Last Updated: April 28, 2026
By accessing or using the website and services of Chandler Insurance Agency ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our website or services. These Terms apply to all visitors, users, and customers of our website and insurance services in Minnesota and throughout the United States.
Chandler Insurance Agency provides insurance brokerage and agency services, including but not limited to: auto insurance, home and cabin insurance, business and commercial insurance, recreational vehicle insurance, life insurance, and landlord/rental insurance. We also provide online quote tools, appointment scheduling, and educational content related to insurance products and services in Minnesota.
You agree to:
Some features of our website, such as the Client Center portal powered by EZLynx, require you to create an account. You are responsible for maintaining the accuracy of your account information and for all activities that occur under your account. We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent or abusive behavior.
Insurance quotes provided through our website or by our agents are estimates based on the information you provide and are subject to underwriting by the insurance carriers we represent. Final premiums, coverage, and policy terms are determined by the insurance company at the time of binding. We do not guarantee that a quote will result in coverage or that coverage will be available at the quoted price. All insurance policies are subject to the terms, conditions, and exclusions of the issuing insurance carrier.
Premium payments are due as specified in your insurance policy or billing statement. We accept various payment methods, including credit/debit cards, bank transfers, and other options as available. You are responsible for ensuring that payment information is accurate and up to date. Late payments may result in policy cancellation or lapse of coverage. We do not store your full payment card details; payments are processed securely by third-party payment processors.
All content on this website, including text, graphics, logos, images, software, and other materials, is the property of Chandler Insurance Agency or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent, except as permitted for personal, non-commercial use.
To the fullest extent permitted by law, Chandler Insurance Agency, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from: (a) your access to or use of (or inability to access or use) the website or services; (b) any conduct or content of any third party on the website; (c) any content obtained from the website; or (d) unauthorized access, use, or alteration of your transmissions or content.
Our total liability to you for any claim arising out of or relating to these Terms or our services shall not exceed the amount you paid to us for the specific service giving rise to the claim during the twelve (12) months preceding the claim.
You agree to defend, indemnify, and hold harmless Chandler Insurance Agency and its officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from: (a) your use of and access to the website and services; (b) your violation of any term of these Terms; (c) your violation of any third-party right, including without limitation any copyright, property, or privacy right; or (d) any claim that your content caused damage to a third party.
We may terminate or suspend your access to the website and services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the website and services will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
These Terms shall be governed by and construed in accordance with the laws of the State of Minnesota, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in Itasca County, Minnesota, and you hereby consent to the personal jurisdiction and venue therein.
We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our website and services after any revisions become effective, you agree to be bound by the revised Terms.
If you have any questions about these Terms of Service, please contact us:
Chandler Insurance Agency
322 NE 5th Street, Grand Rapids, MN 55744
Phone: (218) 326-4655
Email: home@chandlerinsurancemn.com