Terms and Conditions

I understand that any insurance terms and definitions are meant for general informational purposes and not meant as specific advice or recommendations. For detailed information, it is my responsibility to contact "Ernie Smith Insurance, Inc.".

I understand that no coverage will be assumed bound or covered until I have received written or verbal confirmation from "Ernie Smith Insurance, Inc.".

I understand that "Ernie Smith Insurance, Inc." will receive documentation of all service requests, requests for information or declination for additional information which may become part of my customer file.

I understand that "Ernie Smith Insurance, Inc." will process service requests based on information provided through this site, and that I will receive confirmation of all changes to my coverage. I authorize all such changes, and assume the responsibility of notifying "Ernie Smith Insurance, Inc." in the event of errors or misunderstandings.

  1. Guarantee of privacy of client information and all privacy language.
  2. "Ernie Smith Insurance, Inc." will handle service requests in good faith based on registration information. All service requests will be confirmed to the client and they must contact "Ernie Smith Insurance, Inc." in case of error.
  3. Client is responsible for updating email address and other information in the event of change.
  4. Insurance terms, descriptions of coverage and other insurance information is not meant to be complete, and the client should either contact "Ernie Smith Insurance, Inc." or read their policy for complete information.
  5. All insurance and non-insurance information is for general purposes and may not be up-to-date or complete. "Ernie Smith Insurance, Inc." is not responsible for information in sites linked.
  6. The Carnegie General Insurance Agency website may contain links to other sites. Carnegie General Insurance Agency does not share your personal information with those websites and is not responsible for their privacy practices or content of their sites. We encourage you to learn about the privacy policies of those companies before deciding to use their services.
  7. Requests to add, change, delete, or otherwise modify coverage, requested through use of this site, by email or fax, will NOT be considered to be in effect until the client has received confirmation from "Ernie Smith Insurance, Inc.". Under NO circumstances should such request be considered a contract of coverage.
  8. Using this website, you agree to our tracking of your activity as described below:

When you browse the Ernie Smith Insurance, Inc. website, you are able to do so anonymously. We do not collect personal information when you browse - not even your email address. Your browser, however, does automatically tell us the type of computer and operating system you are using. On many of our pages and in some of our email to you, we use a "click-through URL." When you click one of these URLs, you pass through our web server before arriving at the website that is your destination. We track these click-throughs to help us determine your interest in particular topics and measure the effectiveness of our customer communications. This information is not shared with any entity for any reason.

Like many websites, the Ernie Smith Insurance, Inc. website uses "cookie" technology. When you first connect to our site, a cookie identifies your browser with a unique, random number. The cookies we use do not reveal any personal information about you, except perhaps your name so we can welcome you on your next visit. Cookies help us understand which parts of our websites are the most popular, where our visitors are going, and how long they spend there. We use cookies to study traffic patterns on our site so we can make the site even better, but these statistics will not include personally identifiable information.

Privacy Statement

Ernie Smith Insurance, Inc. has always been comitted to ensuring the confidentiality of the information it receives. Recently, Congress enacted the Financial Services Modernization Act, which requires that certain companies, including insurance agencies, inform their customers how personal information is collected or disclosed. "Ernie Smith Insurance, Inc." maintains physical, electronic and procedural safeguards to protect the information we acquire, including restricting access about you to employees who need to know that information to provide you with products or to provide you with benefits or services we feel would be useful to our clients. We periodically review and test our systems to assess the strength of our security precautions. The following notice is the The "Ernie Smith Insurance, Inc." Privacy Policy.