Last updated: April 22, 2025

 

Welcome to RMB Insurance Agency ("RMB", "we", "our", or "us"). By accessing or using our website, submitting any form, or interacting with our agency in any capacity, you agree to be bound by these Terms and Conditions. Please read them carefully.

1. Agency Services Disclaimer
RMB Insurance Agency is an independent insurance agency offering insurance quotes, policy servicing, and related information through multiple carriers. We strive to provide accurate and timely information, but final responsibility lies with the insured to review and verify all policy details, limits, coverages, and effective dates. Quotes provided are estimates only and do not constitute an offer or guarantee of coverage. No coverage will be bound or issued without confirmation from a licensed agent and, where required, full payment or carrier approval.

2. Errors and Omissions (E&O) Protection Statement
To protect our clients and our agency from misunderstandings:
- All quotes are subject to underwriting approval and may change based on driving history, claims, credit, or other rating factors.
- It is the responsibility of the insured to accurately disclose all information, including property value, vehicle usage, prior losses, and coverage preferences.
- RMB Insurance Agency is not responsible for any uncovered loss, policy lapse, or insufficient limits resulting from failure to disclose, request, or respond to coverage offerings. The insured agrees to return any required documents such as verification forms, loss statements, or rejection acknowledgments in a timely manner. Failure to do so may result in delays, denials, or cancellation of coverage.

3. No Legal or Financial Advice
The content on this site, and our communications with you, do not constitute legal or financial advice. Insurance coverage decisions should be reviewed with a licensed professional or financial advisor where necessary.

4. Electronic Communications and SMS Messaging
By submitting any form or providing your contact information through this site, you agree to receive communication from RMB Insurance Agency, which may include email, SMS text messages, and phone calls.
Message and data rates may apply. Reply STOP to unsubscribe from SMS.

5. Privacy Policy
We collect and protect your data in accordance with our Privacy Policy. By using our services, you consent to our data collection and processing practices.

6. Limitation of Liability
To the maximum extent permitted by law, RMB Insurance Agency shall not be liable for any:
- Indirect, incidental, or consequential damages;
- Delays in binding coverage;
- Missed claims or uncovered losses due to misrepresentation or lack of communication by the insured;
- Lapses or cancellations resulting from failed or delayed payments made via third-party systems or directly to the carrier.

7. User Conduct
You agree not to:
- Misrepresent any information in forms or communications
- Use this site for unlawful or deceptive purposes
- Attempt to bypass security or spam our systems

8. Third-Party Links and Carrier Partners
Our site may include links to third-party carrier websites. RMB Insurance Agency is not responsible for the content, terms, or policies of any external site.

9. Changes to Terms
We may update these Terms & Conditions at any time. Continued use of our site or services after changes are posted means you agree to the updated terms.

10. Legal Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of Minnesota. Any disputes shall be subject to the exclusive jurisdiction of courts located in Olmsted County, MN.

11. Client Acknowledgment
By using this site or submitting a request, you acknowledge that:
- You have read and understood these Terms & Conditions.
- You are responsible for reviewing your coverage and communicating any changes or
corrections.
- RMB Insurance Agency shall not be held liable for omissions not communicated or
confirmed in writing.