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Terms and conditions for using our website and services.
Last updated: March 24, 2026
By accessing and using the O'Brien Insurance Services website at bobrieninsurance.com ("the Site"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Site.
The Site is operated by O'Brien Insurance Services, an independent insurance agency located in Coeur d'Alene, Idaho. The Site is provided for informational purposes only and is designed to help you learn about the insurance products and services we offer.
The content on this website does not constitute insurance advice. Insurance coverage, terms, conditions, and pricing vary based on individual circumstances. The information presented here is general in nature and should not be relied upon as a substitute for professional advice from a licensed insurance agent.
When you submit a quote request through our website, you are requesting that a licensed agent contact you to discuss insurance options. Please be aware of the following:
Insurance policies issued through O'Brien Insurance Services are contracts between you and the issuing insurance carrier. All coverage is governed by the specific terms, conditions, exclusions, and limitations of the applicable insurance policy. In the event of any conflict between information on this website and the terms of an insurance policy, the policy language will govern.
O'Brien Insurance Services acts as an independent insurance agent and is not the insurance carrier. We represent multiple insurance carriers and help you find coverage that fits your needs, but the insurance carrier is responsible for claim decisions, policy administration, and coverage determinations.
To the fullest extent permitted by law, O'Brien Insurance Services, its owners, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or relating to:
The Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied.
All content on the Site, including text, graphics, logos, and design, is the property of O'Brien Insurance Services or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from the Site content without our prior written consent.
The Site may contain links to third-party websites. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content or practices of any third-party websites. Your use of third-party websites is at your own risk.
These Terms of Service are governed by and construed in accordance with the laws of the State of Idaho, without regard to its conflict of law principles. Any disputes arising from or related to these terms or your use of the Site shall be subject to the exclusive jurisdiction of the state and federal courts located in Kootenai County, Idaho.
We reserve the right to update or modify these Terms of Service at any time. Any changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after any changes constitutes acceptance of the revised terms.
If you have any questions about these Terms of Service, please contact us: