Terms & Conditions

Please read these Terms and Conditions carefully before using clutchrisk.com or engaging Clutch Risk for insurance services. By accessing our website or requesting a quote, you agree to be bound by these terms.

1. About Clutch Risk

Clutch Risk is a division of Clutch Administration LLC, a Michigan Limited Liability Company, licensed as an independent insurance agency in the State of Michigan (License #22231445). We act as an agent or broker on your behalf to obtain insurance coverage from licensed carriers. We are not an insurance carrier and do not underwrite insurance policies.

2. Use of This Website

You may use this website for lawful purposes only. You agree not to:

• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to any part of the website or its systems
• Use automated tools to scrape, crawl, or harvest content
• Interfere with the operation of the website or other users' access
• Violate any applicable Michigan or federal law in connection with your use

3. Insurance Quotes and Coverage

Quotes provided through this website or by our agents are estimates based on information you provide and are not a guarantee of coverage or final premium. Coverage is subject to:

• Underwriting approval by the issuing carrier
• Full and accurate disclosure of all relevant information
• Payment of applicable premiums
• The terms and conditions of the issued policy

A policy is not bound until you receive written confirmation from Clutch Risk or the issuing carrier. Clutch Risk assumes no liability for coverage gaps resulting from inaccurate or incomplete information provided by the applicant.

4. Accuracy of Information

You represent that all information you provide to Clutch Risk is true, accurate, and complete. Providing false or misleading information in connection with an insurance application may constitute insurance fraud under Michigan law (MCL 500.4503) and may result in cancellation of coverage, denial of claims, and/or criminal prosecution.

5. No Coverage Guarantee

Nothing on this website constitutes a guarantee, warranty, or promise of insurance coverage. Coverage is provided solely by the issuing insurance carrier under the terms of your policy. Clutch Risk is not responsible for carrier decisions regarding acceptance, rating, or claims.

6. Limitation of Liability

To the fullest extent permitted by Michigan law, Clutch Risk and Clutch Administration LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services. Our total liability in any circumstance shall not exceed the amount of commissions earned on your policy in the preceding 12 months.

7. Errors and Omissions

While we strive for accuracy, Clutch Risk does not warrant that information on this website is error-free, complete, or current. We reserve the right to correct errors and update content at any time without notice. Content on this site is for informational purposes and does not constitute legal or financial advice.

8. Third-Party Carriers and Services

Clutch Risk works with multiple insurance carriers and third-party service providers. We are not responsible for the acts, omissions, products, or services of any carrier or third party. Your relationship with any carrier is governed by your policy documents, not by these terms.

9. Intellectual Property

All content on this website, including the Clutch Risk name, logo, trademarks, text, graphics, and design, is the property of Clutch Administration LLC and is protected by Michigan and federal intellectual property laws. Unauthorized use, reproduction, or distribution is prohibited.

10. Michigan Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the State of Michigan, without regard to conflict of law principles. Any disputes arising under these terms shall be resolved in the state or federal courts located in Kalamazoo County, Michigan.

11. Dispute Resolution

In the event of a dispute regarding insurance coverage or claims, you may contact the Michigan Department of Insurance and Financial Services (DIFS) at:

12. Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy for details on how we collect and use your information.

13. Modifications

Clutch Risk reserves the right to modify these Terms and Conditions at any time. Changes are effective immediately upon posting to the website. Your continued use of our services following any changes constitutes your acceptance of the revised terms.

14. Severability

If any provision of these Terms is found to be unenforceable under Michigan law, the remaining provisions shall continue in full force and effect.

15. Contact Us

For questions about these Terms and Conditions: