📄 Terms and Conditions

Effective Date: 04/02/2026

1. Agreement to Terms

By accessing and using www.sibleyinsuranceagency.com, you agree to be bound by these Terms and Conditions.
If you do not agree, please do not use this website.

2. Services Provided

Sibley Insurance Agency provides:

Insurance quotes (auto, home, business, and other lines)

Insurance-related information

Communication and customer service support

All quotes are estimates only and are not guarantees of coverage or pricing.

3. No Guarantee of Coverage

Submitting information through this website:

Does not bind coverage

Does not guarantee issuance of a policy

Does not create an insurance contract

Coverage is only confirmed when:

Application is signed by named insured

Application is approved by a carrier

Payment is accepted

Policy is issued

4. Accuracy of Information

You agree to provide accurate and complete information.

Providing false or incomplete information may:

Result in denial of coverage

Affect pricing

Lead to policy cancellation

5. Communications Consent

By submitting your information, you agree that Sibley Insurance Agency may contact you via:

Phone calls

Emails

Text messages (SMS/MMS)

Message frequency may vary.
Message and data rates may apply.

You may opt out of text messages at any time by replying STOP.

We comply with:

Federal Communications Commission

Telephone Consumer Protection Act

6. Use of Website

You agree not to:

Use the website for unlawful purposes

Attempt to gain unauthorized access

Interfere with website functionality

Submit false or misleading information

7. Intellectual Property

All content on this website—including text, graphics, logos, and design—is the property of Sibley Insurance Agency and may not be copied or used without permission.

8. Third-Party Services

We may work with:

Insurance carriers

Technology providers (CRM, communication systems, etc.)

We are not responsible for third-party services or their actions.

9. AI & Automated Systems Disclosure

Sibley Insurance Agency may use:

AI assistants

Automated messaging systems

Call routing and recording systems

These tools are used to improve customer service and efficiency.

Information provided by AI systems is for general assistance only and should not be relied upon as binding insurance advice.

10. Limitation of Liability

To the fullest extent permitted by law:

Sibley Insurance Agency is not liable for:

Errors or omissions on the website

Delays in communication

Inaccurate quotes or estimates

Decisions made based on website information

Use of this website is at your own risk.

11. Indemnification

You agree to indemnify and hold harmless Sibley Insurance Agency from any claims, damages, or expenses resulting from your use of the website or violation of these terms.

12. Privacy

Your use of this website is also governed by our Privacy Policy.

13. Changes to Terms

We may update these Terms and Conditions at any time.
Changes will be posted with a revised effective date.

14. Governing Law

These Terms shall be governed by the laws of the State of Indiana.

15. Contact Information

Sibley Insurance Agency
Email: [email protected]
Phone: 574-707-8668
Website: www.sibleyinsuranceagency.com