Effective July 18, 2026
Terms & Conditions
These Terms govern use of vhinsuranceagency.com, operated by Veronica Hicks Insurance Agency LLC (“Agency,” “we,” “us,” or “our”). By using this website, you agree to these Terms.
1. Informational purpose
Website content is general educational information and is not insurance, legal, tax, investment, or financial advice. Content does not replace a consultation, application, policy, endorsement, declaration, or other carrier-issued document.
2. No coverage is bound online
Submitting a form, sending an email, leaving a voicemail, requesting a quote, or scheduling an appointment does not create an agency-client relationship and does not bind, change, renew, cancel, or extend insurance coverage. Coverage is effective only when confirmed in writing by an authorized insurer or producer and all applicable requirements have been satisfied. Do not use this website or email for urgent coverage changes, claims, cancellations, or time-sensitive instructions.
3. Quotes and availability
Quotes are estimates based on information provided and are subject to carrier review, underwriting, eligibility, availability, verification, policy terms, and payment. Rates, limits, deductibles, discounts, and coverage are not guaranteed. The issued policy and endorsements control if website content conflicts with policy documents.
4. Licensing and geographic limitations
Insurance products and services are offered only in jurisdictions where the Agency and responsible producer hold the required licenses and appointments. Property and casualty and life-insurance availability may differ by state, carrier, and product. Website access from a location does not constitute an offer where the Agency is not authorized.
5. Your responsibilities
You agree to provide complete, current, and accurate information; review applications and policy documents; promptly report errors or changes; protect passwords and sensitive information; and avoid submitting unlawful, misleading, or fraudulent information.
6. Claims and emergencies
This website is not a claims-reporting or emergency service. Report claims through the instructions provided by your carrier or policy. For emergencies, call 911 or the appropriate emergency service.
7. Third-party services and links
The website may link to insurers, scheduling providers, form providers, Google reviews, and other third parties. Their services, security, availability, content, and privacy practices are governed by their own terms. A link does not imply endorsement or responsibility for third-party content.
8. Intellectual property and acceptable use
Website text, branding, layout, graphics, and original media are owned by or licensed to Veronica Hicks Insurance Agency LLC. You may view and print reasonable portions for personal, noncommercial use. You may not misuse the website, interfere with its operation, attempt unauthorized access, introduce malicious code, scrape content at scale, or use materials deceptively.
9. Disclaimer and limitation
The website is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim implied warranties regarding availability, accuracy, merchantability, fitness for a particular purpose, and noninfringement. To the fullest extent permitted by law, the Agency will not be liable for indirect, incidental, special, consequential, or punitive damages arising from website use. Nothing in these Terms excludes rights or liability that cannot legally be excluded.
10. Changes and governing law
We may update the website and these Terms by posting a revised effective date. These Terms are governed by applicable United States and Arkansas law, without overriding mandatory protections that apply in another jurisdiction.
11. Contact
Veronica Hicks Insurance Agency LLC
Mena, Arkansas 71953
479-437-9871
veronica@vhinsuranceagency.com