Terms of Use

Effective Date: March 4, 2025

Welcome to the H.B. Cowan & Company Insurance website. By accessing, using, or interacting with our website and services, you agree to comply with and be bound by the following Terms of Use. If you do not agree to these terms, please do not use our website.

1. Acceptance of Terms

By using our site, you affirm that you are of legal age to enter into these terms or that you have consent from a guardian to do so.

2. Modification of Terms

H.B. Cowan & Company Insurance reserves the right to update or modify these Terms of Use at any time without prior notice. Your continued use of the website following any changes constitutes acceptance of the revised terms.

3. Use of Our Website

You agree to use the website only for lawful purposes and in a manner that does not infringe upon the rights of, or restrict or inhibit the use of this website by any third party.

4. Intellectual Property

All content included on this site, such as text, graphics, logos, images, and software, is the property of H.B. Cowan & Company Insurance or its licensors. You may not reproduce, distribute, or create derivative works based on this content without express written permission.

5. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis. H.B. Cowan & Company Insurance makes no representations or warranties of any kind, express or implied, regarding the operation of the site, the information, content, materials, or products included on this site.

6. Limitation of Liability

To the fullest extent permitted by law, H.B. Cowan & Company Insurance shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use of this website or the inability to use the services provided.

7. Links to Third-Party Sites

Our website may contain links to third-party sites. H.B. Cowan & Company Insurance does not control these sites and is not responsible for their content or practices. We encourage you to review the terms of use and privacy policies of any third-party sites you visit.

8. Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of laws principles. Any disputes arising from these terms shall be resolved in the courts located in Bedford County, Tennessee.

9. Contact Information

For any questions or concerns about these Terms of Use, please contact us at:

H.B. Cowan & Company Insurance
710 N Brittain Street, Ste. A
Shelbyville, TN
Email: bderryberry@hbcowan.com
Phone: (931) 684-3323

By using our website, you acknowledge that you have read and understood these Terms of Use.