MURAL INSURANCE AGENCY INC LEGAL INFORMATION & TERMS OF SERVICE
Welcome to Mural Insurance Agency Inc. (“Mural Insurance”), your trusted source for comprehensive insurance solutions designed to meet the diverse needs of the Santa Ana community. With over 60 years of combined experience, we provide essential insurance services including Medicare Education and Enrollment, Covered California Health Insurance, Auto Insurance, and more. This section outlines the terms, conditions, and disclosures regarding the use of our services.
1. General Disclaimer
Mural Insurance Agency Inc. is an independent insurance agency. All information provided on this website—specifically our “Education-First” Medicare resources—is for general informational purposes only and should not be construed as legal, tax, or financial advice. We strive for accuracy but do not guarantee the completeness or reliability of the information provided.
2. Insurance Product Offerings
Mural Insurance offers various products subject to individual provider terms and client eligibility, including:
- Medicare Advantage, Part D, and Supplement Plans
- Covered California Health Insurance
- Auto and Home Insurance
- General Liability and Commercial Insurance
3. Medicare & Covered California Disclaimers
- Medicare (CMS Disclosure): 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. Mural Insurance is not endorsed by or affiliated with the Federal Medicare program.
- Covered California: Mural Insurance is an authorized agent for Covered California. We assist with exploring plans and subsidies, but final eligibility and rates are determined solely by Covered California. Covered California is not responsible for the content, information, or services provided on this site.
4. No Guarantee of Coverage
Insurance coverage is subject to the underwriting guidelines of individual carriers. We cannot guarantee that an application will be approved or that a specific policy will meet all your needs. It is the client’s responsibility to understand their policy’s exclusions and limitations. Mural Insurance does not accept liability for claims arising from coverage gaps or misunderstandings.
5. Client Responsibilities
To provide accurate service, we rely on clients to supply complete and truthful information. You are responsible for notifying us of changes to your contact info, health status, or driving record. Failure to provide accurate data may result in policy cancellation or denial of coverage.
6. Privacy and Bilingual Services
- Privacy: We adhere to state and federal privacy laws, including HIPAA for your health information and the CCPA. Personal information is used solely for insurance services.
- Bilingual Services: Our team is fluent in English and Spanish. We strive for accurate translation, but in the event of discrepancies, the English version of policy documents will govern.
7. Limitation of Liability
Mural Insurance and its affiliates shall not be liable for any direct or indirect damages arising from the use of our services, advice, or website information, including loss of data or profit. This applies even if we have been advised of the possibility of such damages.
8. Governing Law
These terms and all services provided are governed by the laws of the State of California. Any disputes shall be subject to the jurisdiction of the courts located within Orange County, California.
9. Contact Information
Mural Insurance Agency Inc. 2424 N Grand Ave Ste K, Santa Ana, CA 92705 Phone: (714) 541-1003 Email: santiago@muralinsurance.com