities in connection with quoting, binding, servicing, administering, or arranging insurance products.

Insurance products are subject to availability, underwriting approval, policy terms, exclusions, limitations, and applicable law.

2. Licensing

Stadium Insurance conducts insurance business only in jurisdictions where it is properly licensed or otherwise authorized to do so.

Insurance products, rates, coverages, terms, conditions, and availability may vary by jurisdiction and may not be available in all states.

3. Quote Requests

Submitting a quote request through our website does not constitute an application for insurance and does not guarantee coverage.

Any quote, estimate, premium indication, proposal, or illustration provided through the website is preliminary, non-binding, and provided solely for informational purposes.

Final coverage availability, pricing, policy terms, exclusions, conditions, and underwriting requirements are determined exclusively by the applicable insurer and may differ from any preliminary quote or estimate.

4. No Coverage Is Bound Through This Website Until Payment Is Processed And Policy Issued

Submission of information through this website, including quote requests, applications, emails, text messages, online forms, or other communications, does not:

• Create insurance coverage
• Bind insurance coverage
• Renew coverage
• Modify coverage
• Cancel coverage
• Reinstate coverage
• Constitute acceptance of any risk

Coverage becomes effective only when confirmed in writing by an authorized representative of the applicable insurer and all underwriting, payment, and policy issuance requirements have been satisfied.

5. Policy Servicing and Claims Reporting

This website, email communications, and SMS communications should not be relied upon to:

• Report a claim
• Provide notice of loss
• Request policy changes
• Request cancellations
• Request reinstatement
• Bind or modify coverage

Policyholders should follow all reporting procedures contained in their insurance policies and insurer instructions.

Failure to properly report a claim or policy change in accordance with policy requirements may affect coverage and claim handling.

6. Accuracy of Information

By submitting information through this website, you represent and warrant that all information provided is truthful, accurate, current, and complete to the best of your knowledge.

You agree not to submit information that is:

• False
• Fraudulent
• Misleading
• Infringing
• Unlawful

Providing inaccurate or incomplete information may affect quotations, underwriting decisions, policy issuance, premium calculations, claim handling, or coverage validity.

7. Electronic Communications

By communicating with Stadium Insurance electronically, including through website forms, email, and SMS messages, you consent to receive electronic communications relating to your quote request, insurance inquiry, policy, claim, or other services, subject to applicable law.

Electronic communications may satisfy legal requirements that communications be provided in writing.

8. SMS / Text Messaging Program

SMS Program Summary

Company: Stadium Insurance

Purpose: Transactional text messages regarding insurance quotes, follow-up questions, appointment reminders, application status updates, policy-related communications, and customer service matters.

Message Frequency: Message frequency varies.

Cost: Message and data rates may apply. Contact your wireless carrier for details.

To Stop: Reply STOP at any time.

For Help: Reply HELP or contact support@stadiuminsurance.com.

Support: support@stadiuminsurance.com

Privacy: Your mobile number and SMS opt-in information will not be shared with third parties or affiliates for marketing or promotional purposes. Please review our Privacy Policy for additional information.

8.1 How We Use SMS

If you opt into SMS communications, Stadium Insurance may send text messages relating to:

• Quote requests
• Follow-up questions regarding an application
• Appointment scheduling and reminders
• Policy-related notifications
• Claims-related updates
• Customer service matters
• Status updates regarding active inquiries

Transactional SMS messages are sent solely in connection with legitimate business purposes.

Promotional or marketing SMS communications will not be sent without any legally required consent.

8.2 Opt-In

SMS consent is voluntary.

Providing SMS consent is not required to receive a quote, submit an application, purchase insurance, or use our services.

Alternative communication methods, including email and telephone communications, remain available.

8.3 Opt-Out

You may opt out of SMS communications at any time by replying STOP to any text message. You will receive a confirmation of your opt-out request and will no longer receive SMS messages unless you subsequently re-enroll.

8.4 HELP

Reply HELP to any SMS message or contact:

Email: support@stadiuminsurance.com

8.5 Carrier Disclaimer

Wireless carriers are not responsible for delayed, failed, or undelivered messages. Message delivery depends on carrier networks, device capabilities, and other factors outside our control.

9. Third-Party Insurance Products

Insurance policies offered through Stadium Insurance are issued by independent third-party insurance carriers.

All coverage obligations, underwriting decisions, premium determinations, claims decisions, policy interpretations, and payment obligations are made by the issuing insurer in accordance with the applicable policy.

Stadium Insurance is not responsible for the financial condition, solvency, or performance of any insurance carrier.

10. Information Disclaimer

Information provided on this website is for general informational purposes only.

Nothing on this website constitutes:

• Legal advice
• Tax advice
• Financial advice
• Investment advice
• Appraisal advice
• Valuation advice
• Insurance coverage advice

Users should consult appropriate professional advisors regarding their individual circumstances.

Coverage determinations should be based solely on the applicable insurance policy and insurer documentation.

11. Privacy

Your privacy is important to us.

Our Privacy Policy is incorporated into these Terms by reference and explains how we collect, use, protect, retain, and disclose personal information, including SMS consent information.

12. Intellectual Property

All website content, including:

• Text
• Graphics
• Images
• Software
• Logos
• Trademarks
• Branding
• Design elements

is owned by or licensed to Stadium Insurance and is protected under applicable intellectual property laws.

No content may be copied, reproduced, distributed, modified, transmitted, displayed, or otherwise used without prior written permission from Stadium Insurance.

13. Website Availability

The website is provided on an "as-is" and "as-available" basis.

Stadium Insurance does not guarantee that the website will be:

• Available at all times
• Uninterrupted
• Error-free
• Secure
• Free of viruses or harmful components

We reserve the right to modify, suspend, discontinue, or restrict access to any portion of the website at any time without notice.

14. Limitation of Liability

To the fullest extent permitted by applicable law, Stadium Insurance shall not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or similar damages arising out of or relating to:

• Use of the website
• Quote requests
• Communications
• Insurance applications
• Insurance products
• Coverage determinations
• Claim decisions
• Website interruptions or errors

Any insurance coverage determination, underwriting decision, claims decision, policy interpretation, premium calculation, or payment obligation is solely the responsibility of the issuing insurer.

In no event shall Stadium Insurance's total liability exceed the amount of fees, if any, actually paid directly to Stadium Insurance for the services giving rise to the claim.

Nothing in these Terms shall limit liability to the extent such limitation is prohibited by applicable law.

15. Indemnification

You agree to indemnify, defend, and hold harmless Stadium Insurance and its officers, directors, employees, contractors, representatives, affiliates, and agents from and against any claims, liabilities, damages, losses, costs, and expenses arising from:

• Your violation of these Terms
• Your misuse of the website
• Information you submit through the website
• Your violation of applicable laws or regulations

16. Changes to These Terms

We may revise these Terms from time to time.

The "Last Updated" date at the top of this page indicates when these Terms were most recently modified.

Continued use of the website or services after any revised Terms become effective constitutes acceptance of the updated Terms.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles.

Any dispute arising out of or relating to these Terms or the use of this website shall be subject to the exclusive jurisdiction of the state and federal courts located in California, unless otherwise required by applicable law.

18. Contact Us

Stadium Insurance

Email: support@stadiuminsurance.com

Questions regarding these Terms may be directed to the email address above.