Terms of service
Last updated November 2026
This is a draft while our lawyers review it. It describes how we work today. The final version will be published here before we take on agencies.
These terms apply to insurance agencies that use CertsDesk, a service run by Xassure. A signed agreement with your agency takes priority over anything here.
What we do
We prepare certificates of insurance and evidence of insurance from your requests, check them against the coverage your agency gives us access to, and deliver them the way your agency sets up. We follow the instructions your agency gives us in its setup.
What stays with your agency
- Your agency remains the licensed producer and is responsible for the certificates and evidence issued in its name.
- We never change coverage, and a certificate can't change coverage. Requests asking for coverage the policy doesn't have come back to your agency.
- Special wording, restricted wording and anything we're unsure about is confirmed with your agency before it's issued.
Your responsibilities
- Give us accurate setup instructions and keep them up to date.
- Create a separate management system login for CertsDesk, and remove it when you stop using us.
- Make sure the people you add to your portal and approved senders are entitled to send requests for your agency.
- Answer our questions so requests can be completed on time. Turnaround times pause while we wait for an answer.
Fixing mistakes
If something we prepared is wrong, tell us and we'll fix it at no charge. Every fix is logged.
Plans and billing
You're billed monthly for your plan and any credits used beyond it, as shown in your portal under Plan and usage. You can change or cancel your plan; changes apply from the next billing period.
Confidentiality
We keep your agency's and your clients' information confidential and use it only to provide the service. Our privacy policy explains how we handle it.
Ending the service
Either side can end the service with notice as set out in your agreement. When it ends, we stop accessing your management system and delete your information when you ask us to, unless the law requires us to keep it.
Contact
Questions about these terms: hello@certsdesk.net.