Scott Fox Insurance Effective Date: July 28, 2026
Welcome to Scott Fox Insurance ("Company," "we," "our," or "us"). These Terms and Conditions govern your use of this website and our services. By scheduling an appointment, submitting a form, or otherwise using this website, you agree to these Terms. If you do not agree, please do not use this website.
Scott Fox Insurance is a California licensed insurance broker, California Insurance License #0B95987.
Submitting information through this website does not:
Bind coverage
Modify an existing policy
Guarantee eligibility
Create an insurance contract
Coverage is bound only when confirmed in writing by a licensed insurance carrier. Coverage cannot be bound, altered, or confirmed through this website, email, voicemail, or text message.
Information on this website is provided for general educational and informational purposes. It is not legal advice, tax advice, or investment advice, and it is not a guarantee of coverage or benefits.
Insurance coverage is subject to carrier underwriting approval, policy terms, exclusions, and limitations.
Quotes, comparisons, and illustrations provided through this website or during consultations are estimates only. Actual premiums may vary based on underwriting review, claims history, credit factors where permitted by law, eligibility guidelines, and state and federal regulations.
We do not guarantee specific pricing or savings.
Scott Fox Insurance is not affiliated with or endorsed by the U.S. government, Medicare, or Covered California.
We are an independent insurance brokerage that may represent multiple insurance carriers. Plan availability varies by county and by eligibility requirements.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Service communications. When you contact us, request a quote, or schedule an appointment, we may respond by phone, email, voicemail, or text message using the contact information you provided. These communications relate directly to your request.
Marketing communications. Marketing and promotional messages by phone, text, or email are sent only to individuals who have separately and affirmatively opted in.
Consent to receive marketing communications is not a condition of scheduling an appointment, obtaining a quote, or purchasing any insurance product.
Marketing messages may be sent using automated technology. Message frequency varies. Message and data rates may apply.
You may withdraw consent at any time — reply STOP to text messages, use the unsubscribe link in any marketing email, or contact us directly at 310-504-6223 or [email protected].
See our SMS Text Messaging Policy and Privacy Policy for complete terms.
The Centers for Medicare & Medicaid Services requires that sales and marketing calls concerning Medicare Advantage and Part D plans be recorded in their entirety. Recordings are retained as required by CMS.
By proceeding with a Medicare sales or marketing appointment by phone or video, you consent to that recording. We will also state this verbally at the beginning of each call. If you do not wish to be recorded, we cannot conduct a Medicare sales appointment, but we can still provide general educational information.
Separately, CMS requires a documented Scope of Appointment before plan-specific benefits are discussed. We will confirm your Scope of Appointment before that portion of any conversation.
Information you submit may be stored in our customer relationship management and agency management systems for quote preparation, appointment scheduling, policy servicing, renewal reminders, and compliance documentation.
We take reasonable steps to protect your information but cannot guarantee absolute security of internet transmissions. See our Privacy Policy for full details, including how we handle health and medical information.
This website links to third-party websites and platforms, including plan comparison and scheduling tools. We are not responsible for their content, security practices, privacy policies, or the accuracy of information they provide. Use of third-party sites is at your own risk and subject to their terms.
Insurance decisions should be made after reviewing official plan documents, including the Summary of Benefits, Evidence of Coverage, and formulary where applicable.
We are not responsible for decisions made without consultation with us, misinterpretation of general educational content published on this website, or changes in carrier underwriting guidelines, plan benefits, or formularies that occur after information is published.
Nothing in this section limits any duty we owe to you as your licensed broker in connection with services we actually provide, and nothing in these Terms exempts us from liability for fraud, willful injury, or violation of law.
Insurance products and services are offered only in states where Scott Fox Insurance is properly licensed and appointed with the applicable carrier.
Our primary service area is Orange County and Los Angeles County, California. We also hold non-resident licenses in additional states. Not all products are available in all states, and coverage availability, pricing, and eligibility vary by state and carrier.
Nothing on this website constitutes a solicitation of insurance in any state where we are not licensed and appointed.
To confirm whether we are licensed in your state for a particular product, contact us directly.
All content on this website — including text, graphics, logos, branding, and educational materials — is the property of Scott Fox Insurance and may not be reproduced without written permission.
To the fullest extent permitted by law, Scott Fox Insurance shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of this website.
Nothing in this section limits liability that cannot be limited under California law, including liability for fraud, willful injury, or violation of law.
These Terms are governed by the laws of the State of California, without regard to its conflict of laws provisions.
Subject to the arbitration provision in Section 14, any dispute arising out of or relating to these Terms or your use of this website shall be brought exclusively in the state or federal courts located in Orange County, California, and you consent to the personal jurisdiction of those courts. This venue provision applies to any claim not subject to arbitration, including claims brought by a party who has opted out under Section 14 and any claim a court determines is not arbitrable.
Please read this section carefully. It affects how disputes between you and Scott Fox Insurance are resolved, and it limits your right to participate in a class action.
Individual arbitration. Except as stated below, any dispute arising out of or relating to these Terms, this website, or our services shall be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court. The arbitrator may award any relief that a court could award on an individual basis.
Class action waiver. You and Scott Fox Insurance each waive the right to participate in a class, collective, consolidated, or representative action. Claims may be brought only in an individual capacity. The arbitrator may not consolidate claims or preside over any form of representative proceeding.
Small claims exception. Either party may bring an individual claim in small claims court instead of arbitration, provided the claim qualifies and remains in that court on an individual basis.
Costs. Scott Fox Insurance will pay all arbitration filing, administrative, and arbitrator fees that exceed what you would have paid to file the same claim in a California court of competent jurisdiction. Each party otherwise bears its own attorneys' fees, except where a statute provides otherwise.
Location. Arbitration will be conducted in Orange County, California, or by telephone, video, or written submission at your election.
Your right to opt out. You may opt out of this arbitration provision by sending written notice to the address in Section 17 within 30 days of first accepting these Terms. The notice must state your name, address, and a clear statement that you decline arbitration. Opting out does not affect any other provision of these Terms and will not affect our services to you in any way.
Survival. This section survives termination of your relationship with us. If the class action waiver is found unenforceable as to a particular claim, that claim shall proceed in court and this arbitration provision shall not apply to it.
If any provision of these Terms is found unenforceable, that provision shall be limited or severed to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
We may modify these Terms at any time. Updates will be posted on this page with a revised Effective Date. Material changes will be accompanied by conspicuous notice on our website. Your continued use of the website after changes take effect constitutes acceptance.
Scott Fox Insurance Stephen Scott Fox, Licensed Insurance Agent California Insurance License #0B95987
213 N. Main St. Santa Ana, California 92701
Phone: 310-504-6223 Email: [email protected] Web: https://scottfoxinsurance.com