Effective Date: July 14, 2026
Welcome to the website of Lilac Insurance Group, LLC (“Lilac Insurance Group,” “we,” “us,” or “our”), located at lilacinsure.com (the “Site”). By accessing or using this Site, you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree with these Terms, please do not use the Site.
1. About Us
Lilac Insurance Group, LLC is an independent insurance agency located at 5522 N Wall St., Spokane, WA 99205. We are licensed to sell insurance products in Washington, Oregon, Idaho, Montana, and Arizona. The products and services described on this Site are available only in states where we and the insurance carriers we represent are licensed and authorized to do business. Nothing on this Site constitutes an offer to sell insurance in any jurisdiction where we are not licensed.
2. No Coverage Bound Through This Site
Insurance coverage cannot be bound, changed, or cancelled through this Site, by email, by text message, or by voicemail. Submitting a quote request, contact form, policy change request, or any other communication through this Site does not create, modify, or terminate insurance coverage. No coverage is in effect until you receive written confirmation from a licensed agent of Lilac Insurance Group or from the insurance carrier. If you need to report a claim or make an urgent policy change, please call our office at (509) 747-2531 during business hours or contact your insurance carrier directly.
3. Quotes and Rate Information
Any premium quotes, rate comparisons, or estimated savings displayed on this Site or provided in response to a quote request are estimates only and are not a contract, binder, or offer of insurance. Actual premiums and coverage terms are determined by the insurance carrier based on its underwriting guidelines and the information you provide. Rate comparisons and savings figures reflect the experience of certain customers and are not a guarantee of the rates or savings you may receive. In the event of any conflict between information on this Site and the terms of an insurance policy, the policy language controls.
4. Informational Purposes Only
The content on this Site, including blog posts, articles, coverage descriptions, and FAQs, is provided for general informational purposes only and does not constitute legal, financial, tax, or professional insurance advice. Coverage descriptions are summaries only; read your policy for complete terms, conditions, and exclusions. You should consult a licensed agent regarding your specific circumstances before making insurance decisions.
5. Accuracy of Information You Provide
When you submit information through our quote forms, contact forms, policy review forms, referral forms, or any other feature of the Site, you agree to provide information that is true, accurate, and complete. Providing inaccurate or incomplete information may affect the accuracy of quotes, the validity of coverage, and the handling of claims. Misrepresentation of material facts on an insurance application may result in denial of claims or rescission of coverage by the carrier.
6. SMS/Text Messaging Terms
Lilac Insurance Group offers text messaging to communicate with clients and prospective clients about quotes, policy service, appointment reminders, account notifications, and customer care. By providing your mobile phone number and opting in to receive text messages from us, you consent to receive such messages at the number provided. Consent to receive text messages is not a condition of purchasing any product or service.
- No unsolicited marketing: We will not send you marketing or promotional text messages unless you have first given us your express permission to do so. Text messages related to servicing an existing quote request, application, or policy (such as follow-up on a request you submitted, appointment reminders, or claims/account notifications) are not considered marketing and may be sent as part of servicing your request or policy.
- No sale of your information: We do not sell, rent, or trade your mobile phone number or other personal information collected through text messaging to third parties for their marketing purposes. Text messaging originator opt-in data and consent will not be shared with any third parties, including affiliates, for purposes unrelated to fulfilling the customer’s request. We use your information solely to place, service, and support your insurance policy and to communicate with you about your insurance needs, as described in our Privacy Policy.
- Cancellation: You can cancel the SMS service at any time. Simply text STOP to opt out. After you send STOP, we will send you a single SMS message to confirm that you have been unsubscribed, and you will no longer receive SMS messages from us. If you want to join again, sign up as you did the first time or text START, and we will resume sending SMS messages to you.
- Help: If you are experiencing issues with the messaging program, reply with the keyword HELP for more assistance, or contact us directly at service@lilacinsure.com or (509) 747-2531.
- Carrier liability: Carriers are not liable for delayed or undelivered messages.
- Message and data rates: As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
- Privacy: If you have any questions regarding privacy, please read our Privacy Policy.
7. Client Portal and Third-Party Services
This Site contains links to third-party websites and services, including our client login portal, online scheduling tools, insurance carrier websites, and social media pages. These services are operated by third parties, and your use of them is governed by their own terms and privacy policies. We do not control and are not responsible for the content, availability, or practices of third-party websites, and a link does not imply our endorsement.
8. Reviews, Referrals, and User Submissions
If you submit a review, testimonial, referral, or other content to us through the Site, you represent that the content is accurate, that you have the right to submit it, and that it does not violate the rights of any third party. You grant Lilac Insurance Group a non-exclusive, royalty-free, perpetual license to use, reproduce, and display such content in connection with our business, including on this Site and in marketing materials. We may decline to publish or may remove any submitted content at our discretion.
9. Intellectual Property
All content on this Site, including text, graphics, logos, images, and site design, is the property of Lilac Insurance Group, LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may view, download, and print content from the Site for your personal, non-commercial use. You may not otherwise reproduce, distribute, modify, or create derivative works from Site content without our prior written permission.
10. Prohibited Uses
You agree not to use the Site in any way that violates applicable law; to submit false, fraudulent, or misleading information; to attempt to gain unauthorized access to any portion of the Site or related systems; to interfere with the Site’s operation or security; to scrape, harvest, or collect information about other users; or to transmit viruses, malware, or other harmful code.
11. Disclaimer of Warranties
THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER 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 SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT INFORMATION ON THE SITE IS COMPLETE, ACCURATE, OR CURRENT.
12. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, LILAC INSURANCE GROUP, LLC AND ITS MEMBERS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SITE. NOTHING IN THESE TERMS LIMITS OR MODIFIES THE TERMS OF ANY INSURANCE POLICY ISSUED BY AN INSURANCE CARRIER, AND NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.
13. Indemnification
You agree to indemnify and hold harmless Lilac Insurance Group, LLC and its members, officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of your violation of these Terms, your misuse of the Site, or your violation of any law or the rights of a third party.
14. Governing Law
These Terms are governed by the laws of the State of Washington, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms or your use of the Site shall be brought exclusively in the state or federal courts located in Spokane County, Washington, and you consent to the jurisdiction of those courts.
15. Changes to These Terms
We may update these Terms from time to time. Changes are effective when posted to this page, and the “Effective Date” above will be updated accordingly. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
16. Contact Us
If you have questions about these Terms, please contact us:
Lilac Insurance Group, LLC
5522 N Wall St.
Spokane, WA 99205
Phone: (509) 747-2531
Email: service@lilacinsure.com