Terms of Service

Effective Date: September 2026

Welcome to baersolutions.insure, the website of Baer Insurance Solutions, LLC (“Baer Insurance Solutions,” “Baer,” “we,” “us,” or “our”).

Please read these Terms of Service carefully. By accessing or using this website, you acknowledge and agree to these Terms of Service and our applicable website policies.

If you do not agree with these terms, please do not use this website.

  1. ABOUT BAER INSURANCE SOLUTIONS

Baer Insurance Solutions, LLC is licensed by the State of Oklahoma Insurance Department as an Insurance Producer, License No. 3004370205. 

The Oklahoma license currently identifies lines of authority for:

Property | Casualty | Life | Accident & Health or Sickness

For additional information, please review our Licensing & Disclosures page.

Baer Insurance Solutions works with:

Agents of The Insurance Center Agency

Insurance products and services are offered only where the appropriate producer, agency, insurance company and/or other required parties are properly licensed, authorized or appointed, as applicable.

  1. GENERAL INFORMATION ONLY

The information provided on this website is intended for general informational purposes and to help visitors learn about Baer Insurance Solutions and insurance products and services that may be available.

Website content should not be interpreted as a complete description of any insurance policy or as legal, tax, accounting, financial or other professional advice.

Insurance coverage, eligibility, premiums, limits, deductibles, exclusions, conditions and availability vary by applicant, insurance company, policy, property, vehicle, business, location and other underwriting considerations.

If you have questions about a specific insurance need, contact Berek directly.

  1. NO INSURANCE COVERAGE IS CREATED BY USING THIS WEBSITE

Using this website does not create an insurance policy or establish insurance coverage.

Submitting a Request Information form, requesting a quote, sending an email, leaving a voicemail, speaking with someone, or otherwise communicating with Baer Insurance Solutions does not, by itself:

Bind coverage | Create coverage | Modify coverage | Renew coverage | Cancel coverage | Replace coverage | Extend coverage

Insurance coverage becomes effective only after it has been properly authorized and confirmed by the applicable insurance company or authorized insurance representative in accordance with applicable requirements.

Do not cancel, modify or allow existing insurance coverage to expire until any replacement or changed coverage has been confirmed as effective.

  1. REQUEST INFORMATION FORMS

The Request Info forms appearing throughout baersolutions.insure are designed to help start a conversation with Berek.

Submitting one of these forms is not an insurance application unless the form is specifically identified as such.

Information submitted through a general Request Info form does not constitute a request to bind insurance coverage.

The website’s general inquiry forms should not be used to submit highly sensitive underwriting, financial, medical or other information unless specifically requested through an appropriate secure process.

  1. REQUESTS FOR INSURANCE QUOTES

A request for an insurance quote does not guarantee that:

  • Coverage will be available 
  • An insurance company will accept the risk 
  • A particular product will be offered 
  • A quoted premium will remain unchanged 
  • A particular limit or deductible will be available 
  • Coverage will become effective on a requested date 

Quotes may be subject to verification of information, underwriting, inspections, insurance history, driving history, property information, business operations, insurance company guidelines, eligibility requirements and other applicable factors.

A quote is not an insurance binder or insurance policy.

  1. ACCURACY OF INFORMATION PROVIDED BY YOU

You are responsible for providing accurate, current and complete information when requesting insurance information, quotes or services.

Insurance companies and insurance professionals may rely upon information supplied by applicants and insureds.

Incorrect, incomplete, outdated or omitted information may affect:

Eligibility | Premium | Coverage | Underwriting | Policy Terms | Claims

Please notify Berek or the appropriate insurance representative if information you previously provided materially changes.

  1. NO GUARANTEE OF LOWEST PRICE

Baer Insurance Solutions may help customers explore available insurance options and competitive solutions.

However, Baer Insurance Solutions does not guarantee the lowest premium or lowest available price in the marketplace.

We also do not guarantee that a particular insurance company will accept an application or offer a specific product, rate, limit or type of coverage.

Price is only one part of an insurance decision.

Customers should consider coverage, limits, deductibles, exclusions, conditions, insurance company requirements and their individual needs when evaluating insurance options.

  1. INSURANCE POLICY CONTROLS

Descriptions of insurance products and coverages on this website are general summaries only.

Actual insurance coverage is determined by the applicable:

Policy | Declarations | Endorsements | Exclusions | Conditions | Limits | Deductibles

If any information appearing on this website differs from the terms of an issued insurance policy, the applicable insurance policy and related documents control.

Nothing published on this website modifies or expands the terms of an insurance policy.

  1. PERSONAL INSURANCE INFORMATION

Baer Insurance Solutions may provide information concerning personal insurance solutions, including areas such as:

Homeowners Insurance | Auto Insurance | Personal Umbrella | Other Available Personal Insurance Products

Website discussions concerning subjects such as wind and hail, tornadoes, roof coverage, replacement cost, water backup, flood insurance, high-value homes or rental properties are intended to educate consumers and encourage a coverage conversation.

They do not represent that a particular loss, property or circumstance is covered by any specific policy.

Coverage must always be determined from the actual policy and applicable endorsements.

  1. COMMERCIAL INSURANCE INFORMATION

Baer Insurance Solutions may provide information concerning commercial insurance solutions, including:

Business Owners Policies (BOP) | General Liability | Commercial Auto | Workers’ Compensation | Commercial Property | Other Available Commercial Insurance Products

Every business is different.

Information presented on this website does not constitute a determination that a particular business has adequate coverage or that a particular policy is appropriate for every business.

Business owners should discuss their actual operations, employees, property, vehicles, locations and other exposures with an insurance professional.

  1. LICENSING AND GEOGRAPHIC AVAILABILITY

Baer Insurance Solutions, LLC is licensed by the State of Oklahoma Insurance Department as an Insurance Producer, License No. 3004370205. 

Insurance products and services are offered only in jurisdictions where the appropriate licensing and other legal requirements have been satisfied and where the applicable insurance company and product are available.

The ability to access baersolutions.insure from another state does not mean Baer Insurance Solutions, LLC is licensed or authorized to conduct insurance business in that state.

Availability outside Oklahoma may involve other appropriately licensed insurance resources, including Agents of The Insurance Center Agency, and remains subject to applicable licensing, appointments, insurance company availability and state law.

For additional information, see our Licensing & Disclosures page.

  1. INSURANCE COMPANIES AND THIRD-PARTY RESOURCES

Baer Insurance Solutions may work with insurance agencies, insurance companies and other third-party resources in connection with insurance inquiries and services.

Not every insurance company or insurance product is available to every customer.

Insurance products are issued by the applicable insurance company and are subject to that company’s underwriting requirements, policy provisions, exclusions, conditions and eligibility requirements.

Nothing on this website represents that Baer Insurance Solutions has access to every insurance company or every insurance product available in the marketplace.

  1. CLAIMS

Nothing submitted through this website guarantees coverage for a loss or that an insurance claim will be paid.

Claims are evaluated by the applicable insurance company according to the actual policy, facts and circumstances of the claim.

Do not rely solely on the website’s Request Info form to report an insurance claim.

For a claim, follow the claims instructions provided with your insurance policy or contact the applicable insurance company.

You may also contact Berek for assistance identifying the appropriate insurance company or claims contact.

  1. EMERGENCIES

Baer Insurance Solutions’ website, email, voicemail and Request Info forms are not emergency services.

For an emergency involving immediate danger to life, health or property, call 911 or the appropriate emergency service.

Do not rely on website communications for an emergency.

  1. ELECTRONIC COMMUNICATIONS

Email, website forms, text messages and other electronic communications may be delayed, interrupted, misdirected or not immediately reviewed.

Do not rely solely on electronic communication for:

Binding coverage | Changing coverage | Canceling coverage | Reporting urgent claims | Adding vehicles or property | Other time-sensitive insurance matters

A request should not be considered completed until you receive appropriate confirmation.

  1. THIRD-PARTY WEBSITES AND LINKS

This website may contain links to insurance companies, agency resources, service providers or other third-party websites.

Those links are provided for convenience.

Baer Insurance Solutions does not control and is not responsible for the content, availability, accuracy, privacy practices, security or operation of third-party websites.

Your use of a third-party website is subject to that site’s own terms and privacy policies.

  1. PRIVACY

Information collected through baersolutions.insure is also subject to our Privacy Policy.

Please review that policy for information concerning how information may be collected, used, disclosed and protected.

Where applicable, visitors may also review Your Privacy Choices from the website footer.

  1. WEBSITE SECURITY

Baer Insurance Solutions takes reasonable measures appropriate to its website and operations to help safeguard information.

However, no website, internet transmission, email system or electronic storage method can be guaranteed to be completely secure.

Users should avoid transmitting highly sensitive information through general website forms or ordinary email unless specifically instructed to do so through an appropriate secure process.

  1. WEBSITE AVAILABILITY

We make reasonable efforts to maintain baersolutions.insure but do not guarantee that the website will always be:

Available | Uninterrupted | Error-Free | Current | Free From Harmful Components

Website content may be modified, corrected, suspended or removed without notice.

  1. INTELLECTUAL PROPERTY

Unless otherwise indicated, the Baer Insurance Solutions name, original website content, graphics, photographs, design elements and other original materials appearing on baersolutions.insure are owned by or licensed to Baer Insurance Solutions, LLC and are protected by applicable intellectual property laws.

Content may not be copied, reproduced, republished, distributed or commercially used without appropriate permission.

Third-party trademarks, company names, logos and materials remain the property of their respective owners.

  1. PROHIBITED WEBSITE USE

Visitors may not use this website to:

  • Violate applicable law 
  • Attempt unauthorized access to the website or its systems 
  • Introduce malicious code or interfere with website operation 
  • Submit knowingly false or fraudulent information 
  • Impersonate another individual or business 
  • Harvest information from the website through unauthorized means 
  • Use website content in a manner that infringes intellectual property or other legal rights 

Baer Insurance Solutions reserves the right to restrict website access when reasonably necessary to protect the website, its users or its systems.

  1. DISCLAIMER OF WARRANTIES

To the fullest extent permitted by applicable law, this website and its content are provided on an “as is” and “as available” basis.

Baer Insurance Solutions does not warrant that website information will always be complete, current, error-free or suitable for every user’s individual insurance circumstances.

Nothing in this section limits rights that cannot lawfully be limited.

  1. LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, Baer Insurance Solutions, LLC and its representatives will not be liable for damages arising solely from reliance upon general website information, inability to access the website, website errors, electronic transmission failures, or third-party websites or services.

Nothing in these Terms is intended to exclude or limit any responsibility or liability that cannot legally be excluded or limited.

  1. CHANGES TO THESE TERMS

Baer Insurance Solutions may revise these Terms of Service as its website, business practices, insurance relationships or legal requirements change.

The current version will be published on baersolutions.insure with an updated effective or revision date.

Continued use of the website following publication of updated Terms constitutes acceptance to the extent permitted by applicable law.

  1. GOVERNING LAW

These Terms of Service are governed by applicable federal law and the laws of the State of Oklahoma, without regard to conflict-of-law principles, except where another jurisdiction’s law must apply.

Nothing in these Terms is intended to restrict any consumer right or remedy that cannot legally be waived.

  1. CONTACT BAER INSURANCE SOLUTIONS

Questions regarding these Terms of Service or the website may be directed to:

Baer Insurance Solutions, LLC
Berek Dyson — Owner & Insurance Advisor

Mailing Address:
PO Box 57
Jenks, OK 74037

Office: 539-271-2063
Email: [email protected]

Oklahoma Insurance Producer License No. 3004370205

Built on Trust.

Backed by Solutions.