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Terms & Conditions

Last updated: July 29, 2026

On this page

  1. General Terms
  2. SMS / Text Messaging Program
  3. Disclaimers & Limitation of Liability
  4. Governing Law
  5. Changes to These Terms
  6. Contact Us

1. General Terms

These Terms & Conditions govern your use of the Apex Insurance Group ("Apex," "we," "us," "our") website and your interactions with us, including by phone, email, and text message. By using our website or contacting us, you agree to these terms. Apex Insurance Group is the brand name (DBA) under which these services are provided.

Nothing on this website constitutes a binding insurance quote, offer, or policy. Coverage, pricing, and eligibility are determined by the applicable insurance carrier and are subject to underwriting review.

2. SMS / Text Messaging Program

Apex Insurance Group offers an optional text messaging program for customers and prospective customers who opt in. By providing your mobile number and opting in (for example, through a website form, verbal consent, or reply keyword), you agree to receive text messages from Apex Insurance Group as described below.

ProgramApex Insurance Group SMS Communications
Message TypesQuote follow-ups, appointment reminders, policy and renewal notifications, billing reminders, customer service replies, and occasional promotional offers
Message FrequencyMessage frequency varies based on your interactions with us (for example, an active quote request or upcoming renewal). You can expect up to 4 messages per month on average.
CostMessage and data rates may apply.
HelpText HELP to any message for assistance, or contact us at info@apexinsgrp.com or 208-956-0524.
Opt-OutText STOP at any time to cancel. You'll receive one final message confirming you've been unsubscribed, and no further messages will be sent unless you opt back in.
CarriersCarriers are not liable for delayed or undelivered messages.
Consent to receive text messages is not a condition of purchasing any insurance policy or service from Apex Insurance Group. Text messaging opt-in data and consent will not be shared with any third parties.

How to Opt In

You may opt in to text messages by submitting your mobile number through our website quote form, providing verbal consent to a member of our team, or by texting a designated keyword to our messaging number.

How to Opt Out

Reply STOP to any text message from Apex Insurance Group at any time to opt out. You may also contact us directly using the information in Section 6 below.

3. Disclaimers & Limitation of Liability

Our website and communications are provided "as is" for general informational purposes and do not guarantee coverage, pricing, or approval. To the fullest extent permitted by law, Apex Insurance Group is not liable for indirect, incidental, or consequential damages arising from your use of our website, text messaging program, or related services.

4. Governing Law

These Terms & Conditions are governed by the laws of the State of Idaho, without regard to conflict-of-law principles, except where superseded by applicable state insurance regulations in the state where your policy is issued.

5. Changes to These Terms

We may revise these Terms & Conditions from time to time. The "Last updated" date above reflects the most recent version. Continued use of our website or messaging program after changes are posted constitutes acceptance of the updated terms.

6. Contact Us

  • Apex Insurance Group — 510 S Clearwater Loop, Post Falls, ID 83854
  • Phone: 208-956-0524
  • Email: info@apexinsgrp.com

See also our Privacy Policy for details on how we collect, use, and protect your information.

Apex Insurance Group

Independent insurance advisors serving Post Falls, Coeur d'Alene & Spokane. Confidence, clarity, and protection at every stage of life.

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Contact
  • 208-956-0524
  • info@apexinsgrp.com
  • 510 S Clearwater Loop
    Post Falls, ID 83854
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