Terms of Service

Effective Date: February 2026

Welcome to RMS Truck Insurance. These Terms of Service ("Terms") govern your use of our website rmstruckers.com and the insurance services we provide. By accessing our website or using our services, you agree to these Terms.

Acceptance of Terms

By using our website and services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our website or services.

About RMS Truck Insurance

RMS Truck Insurance is an insurance agency, not an insurance carrier. We act as an intermediary between you and insurance carriers to help you obtain commercial trucking insurance coverage. We are licensed to sell insurance in 42 states.

Founded in 2022, RMS Truck Insurance is based in Idaho and serves trucking companies nationwide. Our founders are Jake Deaton and Stewart Hyndman.

Services We Provide

We provide the following services:

• Insurance quotes and recommendations for commercial trucking insurance
• Assistance with policy applications and binding coverage
• Policy management, including renewals and changes
• Certificates of insurance (COIs)
• Claims support and guidance
• Regulatory compliance information and resources

Website Use

Permitted Use

You may use our website for lawful purposes related to obtaining information about and purchasing trucking insurance. You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Submit false, inaccurate, or misleading information
• Attempt to gain unauthorized access to our systems or networks
• Use automated systems (bots, scrapers) to access the website without permission
• Interfere with the proper functioning of the website
• Copy, reproduce, or distribute website content without authorization

Website Availability

We strive to maintain website availability, but we do not guarantee uninterrupted access. The website may be unavailable due to maintenance, technical issues, or circumstances beyond our control. We are not liable for any losses resulting from website unavailability.

Insurance Quotes and Coverage

Nature of Quotes

Insurance quotes provided through our website or by our agents are estimates only. Quotes are based on the information you provide and are subject to:

• Verification of all information
• Underwriting approval by the insurance carrier
• Additional documentation and requirements
• Changes in circumstances between quote and policy issuance

A quote is not a guarantee of coverage or a specific premium. Final coverage terms and pricing are determined by the insurance carrier and documented in your policy.

Accuracy of Information

You are responsible for providing accurate, complete, and truthful information when requesting quotes or applying for coverage. Inaccurate or incomplete information may result in:

• Incorrect quotes
• Policy cancellation or rescission
• Denial of claims
• Legal consequences

No Guarantee of Coverage

We cannot guarantee that you will be approved for insurance coverage. Insurance carriers have their own underwriting guidelines and may decline to offer coverage based on their assessment of risk.

Limitation of Liability

As an Insurance Agency

RMS Truck Insurance acts as an agent in arranging insurance coverage. We are not liable for:

• Coverage decisions made by insurance carriers
• Claim denials or payment delays by carriers
• Policy terms, conditions, or exclusions set by carriers
• Carrier insolvency or failure to perform

Information and Advice

Information provided on our website or by our staff is for general informational purposes only and does not constitute legal, financial, or professional advice.

While we strive to provide accurate information about insurance requirements and regulations, you should:

• Verify information with official sources
• Consult with legal counsel regarding compliance obligations
• Read and understand your insurance policy documents
• Seek professional advice for specific situations

Maximum Liability

To the fullest extent permitted by law, our total liability for any claims arising from our services shall not exceed the commission we received for the policy in question.

Disclaimer of Warranties

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties regarding accuracy, reliability, or completeness of information
• Warranties that the website will be error-free or uninterrupted

Your Responsibilities

Policy Review

You are responsible for:

• Reading and understanding your insurance policy
• Verifying that coverage meets your needs and legal requirements
• Understanding policy terms, limits, exclusions, and conditions
• Asking questions if anything is unclear

Premium Payment

You are responsible for timely payment of insurance premiums. Failure to pay may result in policy cancellation and loss of coverage.

Policy Changes

You must notify us promptly of any changes that may affect your coverage, including:

• Changes in vehicles or drivers
• Changes in operations or commodities hauled
• Changes in business structure or ownership
• Address changes
• Accidents or claims

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of RMS Truck Insurance or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, reproduce, or distribute website content for commercial purposes
• Modify or create derivative works from our content
• Use our trademarks, logos, or branding without written permission

Indemnification

You agree to indemnify, defend, and hold harmless RMS Truck Insurance, its owners, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of our website or services
• Your violation of these Terms
• Your violation of any laws or regulations
• Your provision of false or misleading information

Governing Law and Dispute Resolution

Governing Law

These Terms are governed by the laws of the State of Idaho, without regard to its conflict of law provisions.

Disputes

Any disputes arising from these Terms or our services shall be resolved through:

• Good faith negotiation between the parties
• If negotiation fails, mediation in Idaho
• If mediation fails, binding arbitration in Idaho under the rules of the American Arbitration Association

Class Action Waiver

To the extent permitted by law, you agree that any dispute will be resolved on an individual basis and not as part of a class action or representative proceeding.

Termination

We reserve the right to:

• Terminate or suspend your access to our website
• Refuse service to anyone for any reason
• Remove or modify website content at any time

These actions may be taken without notice if we believe you have violated these Terms or engaged in fraudulent, illegal, or harmful conduct.

Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with a new effective date. Material changes will be communicated to customers with active policies via email.

Your continued use of our website and services after changes are posted constitutes acceptance of the updated Terms.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and any insurance policy documents, constitute the entire agreement between you and RMS Truck Insurance regarding use of our website and services.

Contact Us

If you have questions about these Terms of Service, please contact us:

These terms of service are a draft for attorney review and should not be considered final until approved by legal counsel.