TRAVEL RETAILER DISCLOSURE

Most US states have adopted insurance rules and regulations which regulate the activities of retailers offering travel insurance programs. A registered Travel Retailer is authorized to operate under, and on behalf of, another entity with a Limited Lines Travel Insurance Producer (“LLTIP”) license, such as InsureStays, if the Travel Retailer agrees to adhere to basic guidelines and consumer protections.

In states that have not adopted an authorization process which permits Travel Retailers to operate under an LLTIP entity, Travel Retailers must possess the appropriate license(s) in order to transact travel insurance business. If they do not, they may only refer interested parties to appropriately licensed agents.

You should know the travel protection plans offered and disseminated by authorized Travel Retailers of InsureStays or sold by InsureStays provide insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies as well as any other insurance protection plans you may have coverage under. If you have any questions about your current coverage, call your insurer or insurance agent or broker.

Purchasing travel insurance is not required in order to purchase any other product or service offered by the Travel Retailer. As an authorized Travel Retailer of InsureStays, no employee of the Travel Retailer is qualified or authorized to:

(a) Provide technical explanations, representations, or interpretations, or answer technical questions about, coverage provisions, benefits, exclusions, terminology and/or conditions of any of the insurance policies sold by InsureStays;

(b) Evaluate the adequacy of the prospective insured’s or travel/rental guest’s current existing insurance coverage;

(c) Otherwise advertise, hold out or present themselves in such a way as to be perceived as a fully licensed agent or as an insurance expert.

Travel Retailers are not licensed insurance producers, agents, or insurance experts. Travel Retailers may only provide general information such as a description of the coverage provided and the price. Travel Retailers can also process your application and collect your premiums. Travel Retailers cannot answer specific questions about your policy. Any questions you have about your policy, including coverage, benefits, exclusions, terminology, and/or conditions should be directed to InsureStays and/or to the insurance carrier underwriting the policy.

Sandhills Insurance Group, LLC, dba InsureStays, NPN 16269113, (“InsureStays”) is a licensed insurance agency/producer headquartered at 241 Willbrook Blvd., Suite A, Pawleys Island, South Carolina, 29585, holding resident and non-resident insurance agency licenses throughout the United States. InsureStays does business as InsureStays Insurance Agency, LLC in California, InsureStays Agency in Florida, and in New York, licensed under the approved name Sandhills Insurance Agency LLC. InsureStays can be contacted by E-mail at stayinfo@insurestays.com or by phone: (843) 286-5144. You may also Fax: (843) 508-8591 or contact by Mailing Address: P.O. Box 4443, Pawleys Island, SC 29585

For US residents,

Questions you may have as to your current existing insurance coverage, or the adequacy of such coverage, should be directed to InsureStays or other licensed insurance producer/agent/agency.

Travel Retailers may receive related compensation for various items, including marketing, technology and/or referrals in connection with travel insurance products displayed in certain jurisdictions.

NOTICE TO ALABAMA and ARIZONA RESIDENTS

1. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker.

2. Purchasing travel insurance is not required in order to purchase any other product or service offered by the Travel Retailer. If not individually licensed, the Travel Retailer’s employee is not qualified or authorized to: (a) answer technical questions about the benefits, exclusions, and conditions of any of the insurance offered by the Travel Retailer; (b) evaluate the adequacy of the prospective insured’s existing insurance coverage

NOTICE TO CALIFORNIA RESIDENTS

  1. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker.
  1. Purchasing travel insurance is not required in order to purchase any other product or service offered by the Travel Retailer.
  2. If not individually licensed, that the Travel Retailer's employee is not qualified or authorized to:

(i) Answer technical questions about the benefits, exclusions, and conditions of any of the insurance offered by the Travel Retailer.

(ii) Evaluate the adequacy of the prospective insured's existing insurance coverage.

  1. California offers a toll-free consumer hotline at 1-800-927-4357.

NOTICE TO DELAWARE RESIDENTS

The coverage offered may duplicate existing coverage you have. You may wish to compare the terms of this policy with your existing life, health, home, and automobile policies, and other insurance policies or sources of protection.

NOTICE TO TEXAS RESIDENTS

  1. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this insurance coverage with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker.
  2. Purchasing travel insurance is not required in order to purchase any other product or service offered by the Travel Retailer. If not individually licensed, the Travel Retailer’s employee is not qualified or authorized to:

(a) evaluate or interpret technical words or phrases used in a travel insurance policy or benefits under or terms of the policy;

(b) Evaluate or provide advice related to a traveler’s existing insurance coverage; or (c) be considered as a license holder or an insurance expert.

NOTICE TO NEW YORK RESIDENTS

The licensed producer represents the insurer for purposes of the sale. Compensation paid to the producer may depend on the policy selected, or the producer's expenses, volume of business, or profitability. The purchaser may request and obtain information about the producer's compensation, except as otherwise provided by law.

NOTICE TO MARYLAND RESIDENTS

The purchase of travel insurance would make the travel insurance coverage primary to any other duplicate or similar coverage. The Commissioner may be contacted to file a complaint at: Maryland Insurance Administration, ATTN: Consumer Complaint Investigation Property/Casualty, 200 St. Paul Place, Suite 2700, Baltimore, MD 21202.

 

NOTICE REGARDING LICENSING & PREMIUM TRUST ACCOUNTS: 
Insurance-Regulatory authorities generally require (1) that individuals and entities selling insurance are appropriately licensed/ authorized, and (2) that individuals and entities taking, receiving, holding, or otherwise collecting premium or coverage payments, made by insured’s or coverage-holders to insurers, providers and/or their designated agents, hold those monies in a designated trust account on behalf of the insured/coverage-holders; and to transmit all monies due to insurers, providers and/or their designated agents immediately upon being invoiced by the insurer, provider or designated agent for timely payment.

InsureStays expects that you learn, understand and comply with your national, state and local licensing, tax and premium trust account laws and regulations.  Neither InsureStays, RentalGuardian.com, nor their platform affiliates provide legal, tax or accounting advice; InsureStays retailers and RentalGuardian.com platform account holders assume full responsibility and liability for compliance or non-compliance with laws and regulations. Property managers, property owners, licensees, and related vendors with specific questions regarding taxation, premium-trust, accounting, or legal advice should consult qualified, specialized counsel for specific guidance.

NOTICE REGARDING RIGHT TO SUSPEND ACCOUNT FOR NON-COMPLIANCE:

Both InsureStays and RentalGuardian.com reserve the right to suspend or de-activate any previously-activated Retailing Account in the event (1) that the underwriter or carrier determines that the Account is ineligible for coverage and/or participation in the program, or (2) that evidence of appropriate licensing and authorization is not provided to InsureStays in a timely manner; (3) that any retailing Account-holder is found to be in violation of known insurance regulations; (4) that anyone employed by and/or managed by the retailing account holder are in violation of Section 1033 of Title 18 of the United States Code* which prohibits ineligible persons from participating in the business of insurance.

 

UPDATE OF: March 9, 20122 InsureStays Agency is a licensed insurance agency.  If you have any questions, please don't hesitate to contact us.

InsureStays/RentalGuardian.com Fraud Warnings -May 2018

Example Notice to Traveler re Booking Cancellation