Welcome to the Latham Agency, Inc (“Latham Insurance,” “we,” “us,” or “our”) website. By accessing or using lathaminsurance.com (the “Site”) or by opting in to our text messaging program, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use the Site.

The Site and its content are provided for general informational purposes only. You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of, or restrict the use of, the Site by any third party  

Content on this Site is for informational purposes only and does not constitute legal, financial, or professional insurance advice. Quotes, premium estimates, and product descriptions presented on or through the Site are not binding offers of coverage. No insurance coverage may be bound, amended, or canceled through this Site or by leaving a voicemail, sending an email, or sending a text message. Coverage can only be bound by direct confirmation from a licensed representative of Latham Agency, Inc. All insurance products are subject to the terms, conditions, and exclusions of the actual policy issued.  

By providing your phone number to Latham Agency, Inc and opting in to receive text messages, you agree to the following terms:

Program Description. Latham Agency, Inc sends text messages related to your insurance needs, which may include quote follow-ups, policy and renewal updates, appointment reminders, document requests, billing reminders, and customer service communications.

Consent. By providing your phone number and verbally agreeing with a Latham Agency, Inc representative — or by providing it in writing on an application or form — you consent to receive text messages from us. After you consent, we will send a one-time confirmation text, and you can reply YES to confirm. Consent to receive text messages is not a condition of purchasing any goods or services.

Message Frequency. Message frequency varies based on your interactions with us.

Message and Data Rates. Message and data rates may apply. Please contact your wireless carrier for details about your plan.

Opt-Out. You can opt out of text messages at any time by replying STOP to any message. After you send STOP, we will send a final message confirming your unsubscription. No further messages will be sent unless you opt back in.

Help. For assistance, reply HELP to any message, or contact us directly at 507-825-5824 (Pipestone) or 507-283-9181 (Luverne).

Privacy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties. For more information on how we collect, use, and protect your information, please see our Privacy Policy.

Carrier Liability. Wireless carriers are not liable for delayed or undelivered messages.

Supported Carriers. Our text messaging program is supported by major U.S. wireless carriers; however, availability is not guaranteed on all carriers or devices.

All content on this Site, including text, graphics, logos, images, and design elements, is the property of Latham Agency, Inc or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from any Site content without our prior written consent.

The Site may contain links to third-party websites, including insurance carrier websites. These links are provided for convenience only. Latham Agency, Inc does not control and is not responsible for the content, privacy practices, or terms of any third-party website.

The Site is provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. Latham Agency, Inc does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components, or that information on the Site is complete, accurate, or current.

To the fullest extent permitted by law, Latham Agency, Inc, its officers, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, use of, or inability to use the Site or our text messaging program.

You agree to indemnify and hold harmless Latham Agency, Inc and its officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising out of your use of the Site or your violation of these Terms and Conditions.

We may update these Terms and Conditions from time to time. The “Effective Date” at the top of this page reflects the date of the most recent revision. Your continued use of the Site or participation in our text messaging program after changes are posted constitutes acceptance of the revised terms.

These Terms and Conditions are governed by and construed in accordance with the laws of the State of Minnesota, without regard to its conflict of law provisions. Any disputes arising under these terms shall be resolved in the state or federal courts located in Minnesota.

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

Latham Agency, Inc

Pipestone Office

507-825-5824

303 8th Avenue Southeast, Pipestone, MN 56164

Luverne Office

507-283-9181

108 East Main Street, Luverne, MN 56156