Terms of Use
Last Updated: August 24, 2026
Patterson Collective Insurance Agency – Pattersoninsures.com
Acceptance of These Terms
These Terms of Use govern your access to and use of Pattersoninsures.com and the online services, forms, scheduling tools, resources, and other features made available by Patterson Collective Insurance Agency through this website.
By accessing or using this website, you agree to these Terms of Use. If you do not agree with these terms, please do not use the website.
Additional terms may apply to certain insurance products, applications, communications, carrier services, or third-party platforms. Those terms will apply in addition to these Terms of Use when relevant.
Insurance Information Is General
The information on this website, including articles, guides, FAQs, coverage descriptions, examples, and other educational materials, is provided for general informational and educational purposes only. It does not constitute legal, tax, financial, accounting, or individualized insurance advice, and should not be relied on as a substitute for reviewing an actual policy or speaking with an appropriate professional. Coverage, eligibility, limits, exclusions, terms, underwriting, and availability vary significantly by insurance company, jurisdiction, specific policy, and individual circumstances.
No Coverage Is Bound by Website Submission
Submitting a form, quote request, service request, email, text message, voicemail, appointment request, uploaded document, or other communication through this website does not bind, add, remove, modify, renew, cancel, or otherwise change insurance coverage.
Insurance coverage is not effective unless and until it has been formally reviewed and confirmed by Patterson Collective Insurance Agency and/or the applicable insurance carrier in accordance with applicable application, underwriting, payment, and policy requirements.
Do not rely on a website submission, email, text message, or voicemail as confirmation that a requested insurance change has been completed.
Insurance Quotes
Any quote, premium estimate, coverage illustration, or indication of pricing or availability is preliminary unless otherwise stated and may change based on underwriting, verification of information, carrier requirements, inspections, reports, eligibility, specific policy selections, or other factors. A quote is not a contract of insurance and does not guarantee eligibility, coverage, premium, or issuance of a policy.
Information You Provide
When submitting information through Pattersoninsures.com, you agree to provide information that is accurate and complete to the best of your knowledge. Incorrect, incomplete, or outdated information may affect quoting, underwriting, issuance, servicing, claims, eligibility, or premium. You are responsible for reviewing applications, policy documents, and other insurance information for accuracy.
Insurance Policies Control
Descriptions of insurance products or coverage on the website are summaries only. The terms, conditions, definitions, limits, deductibles, endorsements, exclusions, and other provisions of the issued policy control if there is any difference between website content and the actual policy. Nothing on the website modifies the terms of an insurance policy.
Acceptable Use
You may not use the website for unlawful or fraudulent purposes; submit false or misleading information; attempt unauthorized access to systems or accounts; introduce malicious software; interfere with website functionality; scrape, copy, or misuse content in violation of law; impersonate another person; or use forms for spam, abuse, or unauthorized solicitation.
Third-Party Services
Pattersoninsures.com may contain links or integrations involving insurance companies, scheduling services, payment or billing services, communication tools, website services, and other third-party platforms. Patterson Collective does not control and is not responsible for the content, availability, security, terms, or privacy practices of third-party websites or services.
Privacy
Your use of this website is also subject to our Privacy Policy.
Governing Law
These Terms of Use are governed by applicable federal law and the laws of the State of New Jersey, without regard to conflict-of-law principles, except where another jurisdiction's law is required to apply.
Questions About These Terms?
Patterson Collective Insurance Agency
2 Kings Highway West, Suite 106
Haddonfield, NJ 08033
Phone: (856) 434-6013
Email: admin@pattersoninsures.com