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.

Affiliate Relationships

LumenaIQ participates in affiliate programs with insurance carriers. When you click a link and complete an action (such as requesting a quote), we may earn a commission. This does not affect the price you pay or our editorial independence.

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.