Acceptance of Terms
Welcome to the website of Crestpoint Risk Partners (“Crestpoint,” “the Firm,” “we,” “us,” or “our”). By accessing, viewing, or interacting with our digital domain (cpriskpartners.com), submitting an advisory inquiry, or requesting an underwriting review, you acknowledge that you have read, understood, and agreed to be legally bound by these Terms and Conditions.
If you represent an enterprise, corporation, partnership, or commercial entity, you represent and warrant that you possess full corporate authority to bind that entity to these Terms. If you do not agree to these Terms, you must discontinue use of this site immediately.
Nature of Advisory & Insurance Brokerage Services
Crestpoint Risk Partners operates as an independent commercial insurance brokerage and risk advisory consultancy licensed across all 50 U.S. states. It is critical to understand the distinction between our advisory role and that of an insurance carrier:
Intermediary & Brokerage Representation
Crestpoint acts as your representative and strategic intermediary. We examine your operational exposures, design tailored risk architecture, and submit risk dossiers to admitted commercial carriers and wholesale surplus lines markets. Crestpoint does not act as an insurance company and does not underwrite risk on its own balance sheet.
Carrier Policy Dominance
All coverages, insuring agreements, conditions, deductibles, retention thresholds, sub-limits, endorsements, and policy exclusions are governed solely by the actual insurance contract issued by the underwriting insurer. Summaries provided on this website, in proposals, or via email are illustrative and subordinate to the executed policy form.
No Immediate Coverage Bound Online
Crucial Insurance Notice
Submitting an inquiry, contact form, preliminary risk audit request, or email through this website does NOT constitute a binder of insurance coverage, a policy amendment, or an assumption of liability by Crestpoint Risk Partners or any insurance carrier.
Coverage cannot and will not be bound, altered, or renewed until you have received formal, written confirmation (a signed binder or policy specification) explicitly stating the inception date and coverage terms from an authorized Crestpoint broker or underwriting partner.
Duty of Utmost Good Faith & Accurate Disclosure
Commercial insurance underwriting is established upon the principle of utmost good faith (uberrimae fidei). When engaging Crestpoint to market risk or structure coverage, the client represents and warrants that:
- All submitted operational figures, historical loss runs, payroll data, gross revenue, property values, and driver qualification logs are accurate, complete, and verifiable.
- No material facts, prior cancellations, regulatory investigations, or known incidents likely to give rise to future claims have been concealed or misrepresented.
- Any operational expansions, mergers, acquisitions, fleet changes, or significant operational pivots will be promptly reported to our advisory team.
Note: Inaccurate or incomplete disclosures can lead to carrier denial of claims, retroactive policy rescission, or cancellation under applicable state insurance laws.
Professional Disclaimers
The editorial publications, articles, risk insights, and whitepapers published on this site are presented solely for educational and informational purposes. They do not constitute formal legal advice, certified tax counseling, architectural engineering assessments, or formal underwriting guarantees.
Enterprise risk management requires individualized assessment. Clients should consult with their corporate legal counsel and certified public accountants regarding statutory tax obligations and contractual indemnification covenants.
Proprietary Frameworks & Copyright
All content, including trade dress, logos, brand emblems, custom risk frameworks, editorial commentaries, photography, graphic designs, and digital code featured on cpriskpartners.com are the exclusive property of Crestpoint Risk Partners and are protected under United States and international copyright and trademark laws.
No portion of this site or its proprietary methodologies may be copied, reproduced, reverse-engineered, or redistributed without prior written consent from Crestpoint Risk Partners.
Limitation of Liability
To the fullest extent permissible by applicable law, Crestpoint Risk Partners, its partners, officers, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from:
- Technical interruptions, site unavailability, or transmission delays outside our direct control.
- Carrier underwriting declination, rate revisions, insolvency, or coverage denials issued by an underlying insurer.
- Failure of the client to notify Crestpoint of claims within statutory or policy-mandated reporting timeframes.
Governing Law & Multi-State Compliance
Crestpoint Risk Partners is headquarted in Collierville, Tennessee, and maintains active licenses and surplus lines authority covering all 50 U.S. states. These Terms and Conditions shall be governed by and construed in accordance with the substantive laws of the State of Tennessee, without regard to conflict of laws principles.
Any legal dispute or claim arising out of these Terms or use of the site shall be resolved in the state or federal courts located in Shelby County, Tennessee, subject to mandatory state insurance department regulations governing insurance transactions.
Contact Information
Formal legal notices, policy inquiries, or requests regarding these Terms and Conditions should be directed to:
Crestpoint Risk Partners
Attn: Legal & Advisory Affairs
360 New Byhalia Rd, Collierville, TN 38017
Email: info@cpriskpartners.com
Phone: +1 (901) 902-1198