Legal
Terms & Legal Disclaimer
Last updated: August 26, 2026
Draft for review. Prepared to match how these pages actually work. Not legal advice — have your attorney or E&O carrier review it before publishing.
1. Who we are
These pages are operated by XPRT Insurance LLC, doing business as A Roni Rivers Agency, a licensed insurance producer in Nevada (NV DOI #3762886) and Colorado (CO DOI #759040). By using these pages you agree to the terms below.
2. Information only — no coverage is bound here
Submitting a form on this site does not bind, change, renew or cancel any insurance coverage or surety bond. No coverage exists until a carrier issues a policy and we confirm it to you in writing. If you need coverage to start, change or stop on a specific date, call us at 702-766-3394 and get written confirmation. Do not use a web form to report a claim or to request cancellation.
3. General information, not advice
Descriptions of Garage Liability, Garagekeepers, Dealer's Open Lot and other coverages on these pages are simplified summaries meant to help you understand the categories. They are not legal, tax or financial advice, and they are not a substitute for the actual policy. Coverage is governed entirely by the terms, conditions, limits and exclusions of the policy or bond that is issued.
4. Quotes, eligibility and bonds
Coverage availability, eligibility, terms and pricing are subject to underwriting and carrier requirements. Bond approval, bond amount and pricing may depend on the applicant, the bond type, the documentation provided and underwriting review. Nothing on these pages is a guarantee of approval, of a particular price, or of a particular outcome. XPRT Insurance LLC is not affiliated with the Nevada Department of Motor Vehicles.
5. Accuracy of what you tell us
You agree that the information you submit is accurate and that you are authorized to submit it for the business named. Insurance and bond decisions are made based on what you tell us. Incomplete or inaccurate information can affect eligibility, pricing, and whether a claim is paid.
6. Contact permission
By submitting a form you agree we may contact you by phone, text message or email about your request. Message and data rates may apply; reply STOP to end text messages. See our Privacy Policy for the details.
7. Links to other sites
These pages link to other sites, including our online surety bond quoting portal, which is operated by a third-party provider under its own terms. We do not control those sites and are not responsible for their content or their handling of your information.
8. Our content
The text, design, logo and images on these pages belong to XPRT Insurance LLC or are used with permission. Please do not copy or reuse them without our written consent.
9. Availability and limitation of liability
These pages are provided as they are, without warranties of any kind. We do not promise the site will always be available or error-free. To the fullest extent the law allows, XPRT Insurance LLC is not liable for indirect or consequential damages arising from your use of these pages. Nothing here limits any obligation we owe you under a policy or bond actually issued, or under applicable insurance law.
10. Governing law
These terms are governed by the laws of the State of Nevada, without regard to its conflict of law rules.
11. Changes
We may update these terms. The version posted here is the one that applies.