Website Terms of Use
Effective Date: September 23, 2026
Welcome to HigherPowerInsurance.com, operated by Higher Power Independent Insurance Agency LLC.
By accessing or using this website, you agree to these Terms of Use.
Informational Purposes
Information on this website is provided for general informational and educational purposes.
Website information does not constitute a guarantee of insurance coverage, eligibility, policy issuance, premium, savings, benefits, claim payment, or acceptance.
Insurance policies and insurer-issued documents control over website content.
No Professional Advice
Unless expressly stated otherwise, information provided through this website does not constitute legal, tax, accounting, investment, securities, medical, or other professional advice.
Insurance Transactions
Submitting an inquiry, contact form, quote request, appointment request, or application does not by itself create an insurance policy, coverage relationship, agency appointment, fiduciary relationship, or guarantee of coverage.
Coverage becomes effective only as confirmed by the applicable insurance company or as provided under the applicable policy or binder.
Third-Party Websites
This website may contain links to third-party websites.
Higher Power Independent Insurance Agency LLC does not control or guarantee the content, security, availability, accuracy, or privacy practices of third-party websites.
Intellectual Property
Unless otherwise indicated, website content, logos, graphics, text, photographs, designs, and other materials are owned by or licensed to Higher Power Independent Insurance Agency LLC and may not be reproduced or distributed without permission.
Accuracy
We attempt to keep website information accurate and current; however, insurance products, rates, availability, laws, regulations, carrier requirements, and other information may change.
We do not guarantee that all website information will always be complete, accurate, current, or error-free.
Limitation of Liability
To the extent permitted by applicable law, Higher Power Independent Insurance Agency LLC will not be liable for losses arising from reliance on general website information, website interruptions, third-party websites, technical errors, or information submitted through an unsecured communication channel.
Nothing in these Terms is intended to waive rights that cannot lawfully be waived.
Governing Law
These Terms are intended to be governed by applicable federal law and the laws of the State of Georgia, except where another jurisdiction's law is required to apply.
Contact
Higher Power Independent Insurance Agency LLC
EMAIL - Sean@HigherPowerInsurance.com
PHONE - (706) 331-1542