Home › More › Terms & Conditions of Hereth Insurance Consulting
Effective Date: 04/01/2026
Welcome to Hereth Insurance Consulting. By accessing or using our website, submitting a quote request, communicating with our office, or opting in to receive text messages from us, you agree to these Terms & Conditions. If you do not agree to these terms, please do not use our website or messaging services.
These Terms & Conditions govern your use of our website and communications with Hereth Insurance Consulting.
This website is intended to provide general information about Hereth Insurance Consulting, our services, and the insurance products we may help place through our carrier and brokerage relationships.
By using this website, you agree to use it only for lawful purposes and in a manner that does not interfere with the operation, security, or availability of the website.
Information provided on this website is for general informational purposes only and does not constitute a binder, policy, endorsement, guarantee of coverage, or guarantee of pricing.
Submitting information through this website, requesting a quote, or communicating with our office does not guarantee:
All insurance coverage is subject to underwriting review, carrier approval, policy terms, conditions, exclusions, and availability.
Hereth Insurance Consulting does not quote or offer state minimum-only auto insurance policies. We focus on coverage options designed to provide broader protection than minimum state-required limits.
Any quote request submitted through this website is subject to our underwriting and agency placement standards. If a request is made for state minimum-only auto coverage, we may decline to provide a quote or may offer alternative coverage options that better align with our agency standards and available markets.
When you submit a form, request a quote, send us a message, or otherwise communicate with us, you agree to provide accurate, current, and complete information.
You understand that:
By providing your mobile phone number and opting in to receive text messages from Hereth Insurance Consulting, you agree to receive SMS communications related to your relationship with our agency. These may include quote follow-up, account notifications, service updates, reminders, and other insurance-related communications.
Message frequency varies depending on your account activity, requests, and communications with our office.
Message and data rates may apply depending on your mobile carrier plan.
By opting in, you confirm that you are the authorized user of the mobile number provided and that you consent to receive text messages from Hereth Insurance Consulting at that number. Where required, your consent includes prior express written consent for applicable communications. Commercial text messaging rules require consent, and FCC rules also require opt-out requests to be honored promptly.
Consent to receive text messages is not a condition of purchasing any product or service from us.
You may opt out of SMS communications at any time by replying STOP to any message you receive from us. You may also contact our office directly to request removal from SMS communications.
After opting out, you may receive a final confirmation message confirming your unsubscribe request. We will process opt-out requests as required by applicable law and messaging standards. FCC guidance notes that revocation requests must be honored in a timely manner, and newer FCC rules set an outside limit of 10 business days for covered requests.
For help, reply HELP to any text message or contact our office using the contact information listed below. Messaging providers such as Twilio treat HELP and STOP keywords as standard compliance-related commands.
We may collect personal information you provide to us, including your name, email address, mailing address, phone number, and information relevant to your insurance inquiry or account.
We use this information to:
We do not sell or rent your mobile phone number or personal information to third parties for marketing purposes.
Your use of this website is also subject to our Privacy Policy.
Hereth Insurance Consulting is an independent insurance brokerage. Insurance products may be offered through third-party carriers, wholesalers, brokers, general agencies, and service providers. Coverage availability, underwriting decisions, and policy terms are determined by those third parties, not solely by Hereth Insurance Consulting.
We are not responsible for the terms, conditions, privacy practices, or decisions of third-party carriers or external websites linked from our website.
Content on this website is provided for general informational purposes only and should not be considered legal, tax, financial, or other professional advice. You should consult your attorney, accountant, or other qualified advisor regarding your specific situation where appropriate.
All content on this website, including text, branding, graphics, layout, and other materials, is the property of Hereth Insurance Consulting unless otherwise stated and may not be copied, reproduced, distributed, or used without prior written permission.
This website and its content are provided on an “as is” and “as available” basis without warranties of any kind, express or implied. We do not warrant that the website will be uninterrupted, error-free, secure, or free from viruses or other harmful components.
To the fullest extent permitted by law, Hereth Insurance Consulting shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of, or inability to use, this website or our communications, including reliance on website content or quote-related information.
We may update these Terms & Conditions from time to time. Any changes will be posted on this page with a revised effective date. Your continued use of the website or our messaging services after changes are posted constitutes your acceptance of the updated Terms & Conditions.
By using our website quote form, you understand and agree that Hereth Insurance Consulting does not quote or offer state minimum-only auto insurance policies. Requests for minimum-limit-only coverage may not be processed. Any quote request submitted through this website is subject to underwriting review, carrier requirements, and coverage availability.
Important Notice: Hereth Insurance Consulting does not quote or offer state minimum-only auto insurance policies.
If you have any questions about these Terms & Conditions, please contact us at:
Hereth Insurance Consulting
Phone: (573) 475-4015
Website: herethinsuranceconsulting.com
Address: 1207 W. Broadway, Suite 103, Columbia, MO 65203
