Last updated: October 14, 2026
These Terms of Service ("Terms") govern your use of InsightCarrier ("we," "us," "our"), operated by InsightCarrier, including our website, carrier directory, lead lists, and subscription services (collectively, the "Service"). By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
The Service is for business use only by persons 18 years of age or older. By subscribing, you represent that you are at least 18 and are using the Service for legitimate business purposes.
InsightCarrier provides trucking insurance renewal lead data compiled from public Federal Motor Carrier Safety Administration (FMCSA) filings. We organize, rank, and present this public data to help insurance professionals identify carriers whose policies may be renewing.
Subject to these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for the internal business use of your insurance agency. Each subscription covers up to 3 users within a single agency. You may not share login credentials outside your agency.
Paid plans are billed monthly or annually in advance through our payment processor, Stripe. You authorize us to charge your selected payment method on a recurring basis until you cancel. Prices are listed on our pricing page and may change with 30 days notice; price changes apply to future billing periods only.
You may cancel at any time through the Stripe customer portal (link provided in your account emails) or by emailing support@insightcarrier.com. Cancellation takes effect at the end of the current billing period. You retain access until then. We do not prorate partial periods except as described in our Refund Policy.
Plan changes: Upgrades to a higher tier take effect immediately and you are charged the prorated difference for the remainder of the current billing period. Downgrades to a lower tier take effect at the end of the current billing period with no credit or refund for the unused portion. Switching from monthly to annual billing takes effect immediately; switching from annual to monthly takes effect at the end of the annual term.
You agree not to: (a) resell, redistribute, or republish our lead data outside your agency's own insurance sales activities; (b) scrape, crawl, or use automated tools to extract data beyond normal use; (c) share your account access outside your agency; (d) use the Service for any unlawful purpose.
Telemarketing compliance is your responsibility. Many phone numbers in FMCSA filings are wireless numbers. You must comply with the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, the National Do Not Call Registry, and all applicable state telemarketing laws before calling or texting any number obtained through the Service. This includes obtaining prior express consent where required and scrubbing numbers against the Do Not Call registry.
Our data is compiled from public FMCSA filings and refreshed daily. Renewal dates are estimates based on filing effective dates and standard 12-month policy terms; actual renewal dates may differ. While we work to keep data accurate, we do not guarantee completeness, timeliness, or accuracy. You should verify critical information independently before acting on it.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, error-free, or free of inaccuracies.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, InsightCarrier SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) $100.
You agree to indemnify, defend, and hold harmless InsightCarrier, its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any law, including but not limited to the TCPA, CAN-SPAM Act, or Do Not Call regulations, in connection with your outreach to carriers; or (d) your infringement of any third-party rights.
We may suspend or terminate your access immediately, without prior notice, if you breach these Terms, engage in unlawful telemarketing, share your account outside your agency, or file an unwarranted chargeback. Upon termination, your license ends and you must delete any downloaded data. Sections 8, 9, 10, and 13 survive termination.
Severability: If any provision is found unenforceable, the remaining provisions continue in full force.
Entire Agreement: These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and InsightCarrier regarding the Service.
Assignment: You may not assign these Terms without our written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.
Waiver: Failure to enforce any provision does not waive our right to enforce it later.
InsightCarrier
support@insightcarrier.com