Privacy Policy and Terms of Use

We value you as a customer and we know how much privacy means to you. We will always attempt to inform you of our policies for collecting, using, securing, and sharing information as a Midwest United Insurance Services customer or potential customer.

Our Privacy Principles:

  • We do not sell customer information.
  • We do not allow those who are doing business on our behalf to use our customer information for their own marketing purposes.
  • We contractually require any person or organization providing products or services on our behalf to protect Midwest United Insurance Services customer information.
  • We do not share customer medical information with anyone outside Midwest United Insurance Services unless:
    • You expressly authorize it; or
    • It is permitted or required by law; or
    • Your insurance policy contract with us permits us to do so.
  • We afford our prospective and former customers the same protections as existing customers with respect to the use of personal information.

Information We May Collect

We collect, use, and share information we need to conduct our business, to advise you of our products and services, and to provide you with customer service. We may collect and maintain several types of customer information needed for these purposes, such as those below.

Types of information we may collect and how we gather it:

  • From your insurance applications, other policies or products you have with us and through telephone or in-person interviews with your Midwest United Insurance Services agent
  • From your transactions or experiences with us such as your payment history, underwriting, and claim records
  • From consumer reporting agencies such as driving records, claim history, or credit information

For those visiting

We want to make you aware of how we use "cookies" to enhance your experience when visiting "Cookies" are files we place in your computer's browser to store information about your browsing habbits on our website for tracking and statistical purposes. Our "cookies" are only used when you are visiting our site. By themselves, "cookies" do not tell us your e-mail address or other personally identifiable information. Only you can provide that information on our Website, if you choose to do so. "Cookies" help us to understand your website usage so we can continually improve its usability. For example, we may use "cookies" to personalize your experience at our website. We may also use "cookies" to offer you other insurance and financial services products that may suit your needs.

How We Use This Information

We use customer information, including consumer report information, to underwrite and/or rate your policies and products, process your claims, ensure proper billing, service your accounts, and offer you other insurance and financial services products.

Information Disclosure

We share information about our transactions (such as payment of premium) and experiences (such as an auto accident) with you within our Midwest United Insurance Services business and with cooperating insurance agents to better serve you and to help meet your current product and service needs. We may share information about you with persons or organizations inside or outside our business as permitted or required by law, including sharing with companies that perform marketing or other services for us or with whom we have joint marketing agreements. These agreements allow us to provide a broader selection of insurance and financial products to you.

We may also share customer information with consumer reporting agencies and with other entities as needed to handle your claim and to protect against fraud and unauthorized transactions. For example, we might share name, address, and coverage information with an auto body shop to speed up repairs on auto damage claims.

Information Protection

In order to ensure the safety of customer information, we continually:

  • Maintain physical, electronic, and procedural safeguards
  • Review our policies and practices
  • Monitor our computer networks

Your Use of This Site

You may not use this site to engage in any illegal activity. You may not use this site to engage in conduct which is defamatory, libelous, threatening or harassing or that infringes on a third party's intellectual property or other proprietary rights. You agree that any information you provide through this site will be truthful and accurate.

E-mails to Midwest United Insurance Services addresses

The Midwest United Insurance Service e-mail system is a private e-mail system intended only for purposes authorized by Midwest United Insurance Services. You are not authorized to send numerous unsolicited commercial e-mail messages to any e-mail addresses at Midwest United Insurance Services reserves the right to take necessary action to prevent the misuse of its e-mail system by unauthorized parties.

Disclaimer of Warranties

Any information, services, materials, software, calculators or other items on this site are provided "as is" without any warranty, either expressed or implied, including without limitation the implied warranties of merchantability and fitness for a particular purpose. Midwest United Insurance Services does not warrant that this site will be uninterrupted or error fee. Any risk arising out of use or performance of the information, services, materials, software, calculators or other items remains entirely with you. Under no circumstances will Midwest United Insurance Services be liable for any damages whatsoever arising out of the use or performance of the information, services, materials, software, calculators or other items.

Secured areas/passwords

Some portions of this site are restricted and require authorization for access. Unauthorized use of or access to these areas is prohibited. Actual or attempted unauthorized use may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas.

Midwest United Insurance Services Intellectual Property Rights

Intellectual property rights of third parties may apply where noted, including other insurance provider logos displayed on the homepage and "About Us" pages. Except where otherwise indicated, all materials on this site including but not limited to graphics, text, software, audio, video, and files, are the property of Midwest United Insurance Services and are protected by copyright or other intellectual property laws.

Midwest United Insurance Services reserves all rights to its intellectual property. You may print out a single copy of pages on this site for your personal, non-commercial use provided that all copyright, trademark or other notices are retained. ALL OTHER USES ARE PROHIBITED.

You are not authorized to use any portion of this site or any other Midwest United Insurance Services intellectual property on any other site, in the meta-tags of any other site or in any other materials. You may not modify, publish, create derivative works, copy, distribute, or otherwise use any of this site's content or frame this site within any other site.

Links to/from other sites

For your convenience, Midwest United Insurance Services may provide links to other Internet sites that Midwest United Insurance Services does not maintain. You should not interpret any link to/from other sites as indicating that Midwest United Insurance Services sponsors or endorses the sites or their materials or that the sites are affiliated with Midwest United Insurance Services in any manner. Midwest United Insurance Services is not responsible for anything contained on such sites and makes no warranties or representations about the contents, products or services offered on such sites. Midwest United Insurance Services is not responsible for and makes no warranties or representations about the content, products or services offered on any sites that you may elect to use in connection with this site.

Availability of products and services

Not all of the products or services described on this site are available in all states or provinces. You may not be eligible for all products and services, and Midwest United Insurance Services reserves the right to determine such eligibility as permitted by law. Where noted, certain products or services may be subject to specific terms, conditions, representations or agreements.

Other agreements

These "Terms and Conditions" apply to your use of this site and do not change or alter any other contract or agreement between you and Midwest United Insurance Services.

Insurance quotes/coverages

At this time, online quotes may not be available for all states or provinces, products, services or coverage selections. For additional information about products, services or coverage selections otherwise offered by Midwest United Insurance Services, please contact a Midwest United Insurance Services agent

All quotes generated by this site are estimates based upon the information you provided and are not a contract, binder, or agreement to extend insurance coverage. Any coverage descriptions provided on this site are general descriptions of available coverages and are not a statement of contract. To obtain coverage you must submit an application to Midwest United Insurance Services. All applications are subject to underwriting approval. Coverages and availability may vary by state or province and additional minimum coverage limits may be available in your state.

Online claims submissions

If you are a Midwest United Insurance Services customer, you may elect to report an insurance claim online where available. Your submission does not commit Midwest United Insurance Services to coverage for this loss. Information you submit regarding your insurance policy and the loss is subject to review and verification. Midwest United Insurance Services reserves the right to request additional information. Prior to reaching a decision on the claim, a claim representative will be communicating with you. All policy provisions contained in your policy remain in effect. If you have any questions concerning the coverage afforded by your policy, please contact your Midwest United Insurance Services agent.

Changes to this document

The content of this site and of these "Terms and Conditions" are subject to change without prior notice.

Applicable law/severability

These "Terms and Conditions" shall be governed by and interpreted according to the laws of the State of Minnesota without respect to any conflict of laws provisions. If any portion of these "Terms and Conditions" is unlawful, void or unenforceable, it shall not affect the validity or enforceability of any other provision.