Agreement to Terms
These Terms and Conditions constitute a binding agreement between you and Kelleher Insurance ("Company," "we," "us," or "our"). By accessing and using this website, you agree to be bound by these terms. If you do not agree with any part of these terms, please do not use this website.
Disclaimer: Educational Information
The information provided on this website, including blog posts, articles, and guidance, is for educational purposes only. It is not intended as legal, tax, or investment advice. The information does not constitute a professional recommendation tailored to your specific situation.
Insurance products are regulated by state law and subject to terms, conditions, limitations, and exclusions. Before purchasing any insurance, carefully review the policy document and summary of benefits and coverage. Insurance benefits and coverage are determined by the insurance carrier, not by Kelleher Insurance.
No Professional Relationship Without Explicit Agreement
Accessing this website or receiving information does not create a broker-client relationship. A professional relationship is established only when you and Kelleher Insurance execute a written representation agreement and you formally become our client.
Limitation of Liability
To the fullest extent permitted by law, Kelleher Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits or damages resulting from:
- Your reliance on information provided on this website
- Insurance policy terms or coverage decisions made by insurance carriers
- Errors, omissions, or inaccuracies in website content
- Website downtime or technical issues
- Your use or inability to use the website or services
Accuracy of Information
While we strive to provide accurate information, we make no warranty regarding the accuracy, completeness, or timeliness of content. Insurance regulations, rates, and available products change frequently. Information on this website may not reflect current terms, conditions, or availability.
You are responsible for verifying all information with appropriate professionals before making decisions. Contact Destini Kelleher directly for current, accurate information about specific insurance products.
No Guarantee of Results
We cannot guarantee approval for any insurance quote, coverage, or specific rates. Approval depends on insurance carrier underwriting, your health status, claims history, and other factors beyond our control. Rates and coverage may differ from what is quoted on this website.
Intellectual Property Rights
All content on this website—including text, graphics, logos, images, and software—is the property of Kelleher Insurance or its content providers and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or transmit this content without explicit written permission.
User Conduct
You agree not to use this website to:
- Violate any applicable laws or regulations
- Transmit viruses or malicious code
- Harass, abuse, or harm others
- Interfere with website functionality or security
- Engage in unauthorized access to systems
- Infringe on intellectual property rights
Third-Party Links
This website may contain links to third-party websites. We are not responsible for the content, accuracy, or practices of external sites. Your use of third-party websites is subject to their terms and conditions and privacy policies.
Insurance Broker Disclosures
Destini Kelleher is a licensed independent insurance broker. As a broker, she may receive compensation (commissions) from insurance carriers for policies sold. This does not increase your cost. Commissions are paid by insurance carriers, not by clients.
As an independent broker, Destini Kelleher represents multiple insurance carriers and can recommend products from different companies based on your needs, not on commission considerations.
State License Information
Destini Kelleher holds appropriate state licenses as an insurance broker. License details and verification are available upon request. Contact [email protected] for license information.
Modifications to Terms
We reserve the right to modify these Terms and Conditions at any time. Changes are effective when posted to this website. Your continued use following modifications constitutes acceptance of updated terms.
Entire Agreement
These Terms and Conditions, together with our Privacy Policy, constitute the entire agreement between you and Kelleher Insurance regarding your use of this website and services.
Governing Law
These Terms and Conditions are governed by and construed in accordance with the laws of the State of Tennessee, without regard to conflicts of law principles.
Contact Information
For questions about these Terms and Conditions, please contact:
Destini Kelleher
Kelleher Insurance
Email: [email protected]
Phone: (615) 314-3301
Last updated: 2026