Terms of service.

Effective Date: March 17, 2026
Last Updated: March 17, 2026

Please read these Terms of Service (“Terms”) carefully before using www.clairassociates.com (the “Site”) operated by Daniel R. Clair dba Clair Associates Insurance (“we,” “us,” or “our”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use the Site.

About our site.

Clair Associates Insurance is an independent insurance agency located in Apollo, Pennsylvania. Our Site provides general information about insurance products, our agency, and our services. The Site also allows visitors to request quotes, contact our team, and access account services.

Information purposes only.

The content on this Site is provided for general informational purposes only and does not constitute insurance advice, a binding offer of coverage, or a contract of insurance. Information on this Site may not describe all terms, conditions, limitations, or exclusions of any insurance product. If there is any conflict between information on this Site and the terms of an applicable insurance policy, the policy controls.

You should not rely solely on information presented on this Site when making insurance decisions. We encourage you to speak directly with one of our agents to discuss your specific needs and circumstances.

Quotes, coverage, and binding.

Any quote, estimate, or indication of premium shown on this Site or provided in response to your inquiries is an estimate only and does not guarantee coverage or pricing. Coverage is not bound and no insurance is in force unless and until a policy is issued by an insurance company and all requirements for coverage are satisfied, including receipt of any required premium. Final terms of any insurance policy are determined by the issuing carrier upon completion of the underwriting process.

Insurance carriers and third-party products.

Clair Associates Insurance is an independent insurance agency. We are not an insurance company. We provide access to insurance products offered and underwritten by third-party insurance carriers. Some products may be administered or serviced by third parties.

We cannot guarantee coverage, benefits, or claim outcomes. Claims are handled by the issuing insurer or its designated administrators. Each carrier maintains its own policy terms, underwriting guidelines, and privacy practices. We encourage you to review the terms and policies of any carrier whose product you are considering.

Availability by state.

Insurance products and services described on this Site are offered only in states where Daniel R. Clair dba Clair Associates is properly licensed and where products are available. Eligibility, rates, and coverages may vary by state and by insurer. Not all products or coverages described on this Site are available in all states.

No agent-client relationship.

Use of this Site alone does not establish an agent-client relationship between you and Clair Associates Insurance. An agent-client relationship is formed through the insurance application, quoting, and policy issuance process in accordance with applicable Pennsylvania law and the terms of the relevant insurance carrier.

Accuracy of information you provide.

When submitting information through our forms, requesting a quote, or communicating with us through the Site, you agree to provide accurate, current, and complete information. Misstatements or omissions may impact eligibility, premium, or coverage, and may result in cancellation or denial of a claim, subject to the applicable policy terms and law.

Electronic communications.

By using this Site or submitting information through our forms, you agree that Clair Associates Insurance and its insurance partners may communicate with you electronically (including by email) regarding quotes, policy servicing, appointment reminders, and follow-up related to your inquiries. This section applies to routine business communications and does not constitute consent to electronic delivery of notices that are required by law to be provided in writing, which may require separate authorization.

Text messages and phone calls.

If you provide a phone number and give your express consent through one of our forms (such as by checking an opt-in box on a quote request or contact form), you consent to be contacted by Clair Associates Insurance and its service providers using the contact information you provide. This may include phone calls or text messages for account servicing, appointment reminders, and quote follow-up.

Message and data rates may apply. You may revoke your consent to marketing text messages or calls at any time by replying STOP, contacting our office, or by any other reasonable means. Revoking marketing consent will not affect transactional messages related to your active policies or account.

This section supplements, but does not replace, any consent provided at the point of contact. The specific consent language presented on our forms at the time you submit your information governs the scope of communications you have authorized.

Intellectual property.

All content on this Site, including but not limited to text, graphics, logos, images, and software, is the property of Clair Associates Insurance, our content providers, or our licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written consent.

“Clickable Coverage®” is a registered trademark of FMG Suite, LLC, d/b/a Agency Revolution. Other trademarks, service marks, and logos displayed on this Site are the property of their respective owners.

Third-party links and embedded services.

Our Site may contain links to third-party websites, including insurance carrier websites, payment portals, and other resources. These links are provided for your convenience only. We do not control, endorse, or assume responsibility for the content, privacy practices, or availability of any third-party sites. Your use of third-party websites is at your own risk and subject to their respective terms and policies.

Our Site also uses embedded third-party services, including JotForm for certain online forms (such as quote request forms). When you interact with these embedded services, your data may be collected and processed by those third-party providers in accordance with their own privacy policies. By submitting information through these embedded forms, you acknowledge that your data will be processed by the applicable third-party service in addition to Clair Associates Insurance. We encourage you to review the privacy policies of any third-party services you interact with through our Site.

Limitation of liability.

To the fullest extent permitted by law, Clair Associates Insurance shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use this Site. This includes, without limitation, damages resulting from errors, omissions, interruptions, or delays in the Site or its content.

We make no warranties or representations, express or implied, regarding the accuracy, completeness, reliability, or availability of the Site or its content. The Site and all content are provided “as is” and “as available” without warranty of any kind.

Indemnification.

You agree to indemnify and hold harmless Clair Associates Insurance, its owners, employees, and agents from any claims, damages, losses, liabilities, or expenses (including reasonable attorney fees) arising from your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

Privacy.

Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. Our Privacy Policy is incorporated into these Terms by reference and is available at www.clairassociates.com/privacy-policy.

Prohibited uses.

When using our Site, you agree not to:

Use the Site for any unlawful purpose or in violation of any applicable law or regulation

Attempt to gain unauthorized access to any portion of the Site or its systems

Interfere with or disrupt the operation of the Site or the servers or networks connected to it

Submit false, misleading, or fraudulent information through any form on the Site

Use automated tools (bots, scrapers, etc.) to access, collect, or copy content from the Site without our written permission

Governing law.

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law provisions. Any legal action arising from or related to these Terms or your use of the Site shall be brought exclusively in the courts of Armstrong County, Pennsylvania or the applicable federal court.

Changes to these terms.

We reserve the right to update or modify these Terms at any time without prior notice. Changes will be effective immediately upon posting to this page. Your continued use of the Site after any changes constitutes acceptance of the revised Terms. We encourage you to review this page periodically.

Severability.

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

Contact us.

If you have questions about these Terms of Service, please contact us:

Daniel R. Clair dba Clair Associates Insurance
114 North Plaza
Apollo, PA 15613
Phone: 724-478-3262
Email: