Terms and conditions

This website, bettersinsurance.com, is operated by Nathan Betters Insurance Agency LLC ("Betters Insurance", "we", "us"), an independent insurance agency based in Maplewood, Minnesota (NPN 17401760). By using this website you agree to these terms. If you do not agree, please do not use it.

You can reach us at 612-438-3377 or support@bettersinsurance.com.

Forms on this website, including the quote, certificate, policy change and contact forms, are requests only. We will review your request and respond, usually by email or phone during business hours. We cannot promise a response time, and we are not obliged to offer you a quote or a policy.

Urgent matters. A message sent through this website may not be read immediately. For anything urgent, such as an accident, a claim or a loss, call your carrier's claims line or call us. Do not rely on the website forms to report a claim or to request coverage you need right away.

Accuracy. Please give accurate and complete information. A quote or policy based on incorrect or missing information may be changed, refused or cancelled, and a claim may be affected.

Sensitive details. Do not send Social Security numbers, bank or card numbers, or health information through the website forms or by ordinary email. We will tell you how to send those securely if we need them.

You agree to use this website only for lawful purposes and to ask about insurance for yourself or for someone who has authorized you to. You agree not to:

• submit false, misleading or fraudulent information, or information about another person without their permission;
• try to gain unauthorized access to the website, its forms or its servers, or interfere with how they work;
• use automated tools to copy, scrape or overload the website, or to send bulk or unsolicited messages through our forms;
• upload anything harmful, such as malware or code meant to disrupt or damage a system.

We may block access or ignore requests that we believe break these rules.

When you contact us through this website we collect the information you submit, such as your name, contact details and what you want covered, and we use it to respond to your request and to provide the service you ask for. Insurance agencies are also required to keep certain records. We do not sell the information you submit through our forms.

No website or email transmission is completely secure, which is why we ask you not to send sensitive details through the website. Our privacy policy explains in full what we collect, who sees it and your choices. If you have a question about how we handle your information, contact us using the details on this page.

Changes. We may update these terms from time to time. The effective date at the top shows the latest version, and using the website after a change means you accept the updated terms.

Governing law. These terms are governed by the laws of the State of Minnesota, without regard to its conflict-of-law rules.

If part is unenforceable. If a part of these terms is found unenforceable, the rest stays in effect.

Licensing. We are licensed to sell insurance only in the states where we hold a license. Nothing on this website is an offer or a solicitation in a state where we are not licensed. A list of the states where we are licensed is available on request.