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Warp Insurance Services LLC
NPN: 22074328
Last updated March 1, 2026
These Broker Services Additional Terms ("Broker Terms") are incorporated into and form part of the Warp Employer Terms of Service (the "Agreement"). These Broker Terms govern the broker and employee benefits services ("Broker Services") provided by Warp Insurance Services LLC ("Warp Insurance"), a subsidiary of Poaster Technologies Inc. doing business as Warp ("Warp"). Capitalized terms not defined here have the meanings set forth in the Agreement. All disclaimers, limitations of liability, and indemnification provisions in the Agreement apply to these Broker Terms.
By using the Broker Services, you agree to these Broker Terms as part of the Agreement.
Warp Insurance and its authorized broker partners (each, a "Warp Broker Partner," and together with Warp Insurance, "Warp Brokers") shall provide Customer's authorized benefits administrator ("Benefits Administrator") with assistance in employee benefits services, including: (a) identifying, evaluating, and recommending group insurance policies ("Insurance Policies") offered by insurance carriers ("Benefits Providers"); (b) facilitating carrier enrollments and broker of record designations; and (c) providing access to Warp's benefits administration features as governed by the Agreement. By using the Broker Services, Customer acknowledges and permits Warp Brokers to receive commissions from Benefits Providers in connection with Insurance Policies placed through the Broker Services.
To receive Broker Services, Customer must: (a) designate Warp Insurance or a Warp Broker Partner as its broker or agent of record; (b) authorize Warp Insurance or a Warp Broker Partner to communicate such designation to Benefits Providers, prior brokers, and other relevant parties; and (c) either (i) work exclusively with Warp Brokers as its broker of record, or (ii) obtain prior written consent from Warp Insurance before engaging any third-party broker concurrently. If Customer designates a Warp Broker Partner as broker of record, the relationship between Customer and such Warp Broker Partner may be subject to additional terms between those parties.
Warp Insurance provides Broker Services only in states where it holds the required licenses. No Insurance Policy will be offered or solicited in any jurisdiction where doing so would violate applicable insurance laws. Warp Insurance makes no representation that any Insurance Policy is available or appropriate in every state. Information regarding Warp Insurance's licensure is available on our Licenses page.
Warp Brokers provide Insurance Policy recommendations based on Customer's location, group size, and circumstances as represented by Customer. Customer acknowledges that:
Benefits Providers retain sole discretion to accept, reject, or rescind any Insurance Policy.
Warp Insurance may provide summaries and descriptions of Insurance Policies ("Benefits Information"). In the event of a conflict between Benefits Information and the official Insurance Policy documents or certificates issued by a Benefits Provider, the Benefits Provider's documents control. Warp Insurance does not provide legal, tax, or accounting advice.
Warp Insurance is not a plan sponsor, plan administrator, or insurer. Warp Insurance does not process claims, determine eligibility, design or amend Insurance Policies or benefit plans, or guarantee that enrollment information has been accepted by a Benefits Provider. Customer should contact its Benefits Provider directly for questions regarding eligibility, enrollment status, or claims.
Customer acknowledges that Warp Insurance does not act as a fiduciary with respect to Customer or any Insurance Policy or benefit plan. Customer remains the fiduciary of all benefit plans procured or managed through the Broker Services and is responsible for:
Failure to provide timely notice may result in delays, termination, or inability to obtain coverage, and Customer is responsible for any resulting costs, penalties, or taxes.
Warp Brokers rely on data, representations, eligibility determinations, and other information provided by Customer, its employees, and its Benefits Administrator ("Customer Representations"). Customer is responsible for the accuracy, completeness, and timeliness of all Customer Representations. Warp Brokers have no obligation to independently verify Customer Representations and bear no liability for errors, omissions, penalties, or losses resulting from inaccurate or incomplete Customer Representations.
Customer is solely responsible for funding all benefits and premiums payable under applicable Insurance Policies and benefit plans. Warp Insurance does not process or facilitate premium payments on Customer's behalf; premiums must be paid directly to the applicable Benefits Provider. Warp Insurance does not maintain copies of Customer's insurance invoices, which must be obtained from the Benefits Provider.
Customer agrees that communications related to the Broker Services, including notices, enrollment materials, and disclosures, may be delivered electronically to Customer and its employees.
Customer is solely responsible for compliance with all applicable laws governing its benefit plans, including COBRA, ERISA, and the Internal Revenue Code, as applicable. Customer is responsible for determining the legal and tax status of its benefit plans and for making all required governmental filings. Warp Brokers have no liability for Customer's compliance failures, including employee contributions that exceed limits under applicable law.
Customer acknowledges that:
Warp may, but is not required to, waive fees associated with benefits administration features. Any such waiver is independent of whether Customer uses the Broker Services and applies only to the specific fees identified.
Without limiting the limitations of liability in the Agreement, Customer acknowledges that:
Warp Insurance Services LLC
NPN: 22074328
