Effective Date: 16, Aug 2026
Welcome to ATS Insurance Consultants, LLC (“ATS Insurance Consultants,” “ATS,” “we,” “us,” or “our”). These Terms & Conditions (“Terms”) govern your use of the ATS Insurance Consultants website, including https://atsinsuranceconsultants.com/ (the “Website”), and your use of the consulting, advisory, brokerage, and related services provided through the Website.
By accessing or using the Website or requesting services from ATS Insurance Consultants, you agree to these Terms. If you do not agree with these Terms, please do not use the Website or our services.
- About ATS Insurance Consultants
ATS Insurance Consultants, LLC is a New Mexico limited liability company providing insurance advisory and brokerage services.
ATS Insurance Consultants does not underwrite insurance policies and is not an insurance carrier or insurer of record. Insurance policies are issued by the applicable insurance company or carrier, subject to the carrier’s underwriting requirements, policy terms, conditions, exclusions, and applicable law.
- Our Services
ATS Insurance Consultants may provide insurance consulting, advisory, brokerage, policy comparison, insurance-related research, application assistance, and policy service support, as applicable.
The availability of a particular service, insurance product, carrier, or coverage option may depend on the client’s location, insurance needs, applicable licensing requirements, carrier eligibility, underwriting guidelines, and other factors.
We do not guarantee that a particular insurance policy, coverage, premium, carrier, or insurance product will be available.
- Insurance Coverage
Information provided by ATS Insurance Consultants is intended to assist clients in evaluating insurance options. It does not replace the actual insurance policy or contract.
Only the applicable insurance policy, declarations, endorsements, and other documents issued or approved by the insurance carrier determine the coverage provided.
Clients are responsible for reviewing their policy documents and notifying us of any questions or discrepancies.
Coverage is not considered bound, effective, amended, renewed, or cancelled unless confirmed in accordance with the applicable carrier’s procedures and applicable law.
- Quotes and Estimates
Any quote, premium indication, proposal, estimate, or comparison provided through the Website or by ATS Insurance Consultants is subject to change and may be subject to underwriting approval, eligibility requirements, documentation, inspection, verification, and carrier approval.
A quote does not constitute a guarantee that coverage will be issued at the quoted price.
- Client Information
You agree to provide accurate, current, and complete information when requesting our services.
You are responsible for reviewing information submitted on your behalf and promptly notifying ATS Insurance Consultants of any incorrect, incomplete, or changed information.
Providing inaccurate or incomplete information may affect the availability, cost, or validity of insurance coverage.
- Service Fees and Payments
Where applicable, ATS Insurance Consultants may charge a consulting, advisory, brokerage, or policy service fee.
Any applicable fee will be disclosed to the client before payment and will be based on the services being provided.
Unless specifically stated otherwise, service fees charged by ATS Insurance Consultants are separate from insurance premiums charged by an insurance carrier.
Payment of a service fee does not, by itself, guarantee that an insurance policy will be issued or that coverage will become effective.
- Third-Party Insurance Carriers
ATS Insurance Consultants may work with third-party insurance carriers, brokers, wholesalers, agencies, or other insurance professionals.
Those third parties have their own terms, underwriting requirements, privacy policies, and contractual obligations.
ATS Insurance Consultants is not responsible for the acts, omissions, underwriting decisions, rates, policy forms, claims decisions, or service decisions of third-party insurance carriers or other independent third parties.
- Website Use
You agree to use the Website only for lawful purposes.
You may not:
- Use the Website for fraudulent or unlawful purposes;
- Submit false or misleading information;
- Attempt to interfere with the Website’s operation or security;
- Access information or systems that you are not authorized to access;
- Copy or reproduce Website content without permission; or
- Use the Website in a manner that violates applicable law.
- Intellectual Property
The Website and its content, including text, graphics, logos, images, designs, and other materials, are owned by or licensed to ATS Insurance Consultants unless otherwise stated.
You may view and use the Website for personal or legitimate business purposes, but you may not reproduce, distribute, modify, or commercially exploit Website content without our prior written permission.
- Disclaimer
To the fullest extent permitted by applicable law, ATS Insurance Consultants makes no guarantee regarding the availability, price, suitability, or issuance of any insurance product or coverage.
Information on the Website is provided for general informational purposes and may not apply to every individual or situation.
- Limitation of Liability
To the fullest extent permitted by applicable law, ATS Insurance Consultants shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the Website or our services, except to the extent such limitation is prohibited by applicable law.
Nothing in these Terms is intended to waive or limit any rights or protections that cannot legally be waived or limited.
- Changes to These Terms
We may update these Terms from time to time. Updated Terms will be posted on this page with a revised Effective Date.
Your continued use of the Website after changes are posted constitutes acceptance of the updated Terms, to the extent permitted by applicable law.
- Governing Law
These Terms shall be governed by applicable laws of the State of New Mexico and applicable federal law, except where applicable law requires otherwise.
- Contact Us
If you have questions regarding these Terms or our services, please contact:
ATS Insurance Consultants, LLC
Email: info@atsinsuranceconsultants.com
Address: 1209 MOUNTAIN ROAD PL NE #12705 ALBUQUERQUE, NM, 87110, USA
Phone: +1 (575) 315 2629