Terms of Service

Last updated: October 6, 2026 (version 2026-10-06)

1. Who we are

LicensedAndInsured.com (“we,” “us,” the “Service”) is operated by Thriving Partners, LLC, a Florida limited liability company. We are an independent, privately operated business. We are not a government agency, not affiliated with any licensing board, and not authorized to issue, grant, revoke, or interpret any government license or credential.

These terms form a binding agreement between you and us when you claim a listing or purchase verification. If you are agreeing on behalf of a business, you represent that you are authorized to bind that business.

2. What the service is

For an annual fee, we perform a point-in-time review of publicly available licensing records and of documents you supply, and if the review is satisfactory we publish a dated verification page and issue a badge kit. Specifically, we:

• check the status of your license or registration in the official state (or, where applicable, local) public record on a stated date;
• check that the licensed name corresponds to the business name you market under;
• confirm the identity of the individual controlling the listing against the license or corporate officer records on a stated date;
• review a certificate of insurance you provide showing general liability coverage, recording carrier, limits, and policy dates, and note the workers’ compensation coverage or exemption as shown on the certificate or exemption document you provide (we do not independently query the state exemption database);
• publish a verification page showing what was checked and the date it was checked; and
• re-check periodically and when state data syncs indicate a change, and remove or downgrade a listing when a policy period ends or a license no longer appears in the state file as current and active. In practice, license status is re-checked against the state’s weekly licensee file and insurance is tracked to the policy end date on the certificate.

For trades not licensed by the state, verification consists of identity confirmation and insurance review only, and the verification page says so.

3. What verification does not mean

Specifically, verification is not:

• a guarantee that your license or insurance remains valid or in force at any time after the stated check date — policies can be cancelled and licenses can lapse or be suspended at any moment;
• a guarantee, warranty, or prediction regarding workmanship, pricing, scheduling, safety, or the outcome of any project;
• an endorsement, recommendation, referral, or certification of you or your business;
• a government credential, or a substitute for a homeowner’s own verification with the issuing agency and insurer;
• legal advice, insurance advice, or advice regarding coverage adequacy. We do not sell, solicit, negotiate, or advise on insurance.

We encourage every homeowner to independently confirm license and insurance status with the issuing agency and the insurance agent before hiring anyone, including a verified contractor. Our website says so publicly.

Only the items listed were checked. Each verified listing states exactly which checks were performed and on what date. No other review of a business, its history, complaints, discipline, or financial condition is implied.

State record accuracy. Unverified directory listings are seeded directly from Florida DBPR and Sunbiz public records. This data is provided "as-is" and is stamped with the date of our last database sync. DBPR's weekly licensee file includes active, inactive and voluntarily inactive licenses; delinquent, involuntarily inactive and null-and-void licenses do not appear in that file. We are not responsible for delays, inaccuracies, or errors originating from state databases.

4. Your obligations

• Accurate information. The company name, license or registration number, state, and contact details you provide must be accurate, current, and yours.
• Genuine documents. Certificates of insurance you send must be authentic, unaltered, and issued for the business being verified.
• Ongoing compliance. You must maintain the license and insurance that formed the basis of your verification for as long as you display the badge.
• Prompt notice. You must notify us within ten (10) days if your license or registration lapses, is suspended, is revoked, or is subject to disciplinary action, or if your insurance is cancelled or non-renewed.
• Honest use. You may not describe verification as a government approval, a guarantee of your work, an endorsement, or a form of insurance coverage.

Submitting false or altered documents is grounds for immediate termination without refund, and we may report suspected fraudulent licensing or insurance documents to the relevant licensing board, insurer, or authorities.

5. Certificates of insurance and renewal contact

When you submit a certificate of insurance, or ask your agent to send one to us, you authorize us to read it, including by automated means; to record the carrier, policy types, limits and policy dates it shows; to display on your listing only what we state we checked; to send you reminders by email before a policy on file ends; and to share your business name, license number, the contact details on your listing and the certificate details with a licensed Florida insurance agency so it may contact you by email, text message, or phone call (including via automated technology) about renewing or quoting that coverage. You may stop the reminders and the sharing at any time from your account page or the link in any email; verification and expiry tracking continue. We do not sell your certificate.

The partner agencies we share with are listed at licensedandinsured.com/partners. Text messages and automated or prerecorded calls are placed only where you have separately given written consent on this site; that consent is recorded with its date, the page it was given on, and the exact wording shown, and you may revoke it at any time by replying STOP to a text or using the link in any email.

This section applies to free claimed listings and to paid memberships alike.

6. Fees, renewal, and cancellation

Subscription and auto-renewal. Paid tiers are billed annually. By subscribing, you authorize us to automatically charge your payment method on file each year on your renewal date. We send a renewal notice at least 45 days before each renewal date stating the amount and how to cancel. You may cancel auto-renewal at any time through the billing portal at licensedandinsured.com/manage or via the billing link in any membership email; cancellations must be made at least 24 hours before the renewal date to avoid the next year's charge. Every cancellation is confirmed by email. Your listing, verification page and badge rights remain active through the end of the paid term and then end.

Charter pricing guarantee. Accounts verified under the Founding Member tier ($99/year) are guaranteed this renewal rate for 36 months from the date of initial payment, provided the membership remains continuously active. If a payment method fails and is not updated within 14 days, or if you cancel and later reactivate, the account will be subject to the then-current standard pricing. The listing stays live during the 14-day cure window. Locked rates are non-transferable and do not survive a change in business ownership. Members who joined before September 29, 2026 keep the founding terms that were in force when they joined.

No contract, no cancellation fee. There is no minimum term beyond the paid year and no fee to cancel.

7. Refund policy

Verification failure refund. If we are unable to verify your listing because the license, identity, or insurance check is not passed, we will refund your payment in full to the original payment method. If you do not complete the verification steps, including COI submission, within 30 days of payment, we will cancel the order and issue a full refund. Once your listing is activated, membership fees are non-refundable and are not prorated on cancellation.

Renewal charged after a timely cancellation. If a renewal charge posts after you cancelled through the billing portal at least 24 hours before the renewal date, contact us within 30 days of the charge and we will refund it.

Refunds are not available where verification was obtained using false or altered documents.

8. Badge license

While your subscription is active and your verification is current, we grant you a limited, non-exclusive, non-transferable, revocable license to display the LicensedAndInsured.com verification badge on your website, vehicles, signage, proposals, and marketing materials.

• You may not alter the badge’s colors, wording, or year.
• You may not sublicense, sell, or share badge files with any other business.
• Web display must link to your verification page.
• You must stop displaying the badge and remove it from all materials, including physical materials, within thirty (30) days of cancellation, non-renewal, or withdrawal of verification.

All trademarks, badge designs, and site content remain our property.

9. Suspension and withdrawal

We may suspend or withdraw verification and remove your page at any time, with notice where practicable, if your license or insurance lapses or is cancelled, if information you supplied proves inaccurate, if you misuse the badge or misrepresent what verification means, or if we determine in good faith that continued verification would be misleading to the public. Withdrawal for these reasons does not entitle you to a refund of the current term.

Impersonation and fraud. We enforce a strict zero-tolerance policy for fraudulent claims. If a verified business owner submits a report with proof of ownership (for example, matching Sunbiz articles of incorporation or a state license ID) that their business has been fraudulently claimed, LicensedAndInsured.com will temporarily remove the disputed profile from public view within two business days of receiving the report with supporting ownership documentation, pending a manual investigation. Reports are filed at licensedandinsured.com/dispute.

Ownership. A verified listing may be controlled only by a person whose identity we have confirmed. A person who later proves ownership overrides any earlier self-reported claim on the same license record.

10. Disclaimer of warranties

The Service is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that public records we consult are accurate, complete, or current — those records are maintained by third parties and government agencies, not by us.

11. Limitation of liability

To the fullest extent permitted by law, our total aggregate liability arising out of or relating to the Service is limited to the amount of fees you paid us in the twelve (12) months preceding the claim. We are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost business, or reputational harm, even if advised of the possibility.

Nothing in these terms limits liability that cannot be limited under applicable law.

12. Indemnification

You agree to indemnify and hold harmless Thriving Partners, LLC and its members, managers, officers, and agents from any claim, loss, or expense (including reasonable attorneys’ fees) arising from information or documents you supplied, your use or misuse of the badge, your work for customers, or your breach of these terms.

13. Governing law and disputes

These terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any dispute shall be brought exclusively in the state or federal courts located in Palm Beach County, Florida, and you consent to that jurisdiction and venue. Before filing, both parties agree to attempt in good faith to resolve the dispute by direct discussion for thirty (30) days.

14. Changes to these terms

We may update these terms. If we make a material change, we will notify active subscribers by email at least thirty (30) days before it takes effect. Changes to fees never apply to a term already paid for. Continuing your subscription after the effective date means you accept the updated terms.

15. Contact

Thriving Partners, LLC d/b/a LicensedAndInsured.com
Email: verify@licensedandinsured.com
2125 Biscayne Blvd, Ste 204 #16523
Miami, FL 33137

See also our Privacy Policy.