Terms of Service

Last Updated: 12/10/2025

Agreement to Terms

By accessing or using the services of Philip Baker Insurance Services ("we," "our," or "us"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

Services Provided

Philip Baker Insurance Services is an independent insurance agency providing insurance quotes, policy placement, and related services. We represent multiple insurance carriers but are not affiliated with any single carrier.

No Guarantee of Coverage

Submitting a request for a quote does not guarantee that coverage will be available or that you will qualify for insurance. All coverage is subject to underwriting approval by the insurance carrier.

SMS Marketing Terms

By opting in to receive SMS marketing messages from Philip Baker Insurance Services, you agree to the following terms:

You consent to receive marketing text messages about insurance products, services, and promotions
Message frequency: Monthly or less
Message and data rates may apply based on your mobile carrier's plan
You can opt-out at any time by replying STOP to any message
For help or more information, reply HELP or contact us at (610) 916-9010
We will not share your mobile number with third parties for marketing purposes
Carriers are not liable for delayed or undelivered messages

Accuracy of Information

You agree to provide accurate, current, and complete information when requesting quotes or purchasing insurance. Inaccurate information may result in denial of coverage or cancellation of a policy.

Communication

By providing your contact information, you consent to receive communications from us via phone, email, or mail regarding your insurance needs and our services.

Privacy

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

Limitation of Liability

Philip Baker Insurance Services acts as an intermediary between you and insurance carriers. We are not liable for any decisions made by insurance carriers regarding coverage, claims, or policy terms.

Professional Advice

Information provided on our website or through our communications is for general informational purposes only and should not be considered professional insurance advice specific to your situation. We recommend consulting with one of our licensed agents for personalized guidance.

Modification of Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes constitutes acceptance of the modified terms.

Governing Law

These Terms of Service are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law provisions.

Contact Information

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

Philip Baker Insurance Services
8520 Allentown Pike Unit 4
Blandon, PA 19510
Phone: (610) 916-9010
Email: info@philipbakerinsurance.com
Hours: Monday - Friday, 8:00 AM - 4:00 PM