Terms of Use

No offer, no coverage

Nothing on this website is an offer to sell insurance, a binder, or a guarantee that coverage is available or will be issued. Quotes are estimates based on the information provided and are subject to underwriting review, carrier appetite, and final policy issuance. Coverage begins only when a carrier binds it in writing. Requests submitted through this site do not bind, alter, cancel, or reinstate coverage, and should not be used to report a claim or make a time-sensitive change — call the office instead.

Informational content only

Coverage descriptions, articles, and industry pages are general summaries written for a Colorado Springs audience. They are not legal, tax, financial, or coverage advice, and they do not modify any policy. The actual policy language, including its terms, conditions, limits, and exclusions, controls in all cases. See our insurance disclaimer.

No agency or fiduciary relationship from site use

Browsing this site or sending a form does not create a client, agency, fiduciary, or professional relationship. A relationship begins only when we confirm it and a licensed producer is engaged on your behalf.

Licensing

Licensed insurance producer in the State of Colorado. License # [TBD]. Insurance products are offered through licensed producers and issued by third-party carriers. We can transact insurance only in states where we hold a valid license. Products, coverages, and availability vary by state and carrier.

Your responsibilities

• Provide accurate and complete information; underwriting decisions depend on it.
• Do not submit false, misleading, or fraudulent information. Insurance fraud is a crime.
• Do not attempt to disrupt, scrape, overload, or gain unauthorized access to the site.
• Do not submit another person's information without their permission.

Intellectual property

The content, layout, logo, and marks on this site belong to Timothy K Garrett Agency or its licensors and may not be copied or reused without permission, other than normal browser caching and printing for your own reference.

Third-party links

Links to carriers, government agencies, or other sites are provided for convenience. We do not control those sites and are not responsible for their content, accuracy, or privacy practices.

Disclaimer of warranties and limitation of liability

This website is provided "as is" and "as available" without warranties of any kind, express or implied, including accuracy, merchantability, fitness for a particular purpose, and non-infringement. To the fullest extent permitted by Colorado law, Timothy K Garrett Agency is not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of this website or reliance on its content. Nothing in these terms limits liability that cannot be limited by law, and nothing here alters obligations under an insurance policy actually issued to you.

Governing law

These terms are governed by the laws of the State of Colorado, without regard to conflict-of-law rules. Disputes will be brought in the state or federal courts located in El Paso County, Colorado.

Changes and contact

We may update these terms; the date above reflects the current version. Questions? Contact the agency.

Placeholder notice: the entity name, license number, and contact details on this site are placeholders pending final agency details.