Terms & Conditions

1. Acceptance of Terms

By accessing or using the services of Behrends Agency Inc, doing business as Scott Insures Colorado ("we," "us," or "our"), including our website at scottinsuresco.com, or by submitting your information to us or our lead generation partners, you agree to be bound by these Terms and Conditions.

2. About Our Services

Behrends Agency Inc is a licensed insurance agency located at 8355 South Wadsworth Boulevard, Suite 102, Littleton, Colorado 80128. We are a captive agent for Farmers Insurance Group. Our services include providing insurance quotes, policy recommendations, and ongoing customer support for auto, home, and related insurance products available in Colorado.

3. SMS / Text Message Program

By providing your mobile phone number — either directly to us or through a third-party lead generation platform such as EverQuote, SmartFinancial, or QuoteWizard — you consent to receive text messages from Behrends Agency Inc at that number. Your consent is not a condition of purchase.

4. Quote and Policy Information

All insurance quotes provided are estimates only and are subject to underwriting review and approval by Farmers Insurance Group. Final premiums may vary based on additional information gathered during the application process. We make no guarantee that a specific rate or policy will be available to any individual applicant.

5. No Legal or Financial Advice

The information provided on our website and through our communications is for general informational purposes only and does not constitute legal, financial, or professional advice. You should consult with a qualified professional before making any insurance decisions.

6. Third-Party Lead Sources

We receive leads from third-party platforms including EverQuote, SmartFinancial, and QuoteWizard. When you submit your information on those platforms requesting an insurance quote, you consent to be contacted by insurance agents. We are not responsible for the privacy practices or terms of those third-party platforms.

7. Website Use

You agree to use scottinsuresco.com only for lawful purposes. You may not:

• Use the site in any way that violates applicable federal, state, or local laws
• Attempt to gain unauthorized access to any portion of the site
• Transmit any unsolicited or unauthorized advertising or promotional material
• Submit false or misleading information in any form

8. Intellectual Property

All content on scottinsuresco.com, including text, graphics, logos, and images, is the property of Behrends Agency Inc or its licensors and is protected by applicable intellectual property laws. You may not reproduce or distribute any content without our express written permission.

9. Limitation of Liability

To the fullest extent permitted by law, Behrends Agency Inc shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services or website, even if we have been advised of the possibility of such damages.

10. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Jefferson County, Colorado.

11. Changes to These Terms

We reserve the right to update these Terms and Conditions at any time. Changes will be effective upon posting to this page with an updated effective date. Your continued use of our services after any changes constitutes your acceptance of the new terms.

12. Contact Us

If you have any questions about these Terms and Conditions, please contact us: