What you can expect, and what we expect back.

These terms are between you and Brella Partners LLC, a Texas limited liability company based in Houston. They cover brellapartners.com, the onboarding wizard, Brella OS, and the policyholder portal — together, "the service".

By using the service you agree to these terms. If you are agreeing on behalf of a company, you are confirming you have the authority to bind that company.

Brella is a licensed insurance broker. We act as your representative in the insurance market: we learn your business, prepare a submission, approach carriers, negotiate terms, and service the program afterwards.

• We are not an insurance company. We do not issue policies.

• We do not underwrite. The carrier decides whether to offer terms and at what price.

• We do not decide claims and we do not pay them. The carrier does. We advocate for you in the process — that is a real service, and it is not the same as paying the claim.

• We are not a law firm, an accountancy or a financial adviser, and nothing we publish is legal, tax or investment advice.

This is the most important clause on the page, so it is not buried at the bottom in capital letters.

• Submitting a form is a request. It is not an application to a carrier, and it is not coverage.

• A quote is an offer subject to underwriting, and it can be withdrawn or changed by the carrier before it is bound.

• Coverage begins only when a carrier binds it in writing, and only on the terms, limits, exclusions and dates set out in the policy the carrier issues.

• Nothing on this website, in an email from us, or displayed in Brella OS binds, alters, extends or cancels coverage.

• If you need coverage in force by a particular date and time, say so to a person and get written confirmation back. Do not rely on a screen.

Coverage explainers, industry pages, blog posts and FAQs describe how these products generally work. They are written to be useful, not to be a recommendation for your specific business, and policy wordings differ between carriers in ways that matter.

What actually applies to you is what your policy says. Where this site and your policy disagree, your policy is right and this site is a summary that did not fit your case.

• Give us accurate account information and keep it current.

• Keep your credentials to yourself. You are responsible for what happens under your login.

• Tell us immediately at hello@brellapartners.com if you think someone else has access.

• Roles are real permissions, not labels. An organisation Owner can add and remove people, and anyone they add can see that organisation’s data according to the role they are given. Choose who you make an Owner accordingly.

• We may suspend an account that is being used to break these terms or the law.

Your data stays yours. We do not claim ownership of your submissions, documents or records.

You give us permission to do the things brokering actually requires: to store your information, to render it into applications, certificates and other insurance documents, to process it in order to run the features you use, and to transmit it to insurance markets on your behalf. That permission exists to deliver the service and for no other purpose, and it ends when your relationship with us does, except where we must retain records.

You confirm you have the right to give us what you upload — including any personal information about your employees, tenants or customers contained in loss runs, schedules and payroll records.

On our side, we will be equally straight about the limits of what we show you:

• Property details we pre-fill come from third-party and public data sources. They are a starting point and they are sometimes wrong. Check them before you submit — you are attesting to them, not the data vendor.

• Some risk figures are estimates rather than measurements. Where a figure is estimated, the record says so, and you should treat it as an indication rather than a fact.

• Certificates generated by Brella are Brella-branded documents. They are not ACORD forms, they say so on their face, and they are not a substitute for one where a counterparty requires an ACORD.

• Licensing and state-requirement information in the platform is unverified reference data, not legal advice. Where a requirement is unknown we show it as unknown rather than inferring it — do not read an absence as a "no".

Parts of the service use AI to draft and to read. The rule throughout is that AI drafts and a human decides.

• AI output is a draft. It must be reviewed by a person before anyone relies on it, and it may be wrong.

• AI never transmits anything to a carrier, and never binds, changes or cancels coverage.

• AI does not make decisions about your policy, your claim or your price.

• These features may be unavailable, rate-limited or removed. When AI is unavailable, the feature turns off and tells you — it does not substitute a guess.

Brella OS shows you the state of your program as recorded by the people working it. It is a very good record, and it is still a record.

• When a mid-term policy change shows as "submitted", it means a person recorded that they sent it to the market. It does not mean a carrier has received, agreed or endorsed anything.

• A change is only effective when the carrier issues an endorsement. Until then, your coverage is what your existing policy says it is.

• If Brella OS and the carrier’s own records ever disagree, the carrier’s records and the policy document control.

We are typically paid a commission by the insurance carrier, calculated as a percentage of the premium — which means our compensation is already inside the premium you are quoted. On some placements a broker fee or a fee-for-service arrangement applies instead of, or alongside, commission.

We will tell you which applies to your placement before you are bound. If you ever want to know what we make on your account, ask and we will tell you.

Premium itself is owed to the carrier or the premium finance company on their terms. Non-payment can result in cancellation by the carrier, and that is a decision we cannot overrule.

The short version: do not attack the service, and do not go looking at data that is not yours.

• No attempting to access another organisation’s or another customer’s data, by any means.

• No probing, scanning or testing the security of the service without our written permission.

• No automated scraping, bulk downloading or enumeration of records or reference codes.

• No uploading malware, or content you do not have the right to upload.

• No reverse engineering, and no reselling or sublicensing access to the platform.

• No using the service to do anything unlawful, including insurance fraud.

We work hard to keep the service up and we publish its live health at brellapartners.com/status, including the checks that would reveal a silent failure. We do not promise uninterrupted or error-free service, and we may change, suspend or retire features.

The service also depends on the providers listed in our Privacy Policy. When one of them has an outage, we have an outage.

The service, its software, design, and the Brella name and marks belong to us. These terms do not transfer any of that to you; you get permission to use the service, nothing more. Your data, and any documents you upload, remain yours.

Names of universities, employers, carriers or other organisations that appear on this site are used to describe factual relationships or background. They are the property of their owners and their appearance does not imply endorsement, sponsorship or partnership.

You can stop using the service at any time and ask us to close your account. We may suspend or end access if these terms are breached, if an account is used unlawfully, or if amounts owed to us go unpaid.

After an account closes we retain what insurance recordkeeping obligations require, as described in the Privacy Policy, and delete what we can.

Except where the law says otherwise, the service is provided as it is and as it is available, without warranties of any kind, including implied warranties of merchantability, fitness for a particular purpose and non-infringement.

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue or data, arising from your use of the service.

If something has gone wrong, tell us first at hello@brellapartners.com — most problems are faster to fix directly, and we would rather hear it than not.

You also have the right to raise a complaint about a licensed insurance agent with the Texas Department of Insurance at tdi.texas.gov. Telling you that is not a formality; it is a right you have and we would rather you knew about it.

We may update these terms. When we do, we change the effective date at the top, and for material changes we notify account holders by email. Continuing to use the service after a change means you accept the updated terms.

These terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. The state and federal courts located in Harris County, Texas have exclusive jurisdiction over any dispute, and both of us consent to that venue.

Brella Partners LLC, Houston, Texas. Questions about these terms go to hello@brellapartners.com.