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Terms and conditions for using our website and insurance-related digital services.
Last updated: July 7, 2026
Please read these Terms of Service carefully. These Terms govern your access to and use of the O'Brien Insurance Services website at bobrieninsurance.com, quote forms, contact forms, communications tools, and related insurance-support digital services (collectively, the “Services”). By accessing or using the Services, you agree to these Terms. If you do not agree, please do not use the Services.
These Terms apply only to the extent permitted by applicable law and are subject to all non-waivable rights and protections available under insurance, privacy, consumer-protection, and other applicable laws.
These Terms are written to cover our website and the general ways an independent insurance agency may receive requests, communicate with clients, work with carriers and service providers, support transactions, maintain records, and operate online tools. Not every feature, communication method, vendor, product, form, payment option, carrier process, or workflow described in these Terms is available or used in every situation.
Our actual practices may vary based on the product or service you request, the insurance carrier involved, the state or jurisdiction, the communication method you choose, and legal or regulatory requirements. Where a law, carrier rule, written binder, issued policy, endorsement, invoice, fee agreement, privacy notice, electronic-consent record, or other transaction-specific document applies, that document controls for the specific transaction to the extent it conflicts with these general website Terms.
O'Brien Insurance Services is an independent insurance agency. We are not an insurance carrier unless expressly identified otherwise in writing for a particular product or service. Final underwriting, policy issuance, premiums, renewals, cancellations, and claim decisions are made by the issuing insurance carrier, not by this website.
Insurance products and services are offered only through properly licensed individuals and entities, only in jurisdictions where we and the applicable producer are authorized to transact insurance, and only where the relevant carrier may lawfully issue coverage. License information is available upon request.
Content on the Services is provided for general informational purposes. It is not legal advice, tax advice, accounting advice, investment advice, claims-adjusting advice, financial advice, or a guarantee of coverage, pricing, underwriting approval, eligibility, policy issuance, or policy terms.
Insurance needs, coverage options, eligibility, rates, and availability are fact-specific and jurisdiction-specific. You should review all policy materials carefully and consult appropriate professional advisers when needed. Nothing on the Services is intended to modify the terms of any policy or create any obligation on the part of an insurance carrier.
A quote, premium estimate, proposal, eligibility result, marketing statement, certificate request, application submission, form submission, payment transmission, email, text message, phone call, or response from us does not by itself bind insurance coverage, create an insurance policy, amend existing coverage, guarantee issuance, renew coverage, reinstate coverage, or guarantee claim payment.
Coverage takes effect only if and when confirmed by an authorized written binder, policy, endorsement, or other written confirmation issued by the carrier or by a person with actual authority to bind coverage. Effective dates, limits, deductibles, exclusions, conditions, and endorsements are governed solely by the applicable insurance documents.
Any insurance policy that is issued is governed by the actual policy language, endorsements, declarations, applications, carrier notices, and carrier underwriting rules. If there is any difference between website content, an email, a text message, a quote summary, a proposal, a certificate request, a verbal discussion, or these Terms and an issued policy, the issued policy controls for that insurance transaction.
By using the Services, you represent that you are legally capable of using the Services and are authorized to request quotes, submit information, receive notices, make coverage elections, and communicate with us for yourself or for the applicant, insured, policyholder, employer, or business entity you represent.
You agree to provide current, complete, and accurate information. We and the carriers we work with may rely on the information you provide when responding to requests, preparing quote options, submitting applications, servicing policies, or communicating with carriers and market partners.
You are responsible for reviewing applications, proposals, binders, policies, declarations, endorsements, invoices, notices, and other documents for accuracy and completeness and for notifying us promptly of any error, omission, or change in circumstances. Your failure to supply complete and accurate information may affect pricing, eligibility, coverage, renewability, or claims.
We may receive commissions, contingent compensation, overrides, service fees, administrative fees, referral compensation, technology fees, or other compensation from insurance carriers, intermediaries, service providers, or other third parties. In some circumstances, we may also charge a fee directly to you where permitted by law and disclosed to you.
Additional state-specific compensation or fee disclosures will be provided where required. You acknowledge that compensation arrangements may create actual or perceived conflicts of interest, and you agree to review any disclosures we provide.
Premiums, taxes, assessments, installment charges, financing charges, policy fees, broker fees, and other amounts are due as stated in the applicable invoice, proposal, finance agreement, fee agreement, carrier billing system, or policy documents.
If permitted, we may facilitate payment collection or transmit payment instructions to carriers, premium finance companies, or payment processors. To the extent we receive premiums or other funds in connection with an insurance transaction, we will handle those funds in accordance with applicable fiduciary, trust-account, and accounting requirements.
Cancellation, rescission, nonrenewal, reinstatement, refunds, premium returns, minimum earned premium, short-rate penalties, and unearned premium calculations are governed by the applicable policy, carrier rules, finance agreement, and law. Unless expressly stated otherwise in a signed written fee agreement, fees paid for completed brokerage or consulting services are nonrefundable to the extent permitted by law.
Our collection, use, disclosure, retention, transfer, and protection of personal information, nonpublic personal information, insurance-transaction information, and, where applicable, health-related information are governed by our Privacy Policy, which is incorporated into these Terms by reference.
We maintain administrative, technical, and physical safeguards designed to protect information as required by applicable law and our risk-based security practices, and we require appropriate safeguards from third-party service providers that process information on our behalf. Nothing in these Terms limits any rights you may have under applicable privacy, breach-notification, or insurance-information laws.
Where required or reasonably appropriate for legal compliance, fraud prevention, underwriting, security, sanctions compliance, or carrier requirements, we and our service providers may verify your identity, authority, beneficial ownership, payment information, contact information, and other risk-related information. We may screen names and transactions against sanctions and watchlists and may request additional information or documentation.
We may delay, restrict, reject, or terminate Services, refuse payment processing, or decline to submit or service an insurance transaction if required by law, carrier instruction, sanctions restrictions, suspected fraud, or risk-management concerns. These procedures apply as applicable and may be more extensive for certain life, annuity, cash-value, commercial, or higher-risk transactions.
You consent to receive transactional, relationship, servicing, compliance, and other legally required communications electronically, including by email, portal message, secure link, electronic form, or other electronic means, to the extent permitted by law and subject to your rights under applicable electronic-record laws. If text messaging is offered or used, it will be subject to the SMS and text messaging terms below and any consent required by law. Where law requires special consent before we deliver records electronically, we will seek that consent separately.
You are responsible for maintaining accurate contact information and updating it promptly. We may monitor or record calls, chats, text exchanges, and other communications for quality assurance, training, security, compliance, dispute resolution, fraud prevention, and recordkeeping, subject to applicable law.
By contacting us or requesting information, you agree that we may contact you by email about your request, account, quote, policy service matters, or other relationship-based communications. Promotional email communications, when sent, will include an unsubscribe method as required by law. We may still send non-promotional emails related to quotes, policies, billing, renewals, claims, legal notices, or other service matters.
We do not currently operate a recurring promotional text-message program. If you provide your mobile number and ask us to contact you by text, if we send one-to-one text messages in response to your request, or if we offer a text-message program in the future, text messaging will be used only as permitted by law and subject to any required consent and disclosures.
Texts, if used, may relate to your requested quote, follow-up items, policy or account servicing, reminders, review requests, educational updates, and, if you separately consent, marketing or promotional messages. Texts may include links to our website, secure forms, carrier or payment resources, scheduling pages, or other resources related to your request or account. Please use care when opening links and contact us if you are unsure whether a message came from us.
Participating carriers are not liable for delayed or undelivered messages. We do not share mobile opt-in data or text messaging consent with third parties for their marketing or promotional purposes. Additional information about how we collect, use, and protect personal information is available in our Privacy Policy.
You may not use the Services to:
We may investigate suspected violations and cooperate with carriers, regulators, law enforcement, and other authorities as permitted or required by law.
The Services may contain links to or integrations with third-party websites, carrier portals, payment processors, identity-verification providers, electronic-signature vendors, customer-communication providers, payment portals, social media platforms, or other online services. We do not control third-party websites or systems and are not responsible for their availability, content, security, or privacy practices, except as otherwise required by law.
Carrier quotes, forms, portals, policies, and notices are subject to the carrier’s own terms, disclosures, and legal obligations.
Except for materials you submit that are necessary for underwriting, servicing, claims support, or other insurance transactions, the Services and their content, design, trademarks, logos, software, text, graphics, and related materials are owned by or licensed to O'Brien Insurance Services and are protected by applicable intellectual-property laws.
Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable right to access and use the Services for lawful personal or internal business purposes related to prospective or actual insurance transactions. You may not reproduce, distribute, modify, reverse engineer, or create derivative works from the Services except as permitted by law or with our written consent.
Applications, supporting documents, schedules, loss runs, certificates, health information, payroll reports, underwriting data, and other transaction documents that you submit remain subject to your rights and the rights of any carrier or other lawful owner. You grant us and our service providers the right to use, transmit, store, and disclose them as reasonably necessary to quote, place, bind, issue, service, renew, modify, finance, administer, or terminate insurance transactions, comply with law, or protect legal rights.
We do not acquire ownership of your underlying insurance records merely because you submit them through the Services.
If you have a complaint, please contact us using the information below so that we may attempt to resolve the issue informally and promptly. Nothing in these Terms limits your right to contact a state insurance department, financial-services regulator, attorney general, health agency, or other governmental authority, or to exercise any non-waivable right under applicable law.
To the maximum extent permitted by law, the Services are provided on an “as is” and “as available” basis, without warranties of any kind except as expressly stated in a separate written agreement or disclosure. Without limiting the foregoing, we do not warrant that the Services will be uninterrupted, error-free, secure, or available at all times; that any quote, rate, eligibility result, or proposal will result in coverage; or that any carrier will approve, issue, renew, reinstate, or pay a claim.
This disclaimer does not limit any warranty, duty, or right that cannot lawfully be disclaimed or waived.
To the maximum extent permitted by law, O'Brien Insurance Services and its owners, employees, producers, contractors, and service providers will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, or for loss of profits, revenue, data, use, or business opportunity, arising out of or related to the Services.
This section does not limit liability for fraud, willful misconduct, gross negligence, or any liability or remedy that cannot lawfully be limited. Nothing in these Terms alters the obligations of any issuing carrier under an applicable policy.
You agree to indemnify, defend, and hold harmless O'Brien Insurance Servicesand its owners, employees, producers, contractors, and service providers from and against third-party claims, damages, liabilities, losses, judgments, and reasonable costs and expenses, including attorneys’ fees, arising out of or relating to your fraud, unlawful conduct, infringement of another’s rights, material breach of these Terms, or materially false or misleading information that you submit through the Services. This obligation does not apply to the extent the claim was caused by our own fraud, gross negligence, or willful misconduct.
Before filing a formal legal claim, the parties will try in good faith to resolve the dispute informally. A party initiating a dispute should send a written notice describing the issue, the relevant facts, supporting documentation, and the requested relief using the contact information below.
Nothing in this section prevents either party from seeking temporary injunctive relief, filing in small-claims court where eligible, reporting matters to regulators, or exercising any non-waivable rights.
These Terms are governed by the laws of the State of Idaho, without regard to conflict-of-law principles, except that any non-waivable rights, remedies, protections, or insurance-law requirements that apply to you under the law of another jurisdiction remain in effect. Unless applicable law requires otherwise, any dispute arising from these Terms or your use of the Services shall be brought in a state or federal court located in or serving Kootenai County, Idaho.
If any provision of these Terms is held unlawful, void, invalid, or unenforceable, that provision will be enforced to the maximum extent permitted and the remainder of the Terms will remain in full force and effect. Headings are for convenience only and do not affect interpretation.
We may revise these Terms from time to time. Changes will be effective prospectively upon posting unless a later effective date is stated. Material changes will be communicated by reasonable notice where required by law. Changes to these Terms will not retroactively alter the terms governing an existing bound placement, issued policy, or completed service except as permitted by law and expressly communicated to you.
Your continued use of the Services after the effective date of revised Terms constitutes acceptance of the revised Terms to the extent permitted by law.
These Terms, together with the Privacy Policy, any applicable state-specific notices, fee disclosures, compensation disclosures, electronic-consent records, and other documents expressly incorporated by reference, constitute the agreement between you andO'Brien Insurance Services regarding the Services. However, an issued policy, binder, endorsement, financing agreement, fee agreement, or other transaction-specific document controls over these Terms to the extent of any conflict with respect to that transaction.
If you have any questions about these Terms of Service, please contact us: