Website Terms & Disclosures

About Mountain State Insurance Agency LLC

Mountain State Insurance Agency LLC is a licensed insurance producer business entity offering insurance services in North Dakota and Colorado.

North Dakota Business Entity Insurance License: #19554449
Colorado Business Entity Insurance License: #644858

Our individual insurance producers maintain applicable insurance licenses for the states and lines of insurance in which they conduct insurance business.

General Information Only

The information provided on this website is for general informational purposes. It is not intended to provide a complete description of any insurance policy, coverage, exclusion, limitation, condition, endorsement, rate, or underwriting requirement.

Nothing on this website modifies, expands, replaces, or supersedes the terms or conditions of an insurance policy. In the event of any difference between information on this website and an insurance policy or endorsement, the actual policy documents control.

No Insurance Coverage Is Bound Through This Website

Insurance coverage cannot be bound, added, modified, extended, renewed, or canceled through this website, voicemail, text message, or ordinary email.

A request for a quote, request for information, application, email, telephone message, or other communication does not create insurance coverage and does not constitute an insurance binder.

Coverage or a requested policy change is effective only after it has been confirmed by an authorized insurance representative or insurance carrier in accordance with applicable requirements.

If you need immediate confirmation of insurance coverage or a policy change, please speak directly with a licensed insurance producer and obtain confirmation.

Insurance Quotes

Any insurance quote or estimate is preliminary unless and until coverage has been approved and issued by the applicable insurance carrier.

Quotes may change based on information obtained during the application or underwriting process, including property information, driving records, claims history, insurance history, consumer reports, credit-based insurance information where permitted by law, inspections, carrier guidelines, or other underwriting information.

A quote does not guarantee that insurance will be offered, issued, or available at the quoted premium.

Insurance Carrier and Product Availability

Mountain State Insurance Agency LLC is an independent insurance agency that works with multiple insurance carriers.

We do not represent every insurance carrier or every insurance product available in the marketplace.

Insurance products, coverage options, eligibility, underwriting requirements, discounts, rates, and carrier availability vary by state, property, applicant, and other underwriting factors.

Not all products or carriers are available in every state or for every risk.

Underwriting and Coverage Decisions

Insurance carriers establish their own underwriting guidelines, eligibility requirements, policy terms, coverage limitations, exclusions, rates, and approval requirements.

Mountain State Insurance Agency LLC does not guarantee that any insurance carrier will approve an application, issue a policy, offer a particular coverage, or provide a particular premium.

Review Your Insurance Policy

Insurance customers are responsible for reviewing their insurance policies, declarations pages, endorsements, exclusions, deductibles, limits, and other policy documents.

Please contact us promptly if you have questions about your coverage or believe information contained in your insurance documents is incorrect.

Website Accuracy

We make reasonable efforts to keep information on this website accurate and current. Insurance products, carrier requirements, laws, regulations, rates, and underwriting guidelines may change without notice.

We do not represent that every piece of information on this website will always be complete, current, or applicable to every individual circumstance.

No Legal, Tax, or Financial Advice

Information provided by this website is not legal, tax, accounting, investment, or financial advice.

You should consult an appropriately qualified professional regarding matters requiring legal, tax, accounting, investment, or financial advice.

Electronic Communications

Communications sent through email, voicemail, or other electronic methods may not be immediately received or reviewed.

Do not rely on electronic communications for urgent requests involving insurance coverage, cancellation, reinstatement, or policy changes.

Please do not transmit Social Security numbers, banking information, passwords, or other highly sensitive information through ordinary email unless specifically instructed to use an appropriate secure method.

Third-Party Websites

This website may contain links to websites operated by insurance carriers or other third parties. These links are provided for convenience.

Mountain State Insurance Agency LLC does not control third-party websites and is not responsible for their content, availability, security, privacy practices, or terms of use.

Website Content

Unless otherwise indicated, the text, graphics, branding, layout, and other original content on this website are owned by or licensed to Mountain State Insurance Agency LLC and may not be reproduced or used for commercial purposes without permission.

Insurance carrier names, logos, trademarks, and other third-party intellectual property belong to their respective owners.

Privacy

Your use of this website is also subject to our Privacy Policy, which explains how we collect, use, disclose, and protect personal information.

View our Privacy Policy

Website Availability

We do not guarantee uninterrupted or error-free access to this website. The website may occasionally be unavailable because of maintenance, technical issues, service-provider interruptions, or circumstances outside our control.

Changes to These Terms

Mountain State Insurance Agency LLC may update these Website Terms & Disclosures as our services, website, or legal requirements change.

The current version will be posted on this page. Continued use of the website following an update constitutes use of the website under the updated terms.

Applicable Law

Insurance transactions are subject to applicable federal and state insurance laws and regulations, including the laws of the state in which the insurance transaction occurs.

Nothing in these Website Terms & Disclosures is intended to waive or limit any right or protection that cannot lawfully be waived or limited.

Contact Us

Questions regarding this website or these terms may be directed to:

Mountain State Insurance Agency LLC
1600 E Interstate Avenue, Suite 4
Bismarck, ND 58503

Phone: (701) 561-9400
Email: [email protected]

Effective Date: September 2, 2026