Terms & Conditions

Last Updated: 08/13/2026

Welcome to Baker Insurance Agency ("Agency," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your access to and use of our website located at [Insert Website URL] (the "Site") and any services, tools, or information provided through the Site.

By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Site.

1. NO BINDING COVERAGE OR INSURANCE ADVICE

The information provided on this Site is for informational purposes only and does not constitute financial, legal, or professional insurance advice.

• No Coverage Bound: You cannot bind, alter, or terminate insurance coverage through this Site, via email, or by leaving a voicemail message. All coverages must be explicitly confirmed in writing by a licensed agent of our Agency.
• Request for Information: Any request for a quote, policy change, or new coverage submitted through the Site is a request for information and does not guarantee that coverage will be issued or modified.

1. QUOTES, ESTIMATES, AND ACCURACY

Any insurance quotes, rate estimates, or coverage summaries provided on this Site are:

• Estimates Only: Based on the initial information you provide and are subject to underwriting approval by the respective insurance carriers.
• Non-Binding: Final premiums and coverage terms are determined solely by the insurance company issuing the policy.
• Information Accuracy: You agree to provide accurate, complete, and current information when requesting a quote. Providing false information may invalidate future policies or claims.

2. INTELLECTUAL PROPERTY RIGHTS

All content on this Site—including text, graphics, logos, images, digital downloads, and software—is the property of the Agency or its content suppliers and is protected by United States and international copyright, trademark, and intellectual property laws. You may view and download material for personal, non-commercial use only.

3. PROHIBITED USES

You agree not to use the Site to:

• Violate any local, state, national, or international law.
• Submit fraudulent, misleading, or inaccurate information.
• Transmit viruses, malware, or any destructive code.
• Attempt to gain unauthorized access to our servers, user accounts, or computer systems.

4. THIRD-PARTY LINKS AND SERVICES

Our Site may contain links to third-party websites, such as insurance carriers or payment processors. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party sites. Your interactions with these parties are governed strictly by their respective terms.

5. LIMITATION OF LIABILITY

To the fullest extent permitted by law, Baker Insurance Agency, its officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages resulting from:

• Your use of or inability to use the Site.
• Errors, omissions, or inaccuracies in the content provided on the Site.
• System outages, technical failures, or data breaches beyond our reasonable control.

6. PRIVACY POLICY

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. Please review our Privacy Policy.

7. GOVERNING LAW AND DISPUTES

These Terms shall be governed by and construed in accordance with the laws of the State of Pennsylvania, without regard to its conflict of law principles. Any legal action or proceeding arising out of these Terms shall be brought exclusively in the courts located in Lycoming County, Pennsylvania.

8. CHANGES TO THESE TERMS

We reserve the right to modify these Terms at any time. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

9. CONTACT INFORMATION

If you have any questions or concerns about these Terms and Conditions, please contact us at: