Terms of Service
Effective Date: August 28, 2026
By accessing or using the Runnels Insurance Group website, you agree to these Terms of Service. If you do not agree with these terms, please discontinue use of the website.
About Runnels Insurance Group
Runnels Insurance Group is an independent insurance agency and an authorized agency for Florida Blue. Insurance products are offered through the carriers and programs for which our agents are properly licensed and appointed.
Website Information
The information provided on this website is for general educational and informational purposes. It is not an insurance policy, contract, guarantee of eligibility, guarantee of benefits, legal advice, tax advice, or medical advice.
Plan availability, premiums, subsidies, provider networks, benefits, limitations, exclusions, and eligibility requirements may vary. Official insurance carrier, Marketplace, Medicare, and policy documents control if they conflict with information presented on this website.
No Coverage Is Bound Through This Website
Submitting a website form, requesting a quote, scheduling an appointment, or speaking with an agent does not create or bind insurance coverage.
Coverage becomes effective only after all required application and enrollment steps have been completed and the applicable insurance carrier confirms approval and the effective date.
Quotes and Applications
Insurance quotes are estimates based on the information available when prepared. Rates, eligibility, benefits, and coverage may change following carrier review, Marketplace determinations, underwriting where permitted, or changes in applicable laws and plan availability.
You are responsible for providing complete and accurate information and reviewing application and plan documents before submission or enrollment.
Medicare and Government Programs
Runnels Insurance Group is not connected with or endorsed by the United States government, the federal Medicare program, HealthCare.gov, or any state or federal agency.
We may not represent every Medicare organization or plan available in your area. Visit Medicare.gov or call 1-800-MEDICARE for information about all available Medicare options.
Calls, Text Messages, and Emails
If you submit a form and provide consent where required, you authorize Runnels Insurance Group to contact you regarding your inquiry, insurance quotes, coverage options, enrollment, appointments, policy service, and related information.
- Consent is not a condition of purchasing insurance.
- Message frequency varies.
- Message and data rates may apply.
- Reply STOP to opt out of text messages.
- Reply HELP for assistance.
Mobile information, SMS opt-in data, and text-message consent will not be shared with third parties or affiliates for their own marketing or promotional purposes.
Permitted Use
You agree to use this website only for lawful purposes. You may not submit false information, impersonate another person, attempt to gain unauthorized access, introduce harmful software, interfere with website operation, or use website content without authorization.
Intellectual Property
Unless otherwise stated, the original text, graphics, photographs, design, and other website content are owned by or licensed to Runnels Insurance Group and are protected by applicable intellectual-property laws.
Florida Blue, Blue Cross and Blue Shield, insurance carrier names, logos, and trademarks belong to their respective owners and are used only as authorized or for identification.
Third-Party Websites
This website may link to insurance carriers, Florida Blue, HealthCare.gov, Medicare.gov, scheduling platforms, provider directories, and other third-party services. Runnels Insurance Group does not control or guarantee their content, availability, accessibility, security, or privacy practices.
Disclaimer and Limitation of Liability
This website and its content are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Runnels Insurance Group makes no warranties regarding the accuracy, completeness, availability, or suitability of website content.
Runnels Insurance Group will not be liable for indirect, incidental, special, or consequential damages arising from your use of or inability to use the website. Nothing in these terms limits rights or liability that cannot legally be limited.
Governing Law
These Terms of Service are governed by the laws of the State of Florida. Any legal proceeding relating to these terms will be handled in the appropriate state or federal court serving Citrus County, Florida, unless applicable law requires otherwise.
Changes to These Terms
We may update these Terms of Service as our website, services, or legal requirements change. Updated terms will be posted on this page with a revised effective date.
Contact Us
Runnels Insurance Group
103 N. Osceola Avenue
Inverness, FL 34450
Phone: 352-341-0015
Email: j.runnels@runnelsinsurancegroup.com