Legal
Terms of Use
Last updated: 16 July 2026
These terms govern your use of this website. By using the site, you agree to them. If you do not agree, please do not use the site.
Who we are
This website is operated by Capstan Insurance Group, LLC (“Capstan,” “we,” “us”), an independent, partner-owned insurance agency licensed in the State of Florida (Florida Agency License #L132362), with offices at 242 S Washington Blvd, Sarasota, FL 34236.
This site is information, not advice
Everything on this site is provided for general informational and educational purposes only. It is not tax, legal, accounting, or investment advice, and it is not a recommendation that any particular product is right for you. Your situation is specific to you. Please consult your own qualified tax and legal advisors before acting on anything you read here.
Using this site, reading it, or sending us a message does not create a client relationship and does not put any coverage in place. Coverage exists only when a carrier issues a policy and that policy takes effect under its own terms.
No offer where we are not licensed
Nothing on this site is an offer to sell, or a solicitation to buy, any insurance product in any state where Capstan Insurance Group, LLC is not licensed. Product availability, features, riders, benefits, and rates vary by state, are subject to underwriting approval, and are governed solely by the terms of the issued policy.
Calculators, estimates, and examples
Any calculators, illustrations, or examples on this site are hypothetical and are provided for discussion purposes only. They do not reflect any specific product, they are not an application, they are not a quote, and they are not a guarantee or projection of future results. A real number comes from a carrier after underwriting, not from a web page.
Accuracy and availability
We work to keep this site accurate and current, but we do not warrant that it is free of errors or omissions, and content may change without notice. We do not guarantee that the site will always be available or uninterrupted. To the fullest extent permitted by law, the site is provided “as is,” without warranties of any kind, and Capstan is not liable for any loss arising from your reliance on it.
Links to other sites
This site may link to websites we do not control, including those of insurance carriers. We provide those links for convenience. We are not responsible for their content, their accuracy, or their privacy practices, and a link is not an endorsement. Once you leave this site, the other site’s terms and privacy policy apply.
Carrier names and marks
Carrier names and marks referenced on this site are the property of their respective owners and are shown for identification purposes only. Their inclusion does not imply endorsement of, or affiliation with, Capstan Insurance Group, LLC.
Our content
The text, design, graphics, and logos on this site belong to Capstan Insurance Group, LLC or are used with permission, and are protected by copyright and trademark law. You may read, print, and share pages for your own personal, non-commercial use. Please do not republish, resell, or reuse our content commercially without our written permission.
Certain lifestyle photographs are illustrative and do not depict actual clients. The historic capstan photograph (“Round the capstan,” c. 1900) is courtesy of the Museum of History and Industry and is in the public domain.
Using the site properly
Please do not use this site to break the law, to interfere with how it works, to gain access to parts of it you are not meant to reach, or to submit anything false, abusive, or harmful. Please also do not send us sensitive personal information, such as a Social Security number, through this site. Our Privacy Policy explains how we handle what you do send.
Your privacy
Our Privacy Policy explains what we collect through this site and who it goes to, and forms part of these terms.
Changes to these terms
If we change these terms we will update the date at the top of this page. Your continued use of the site means you accept the updated terms.
Governing law
These terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. Any dispute relating to this site will be brought in the state or federal courts located in Sarasota County, Florida.
Contact us
Capstan Insurance Group, LLC
242 S Washington Blvd, Sarasota, FL 34236
gala.s@capstanins.com
(941) 256-9114