Section 01

Agreement to Terms

These Terms of Use (“Terms”) constitute a legally binding agreement between you, whether personally or on behalf of an entity you represent (“you” or “User”), and Shurr Insurance Agency, LLC (“Shurr,” “we,” “us,” or “our”), concerning your access to and use of our website and any related pages or content (collectively, the “Site”). By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms in their entirety, you must discontinue use of the Site immediately. These Terms apply to all visitors, users, and others who access or use the Site. Your use of the Site constitutes your agreement to these Terms and our Privacy Policy, both of which are incorporated herein by reference.

Section 02

Jurisdiction & Compliance

Section 03

Insurance Disclaimer & Licensing

Nothing on this Site constitutes a binding insurance contract, a guarantee of coverage, or a commitment to insure any person, property, or risk.

Shurr Insurance Agency, LLC is a licensed independent insurance agency in the State of Indiana. Licensure information is maintained with the Indiana Department of Insurance. All insurance products described or referenced on this Site are subject to individual underwriting approval, policy terms, conditions, exclusions, and applicable state laws and regulations. Coverage descriptions on this Site are general in nature and for informational purposes only. Actual coverage is governed solely by the terms of the issued policy. Premium quotes provided through this Site or by our agents are estimates only and are not binding until confirmed in writing by an authorized insurer.

Shurr Insurance Agency, LLC acts as an independent agent and represents multiple insurance carriers. We do not act as an insurer and are not responsible for the solvency, financial condition, or claims-handling practices of any insurer we represent. If you have questions regarding your specific coverage needs, consult directly with a licensed insurance professional. You may also contact the Indiana Department of Insurance at 317-232-2385 or www.in.gov/idoi with any regulatory concerns.

Section 04

Intellectual Property Rights

Unless otherwise stated, the Site and all content on the Site — including but not limited to text, graphics, logos, images, data compilations, and website design (collectively, the “Content”) — are owned by or licensed to Shurr Insurance Agency, LLC and are protected by United States and international copyright, trademark, and other intellectual property laws. You may view, download, and print Content solely for your personal, non-commercial use, provided you do not remove any copyright or proprietary notices. You may not reproduce, distribute, modify, create derivative works from, publicly display, republish, sell, or otherwise exploit any Content without our prior written consent. The Shurr Insurance Agency name, logo, and all related marks and slogans are trademarks of Shurr Insurance Agency, LLC and may not be used without our prior written permission.

Section 05

User Representations & Prohibited Uses

By using the Site, you represent and warrant that you are at least 18 years of age, have the legal capacity to enter into these Terms, and will use the Site only for lawful purposes consistent with all applicable laws and regulations. You also represent that all information you provide is accurate, current, and complete, and that you will not misrepresent your identity, insurance needs, claims history, or any other information material to an insurance transaction. You agree not to access or use the Site through automated means, bots, scrapers, or similar tools; attempt to gain unauthorized access to any portion of the Site or connected systems; transmit malicious code or viruses; use the Site for any fraudulent purpose including submitting false insurance information; frame or mirror any portion of the Site without express written consent; or interfere with the operation, security, or integrity of the Site in any way.

Fraudulent misrepresentation in connection with an insurance application or claim may constitute a criminal offense under Indiana law (IC 35-43-5-4) and may be reported to appropriate authorities.

Section 06

Submissions & Communications

Any information you submit through the Site — including quote requests, contact forms, inquiries, or feedback (collectively, “Submissions”) — is provided voluntarily. While we treat your personal information in accordance with our Privacy Policy, any non-personal Submissions are considered non-confidential and may be used by us for any lawful business purpose without compensation to you. You represent that your Submissions are truthful, accurate, not misleading, and do not infringe any third-party rights. Submission of a quote request or contact form does not create an insurance policy, guarantee coverage, establish an agency-client relationship, or obligate us to provide any service. A licensed agent will follow up with you to discuss your needs.

Section 07

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Policy, to comply with applicable legal, regulatory, and contractual obligations, and to resolve disputes. Retention periods vary based on the type of information and applicable requirements:

• Policy and coverage records: Minimum of 5–7 years following policy expiration, or as required by state insurance regulations
• Claims records: Minimum of 7 years from claim closure, or longer if litigation is pending
• Health and medical records: As required by HIPAA and applicable state law
• Financial transaction records: 7 years as required by federal tax law
• Licensing and E&O compliance records: As required by state regulators

When personal information is no longer required, we securely destroy or de-identify it in accordance with applicable law and our data disposal procedures.

Section 08

Privacy Policy

Your use of the Site and any personal information you provide is subject to our Privacy Policy, which is incorporated into these Terms by reference. In accordance with the Gramm-Leach-Bliley Act (GLBA) and applicable Indiana privacy laws, we may collect, use, and share information including contact information you submit through forms; automatically collected technical data such as IP address, browser type, and device identifiers; location-based data with your permission; and insurance-related information you voluntarily provide. Shurr Insurance Agency, LLC may share personal information with licensed insurance carriers for the purpose of obtaining quotes or placing coverage, to comply with legal obligations, to protect safety, to investigate fraud, or with your explicit consent. By using the Site, you consent to the collection, processing, storage, and transfer of your data as described in our Privacy Policy.

Section 09

Third-Party Websites

The Site may contain links to third-party websites, including those of insurance carriers and other resources. These links are provided solely for your convenience. We do not control, endorse, or guarantee the accuracy of third-party content, and we are not responsible for the privacy practices, terms, or policies of any third-party site. Visiting any third-party website is at your own risk.

Section 10

Site Management

We reserve the right, in our sole discretion and without notice or liability, to monitor the Site for violations of these Terms; take appropriate legal action against users who violate these Terms or applicable law; restrict, suspend, or terminate your access at any time and for any reason; remove or refuse to post any content we deem inappropriate; and modify, update, suspend, or discontinue any portion of the Site at any time without notice. We are not obligated to maintain the Site and shall not be liable for any modification, suspension, or discontinuation.

Section 11

No Professional Advice

The information and content provided on this Site are for general informational purposes only and do not constitute professional insurance, legal, financial, or tax advice. You should not rely on the information on this Site as a substitute for consultation with a licensed insurance professional, attorney, or financial advisor. Always read your policy documents carefully and consult your agent regarding questions about your specific coverage. No information on this Site creates or is intended to create any professional relationship between you and Shurr Insurance Agency, LLC, except as expressly set forth in a separately executed written agreement.

Section 12

Governing Law

These Terms of Use and any disputes arising from or related to your use of the Site shall be governed by and construed in accordance with the laws of the State of Indiana, without regard to its conflict of law principles. To the extent any federal law applies, those laws shall govern in the event of any conflict with state law. You consent to exclusive jurisdiction and venue in the state and federal courts located in Porter County, Indiana for any action or proceeding not subject to arbitration.

Section 13

Dispute Resolution

Please contact us first at contact@shurrinsurance.com to attempt to resolve any concern informally before initiating formal proceedings. Except as set forth below, any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site shall be resolved by final and binding arbitration administered by the American Arbitration Association (AAA) in Valparaiso, Indiana, or by remote means if mutually agreed. The arbitrator’s award shall be final and may be entered as a judgment in any court of competent jurisdiction.

BY AGREEING TO THESE TERMS, YOU WAIVE ANY RIGHT TO A JURY TRIAL WITH RESPECT TO ANY DISPUTE ARISING UNDER OR RELATED TO THESE TERMS OR THE SITE. All disputes shall be resolved on an individual basis; you agree that you will not bring or participate in any class action, collective action, or representative proceeding against us. Nothing in this section prevents either party from seeking emergency injunctive relief in a court of competent jurisdiction, or from filing a complaint with state or federal regulatory agencies, including the Indiana Department of Insurance.

Section 14

Disclaimer of Warranties

The site and all content, information, materials, products, and services available through the site are provided on an “as-is” and “as-available” basis without any warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, shurr insurance agency, llc expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the site will be uninterrupted, error-free, secure, or free of viruses or other harmful components. Your use of the site is at your sole risk.

Section 15

Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall shurr insurance agency, llc, its owners, members, employees, agents, or service providers be liable for any indirect, incidental, special, consequential, or punitive damages; loss of profits, revenue, data, or business opportunities; or any other damages arising from your access to or use of, or inability to access or use, the site. This limitation applies regardless of the theory of liability. In no event shall our total liability to you for all damages exceed the greater of $100 (one hundred u.s. dollars) or the amount paid by you, if any, for accessing this site in the twelve months preceding the claim.

Section 16

Indemnification

You agree to defend, indemnify, and hold harmless Shurr Insurance Agency, LLC and its members, managers, employees, agents, and service providers from and against any claims, liabilities, damages, judgments, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your use of the Site, your violation of these Terms, your violation of any applicable law or regulation, or any inaccurate or false information you submit through the Site.

Section 17

Electronic Communications & E-Sign Consent

By using the Site and providing your contact information, you consent to receive communications from us electronically, including emails, text messages, and online notices. You agree that all agreements, notices, and other communications we provide electronically satisfy any legal requirement that such communications be in writing. In accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and the Indiana Uniform Electronic Transactions Act (IC 26-2-8), electronic signatures are the legal equivalent of manual signatures and are binding upon you. You may withdraw consent to receive electronic communications at any time by contacting us at contact@shurrinsurance.com.

Section 18

Changes to These Terms

We reserve the right to modify these Terms of Use at any time in our sole discretion. When we make changes, we will update the “Last Updated” date at the top of this page. Your continued use of the Site following the posting of revised Terms constitutes your acceptance of those changes. If you do not agree to the revised Terms, you must stop using the Site.

Section 19

Contact

You can contact us about these Terms by writing, calling, or emailing us at:

Shurr Insurance Agency, LLC
833 Lincolnway
Valparaiso, Indiana 46383
Phone: (219) 462-1146
Email: contact@shurrinsurance.com

Consumers may also contact the Indiana Department of Insurance at 311 W. Washington St., Suite 300, Indianapolis, IN 46204 | Phone: 317-232-2385 | www.in.gov/idoi