Terms of Service

Effective Date: 9/10/26

Welcome to wellstoneins.com (the "Site"), operated by Wellstone Insurance, a DBA of ZTA Insurance, LLC ("Wellstone," "we," "us," or "our"). By accessing or using this Site, you agree to these Terms of Service ("Terms"). If you do not agree, please do not use the Site.

1. About Wellstone Insurance

Wellstone Insurance is a licensed independent insurance agency headquartered in Bloomfield, Connecticut, licensed to sell insurance in California (License #0L43289), Colorado, Connecticut, Florida, Georgia, Illinois, Massachusetts, Maryland, Michigan, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Texas, Vermont, and Washington.

2. Informational Purposes Only

The content on this Site — including any descriptions of coverage, pricing information, or quotes — is provided for general informational purposes only. Nothing on this Site constitutes a binding offer of insurance coverage, a contract, or a guarantee of coverage or pricing. All coverage is subject to the terms, conditions, and exclusions of the applicable insurance policy, underwriting approval, and acceptance by the issuing insurance carrier.

3. No Insurance Advice

Information on this Site is general in nature and is not a substitute for speaking directly with a licensed Wellstone agent about your specific needs. Please contact us directly to discuss your coverage options.

4. Using Our Site

When you use our Contact form or newsletter sign-up, you agree to provide accurate and current information. You agree not to use the Site for any unlawful purpose, or in any way that could damage, disable, or impair the Site or interfere with anyone else's use of it.

5. Text Messaging

By providing your phone number, you consent to receive text messages from us regarding your inquiry or policy, in accordance with our Privacy Policy. Message and data rates may apply. Reply STOP to opt out at any time.

6. Intellectual Property

All content on this Site — including text, graphics, logos, and images — is the property of Wellstone Insurance or its licensors and is protected by applicable intellectual property laws. You may not copy, reproduce, or distribute content from this Site without our prior written permission.

7. Third-Party Links

Our Site may contain links to third-party websites, such as our LinkedIn page. We are not responsible for the content, privacy practices, or terms of any third-party sites.

8. Disclaimer of Warranties

This Site is provided "as is" and "as available," without warranties of any kind, whether express or implied. We do not warrant that the Site will be uninterrupted, error-free, or completely secure.

9. Limitation of Liability

To the fullest extent permitted by law, Wellstone Insurance shall not be liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, this Site.

10. Governing Law

These Terms are governed by the laws of the State of Connecticut, without regard to its conflict-of-law principles. Any disputes arising from these Terms or your use of the Site will be resolved in the state or federal courts located in Connecticut.

11. Changes to These Terms

We may update these Terms from time to time. Continued use of the Site after any changes constitutes your acceptance of the updated Terms.

12. Contact Us

If you have questions about these Terms, please contact us:

Wellstone Insurance

800 Cottage Grove Road, Suite 101

Bloomfield, CT 06002

Phone: (860) 656-6936

Email: info@wellstoneins.com