Terms of Service

Last updated: April 2026

Acceptance of Terms

By accessing LumenaIQ, you agree to these terms. If you do not agree, please do not use this site.

Content and Information

LumenaIQ provides general information about commercial insurance for educational purposes. Our content does not constitute insurance advice, legal advice, or professional consultation. Always consult a licensed insurance professional for decisions specific to your business.

Commercial Relationships

LumenaIQ has no affiliate or commercial relationships with insurance carriers. We sell nothing, earn no commission, and accept no advertising or paid placement. See our disclosures for detail.

Limitation of Liability

LumenaIQ is not liable for any decisions made based on content on this site. Insurance coverage decisions should be made with the guidance of licensed professionals.