Terms of Service

1. Agreement to Terms

By accessing or using the website compninjas.com and related services operated by Bright Coast Insurance Inc. (DBA Comp Ninjas) ("Comp Ninjas," "we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

We are a licensed insurance agency (FL License L132181) specializing in workers' compensation insurance through a Professional Employer Organization (PEO) structure.

2. Description of Services

Comp Ninjas provides:

• Workers' compensation insurance quotes and estimates
• PEO-backed workers' comp coverage placement
• Certificate of insurance (COI) issuance
• Pay-as-you-go workers' comp programs
• Insurance broker partner programs

All quotes provided on this website are pre-underwriting estimates only. Final premiums are subject to formal underwriting review, loss history, OSHA compliance records, experience modification factor (EMR/MOD), payroll verification, and carrier approval. No quote constitutes a binding insurance contract.

3. SMS Messaging Program Terms

Consent is not required. You are not required to provide SMS consent as a condition of receiving a quote, purchasing coverage, or accessing any of our services. You may request a quote or purchase coverage without opting into SMS messages.

For our complete data practices, see our Privacy Policy. Mobile opt-in data and consent will not be shared with any third parties or affiliates for marketing or promotional purposes.

4. Quote Disclaimer

All workers' compensation estimates provided through this website are based on 2024–2025 NCCI Florida rates and are for informational purposes only. Actual premiums may vary significantly based on:

• Experience Modification Rate (EMR/MOD)
• Payroll audit results
• Loss history and prior claims experience
• OSHA compliance records
• Carrier underwriting decisions
• State-specific surcharges or credits

Quotes do not constitute a binding insurance contract. Coverage is not effective until a policy is formally issued by a licensed carrier.

5. User Responsibilities

By using our services, you agree to:

• Provide accurate and complete information in all forms and applications
• Not use our website for any unlawful purpose
• Not attempt to circumvent any security or bot-protection measures
• Not submit false or misleading information to obtain a quote or coverage

6. Intellectual Property

All content on compninjas.com, including text, graphics, logos, and software, is the property of Bright Coast Insurance Inc. (DBA Comp Ninjas) or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

7. Limitation of Liability

To the maximum extent permitted by law, Comp Ninjas shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or reliance on any quote or estimate provided. Our total liability shall not exceed the amount paid by you for our services in the 12 months preceding the claim.

8. Governing Law

These Terms of Service are governed by the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Lee County, Florida.

9. Changes to These Terms

We reserve the right to modify these Terms of Service at any time. We will notify you of material changes by posting the updated terms on this page with a new "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the updated terms.

10. Contact Us

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