Terms & Conditions

1. About ABIM Insurance

ABIM Insurance is an independent insurance agency serving Colorado. We help customers explore insurance options from carriers with which we are authorized to conduct business.

2. General Information

Website content is for general informational and educational purposes only. Nothing on this website modifies or replaces the terms, exclusions, limits, or conditions of an insurance policy. Actual policy and carrier documents determine coverage.

3. Quotes and Coverage

Submitting a quote request, form, application, document, email, or other information does not create or bind insurance coverage. Quotes are estimates and may change based on underwriting, eligibility, verification, carrier approval, coverage selections, payment, and other requirements.

4. Binding or Changing Coverage

Website or email submissions alone do not bind, activate, renew, cancel, modify, or extend coverage. Coverage changes are effective only when properly confirmed according to the applicable carrier's requirements.

5. Accuracy of Information

Customers are responsible for providing complete and accurate information. Incorrect, incomplete, or omitted information may affect quotes, eligibility, premiums, underwriting, or coverage.

6. Insurance Carriers

Insurance products are issued and underwritten by applicable insurance carriers. Coverage, rates, deductibles, limits, exclusions, discounts, eligibility, and availability vary by carrier and customer.

7. Educational Content

Articles, FAQs, blogs, examples, and coverage explanations are general educational information and are not a complete description of coverage or legal, tax, or financial advice. Review your actual policy documents for specific coverage.

8. Third-Party Websites

ABIM Insurance may link to carrier or third-party websites but is not responsible for their content, availability, security, privacy practices, or terms.

9. Privacy

Use of this website is also subject to the ABIM Insurance Privacy Policy at /privacy-policy.

10. Electronic Communications

By contacting ABIM Insurance electronically, you consent to communications related to your inquiry or insurance services. Electronic submissions do not guarantee an immediate response.

11. Website Availability

We do not guarantee uninterrupted or error-free website access. Content and features may be updated or changed when appropriate.

12. Intellectual Property

Unless otherwise stated, ABIM Insurance website content, graphics, written materials, and original design elements are owned by or licensed to ABIM Insurance and may not be commercially reproduced without authorization.

13. Limitation of Liability

To the extent permitted by law, ABIM Insurance is not responsible for losses resulting solely from reliance on general website information, temporary website unavailability, third-party websites, or inaccurate information submitted by users.

14. Changes

These Terms may be updated periodically. Changes become effective when posted on this website.

15. Governing Law

These Terms are governed by applicable Colorado and federal law.

16. Contact