Terms of Use


Last updated: April 2024



We have the right to cancel any orders after placed if there is a price change.  As we deal with dozens of publishers, sometimes the publishers do not notify us of the price change ahead of time.  We work hard to stay on top of price changes and keep our prices current on our website.


All sales are final.

We are unable to issue a refund for your purchase. Please confirm the items that you require prior to making your purchase.

We are unable to accept any returns on: 

  • Bonds
  • Insurance Policies


Quotes are valid for Thirty (30) days from the time they are given, EXCEPT when otherwise noted.  All items are subject to prior sale until a firm order is received.


Accounts are activated upon full processing of your credit application.  Sorry, we cannot open accounts for non-USA companies.  If you have a USA affiliate or have an office in the USA, exceptions may be made.


Purchase orders are gladly accepted for existing accounts and shipments are made according to the terms specified upon opening the account. We are unable to accept a purchase order without an existing account.

When paying by purchase order, the account number and PO number MUST be noted in the Order Instructions field during checkout. (If you do not note your existing account number, your order will be closed without processing.) We require a hard-copy PO to be submitted before your order is processed, either via email to info@insurancebyrob.com . Your order will not be processed until we receive the confirming PO. Please make sure to reference the Order ID on your cover page or in your subject line. Our terms are COD.  Shipping is prepaid and added or you may use your own freight account.

Account payments may be made by money order, cashier's check, credit cards, personal or company check.


For U.S. orders, we accept credit cards, Visa, MasterCard, Discover, American Express, or company checks.  All payments made by check will be held for 2 weeks or after the payment has cleared.

A credit card receipt/invoice will be included in each shipment.

We are unable to process credit card numbers sent via email, it is not a secured payment method. If we receive payment card information by email, the email will be deleted immediately without further processing.

If paying by credit card, your card will be charged at the time of purchase. 


InsuranceByRob updates its website on a frequent basis. We will do everything we can to honor our pricing, however if there is a current price change that has not yet been updated on our website we will send a e-mail price change notification prior to processing the order for confirmation.

We reserve the right to make changes without notice, and are not responsible for errors or omissions.