Terms and Conditions


Welcome to Hanneken Insurance. These Terms and Conditions outline the rules and regulations for the use of our website and services.

1. Acceptance of Terms

By accessing this website and using our services, you accept these Terms and Conditions in full. If you disagree with these Terms and Conditions or any part of them, you must not use our website or services.

2. Services

Hanneken Insurance provides insurance services to individuals and businesses. The specific terms and conditions related to each service will be detailed in your policy documents.

3. Privacy Policy

Your use of our services is also governed by our Privacy Policy. Please review our Privacy Policy to understand our practices regarding the handling of your personal information.

4. User Obligations

As a user of our services, you agree to:

  • Provide accurate and complete information when requested.
  • Use our services only for lawful purposes.
  • Respect the intellectual property rights of Hanneken Insurance and others.
  • Not misuse our website by knowingly introducing viruses, trojans, worms, logic bombs, or other material that is malicious or technologically harmful.

5. Intellectual Property

The content, design, and other elements of our website are protected by intellectual property laws. You may not reproduce, distribute, or create derivative works based on our content without our prior written permission.

6. Limitation of Liability

Hanneken Insurance will not be liable for any damages of any kind arising from the use of this site or from any information, content, materials, or products included on this site. This includes direct, indirect, incidental, punitive, and consequential damages.

7. Indemnification

You agree to indemnify, defend, and hold harmless Hanneken Insurance, its officers, directors, employees, agents, and third parties, for any losses, costs, liabilities, and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use our services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules, or regulations.

8. Modifications to the Service and Prices

Hanneken Insurance reserves the right to modify or discontinue the service (or any part or content thereof) without notice at any time. We shall not be liable to you or to any third party for any modification, price change, suspension, or discontinuance of the service.

9. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the state in which Hanneken Insurance operates, without regard to its conflict of law provisions.

10. Contact Information

For any questions about these Terms and Conditions, please contact us at:

Hanneken Insurance

  • Email: info@hannekeninsurance.com
  • Little Falls: 320-632-6592
  • Brainerd: 218-829-3251
  • Pine River: 218-587-2722
  • Pierz: 320-468-6177
  • Fax: 320-632-2968
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