Terms of Service
Effective Date: Jul 27, 2026
Welcome to Cook & Kocher (“Cook & Kocher,” “we,” “our,” or “us”). These Terms of Use (“Terms”) govern your access to and use of http://cookandkocher.com (the “Website”).
By accessing or using this Website, you agree to be bound by these Terms. If you do not agree with these Terms, please discontinue use of the Website immediately.
About Cook & Kocher
Cook & Kocher is an Illinois-based insurance brokerage providing insurance consulting, products, and related services for individuals and businesses. The information provided on this Website is intended to educate visitors about our services and provide a convenient way to contact our team. The Website is intended for informational and lead-generation purposes only and does not constitute an offer to sell or a guarantee of insurance coverage.
Changes to These Terms
We reserve the right to modify these Terms at any time without prior notice. Any updates will become effective immediately upon posting to this page. Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms.
Use of the Website
You agree to use this Website only for lawful purposes and in accordance with these Terms.
You may not:
- Use the Website in violation of any applicable federal, state, or local law.
- Attempt to gain unauthorized access to any portion of the Website, servers, or related systems.
- Interfere with or disrupt the operation or security of the Website.
- Introduce viruses, malware, or other harmful code.
- Use automated tools, bots, or scraping software to collect Website content without our written permission.
- Misrepresent your identity or submit false or misleading information through our contact forms.
We reserve the right to suspend or terminate access to the Website for users who violate these Terms.
Intellectual Property
All content available on this Website—including but not limited to text, graphics, logos, icons, images, downloads, software, page layouts, and other materials—is owned by or licensed to Cook & Kocher and is protected under United States copyright, trademark, and other intellectual property laws.
You may view, download, or print Website materials solely for your personal, non-commercial use.
You may not reproduce, modify, distribute, publish, display, transmit, create derivative works from, or otherwise exploit any Website content without our prior written consent.
Insurance Information Disclaimer
The information provided on this Website is for general informational purposes only.
Nothing contained on this Website constitutes insurance, legal, tax, or financial advice, nor does it create an insurance policy, binder, or coverage agreement.
Insurance products, coverage options, eligibility, pricing, and availability vary by carrier, jurisdiction, underwriting guidelines, and individual circumstances. Coverage is subject to the terms, conditions, exclusions, and limitations of the applicable insurance policy.
Visitors should consult directly with a licensed Cook & Kocher insurance professional before making insurance decisions.
No Guarantee of Coverage
Submitting a contact request or requesting a quote through this Website does not:
- establish an insurance broker-client relationship;
- bind insurance coverage;
- modify existing coverage;
- guarantee placement of insurance; or
- constitute acceptance of any insurance application.
Coverage becomes effective only after all underwriting requirements have been satisfied and written confirmation of coverage has been issued by the applicable insurance carrier.
Privacy
Your use of this Website is also governed by our Privacy Policy, which explains how we collect, use, and protect personal information submitted through this Website.
Please review our Privacy Policy before submitting any personal information.
User Submissions
If you voluntarily submit information through our contact forms, quote requests, email communications, or other methods, you represent that:
- the information is accurate;
- you have the legal authority to provide it;
- it does not infringe upon the rights of any third party; and
- it does not contain unlawful, defamatory, abusive, fraudulent, or malicious content.
By submitting information, you grant Cook & Kocher permission to use the information as necessary to respond to your inquiry, provide requested services, or communicate with you regarding our insurance offerings.
Third-Party Websites
This Website may contain links to third-party websites for your convenience.
Cook & Kocher does not own, control, or endorse those websites and is not responsible for their content, security, privacy practices, or availability.
Accessing third-party websites is done entirely at your own risk.
Website Availability
We strive to keep the Website available and accurate but do not guarantee uninterrupted access or error-free operation.
We reserve the right to modify, suspend, or discontinue any part of the Website at any time without notice.
Disclaimer of Warranties
THIS WEBSITE IS PROVIDED “AS IS” AND “AS AVAILABLE.”
TO THE MAXIMUM EXTENT PERMITTED BY LAW, COOK & KOCHER DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR THAT THE WEBSITE WILL OPERATE WITHOUT INTERRUPTION OR ERROR.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, COOK & KOCHER, ITS EMPLOYEES, OFFICERS, OWNERS, AGENTS, OR AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THIS WEBSITE.
OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM YOUR USE OF THIS WEBSITE SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100), OR THE MINIMUM AMOUNT PERMITTED UNDER APPLICABLE LAW, WHICHEVER IS GREATER.
Indemnification
You agree to defend, indemnify, and hold harmless Cook & Kocher and its officers, employees, agents, affiliates, and licensors from any claims, liabilities, damages, losses, or expenses arising from:
- your use of the Website;
- your violation of these Terms; or
- your violation of any applicable law or third-party rights.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law principles.
Any legal action arising from these Terms or your use of the Website shall be brought exclusively in the state or federal courts located in Illinois, and you consent to the jurisdiction of those courts.
Severability
If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Cook & Kocher regarding your use of this Website.
Contact Us
If you have any questions regarding these Terms of Use, please contact us at:
Cook & Kocher
300 S. Northwest Highway,
Park Ridge, IL 60068
Email: [email protected]
Phone: 847-692-9200