Effective date: July 19, 2026. By accessing or using usaworkerscomp.com (the “Site”), operated by Provident Financial Group (“we,” “us”), you agree to these Terms & Conditions. If you do not agree, please do not use the Site.
Informational purposes only
Content on this Site — including descriptions of workers’ compensation coverage, state requirements, class codes, and cost information — is provided for general informational purposes only. It is not insurance, legal, or financial advice, and it is not a contract or an offer of coverage. Workers’ comp requirements and rates change frequently and vary by state and classification; always confirm current requirements with a licensed agent and the relevant state authority.
Quotes and coverage
Quote requests submitted through the Site are not applications for insurance and do not guarantee coverage or pricing. All quotes are estimates subject to carrier underwriting, eligibility, and approval. No coverage is bound, altered, or renewed unless and until confirmed in writing by an authorized representative of Provident Financial Group or the issuing carrier.
Use of the Site
You agree to use the Site only for lawful purposes and to provide accurate information in any form you submit. You may not use the Site in a way that disrupts its operation, attempts unauthorized access, or harvests content or data by automated means without our permission.
Intellectual property
The Site and its content are owned by Provident Financial Group or its licensors and are protected by applicable intellectual property laws. You may not reproduce or distribute Site content for commercial purposes without written permission.
Disclaimer of warranties
The Site is provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, completeness, or fitness for a particular purpose.
Limitation of liability
To the fullest extent permitted by law, Provident Financial Group will not be liable for indirect, incidental, consequential, or punitive damages arising from your use of the Site or reliance on its content.
Governing law
These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law principles.
Changes to these Terms
We may update these Terms from time to time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
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