Legal

Terms of use & website disclaimer

These terms govern your use of maruinsurance.com. By using this website, you agree to them. Please read them alongside our privacy policy.

Last updated: September 2026

Information only — not a contract of insurance

The content on this website is provided for general information and does not constitute an insurance contract, a binder, or an offer of coverage. Nothing on this site binds coverage or guarantees that a policy will be issued. Coverage exists only when a carrier issues a policy and only as described in that policy’s terms, which govern.

Quotes and pricing

Any premiums, savings, or coverage descriptions shown are illustrative. Actual availability, eligibility, coverage, and price are determined by the insurance carrier through underwriting and may differ from anything shown here. Illustrative figures on this site are not a promise of the rate you will receive.

Licensing

Maru Insurance is a licensed independent insurance agency. Vadim Marusin holds resident licenses in Washington (WAOIC #1365574) and Florida (License #G363233), National Producer Number 22261820. We transact insurance only where properly licensed.

Third-party links

This site may link to third-party websites, including carriers and government resources. We do not control and are not responsible for the content or practices of those sites.

Intellectual property

The Maru Insurance name, logo, and the text and design of this site are owned by Maru Insurance and may not be copied or reused without permission.

Limitation of liability

This website is provided “as is.” To the fullest extent permitted by law, Maru Insurance is not liable for any loss arising from your use of, or reliance on, the general information on this site. For advice about your specific situation, contact us directly.

Governing law

These terms are governed by the laws of the State of Washington and, where applicable to Florida clients and transactions, the State of Florida, without regard to conflict-of-law rules.

Contact

Questions about these terms? Email [email protected].

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