Website Disclaimer

Policy Change Limitations

Please be advised that we cannot add, delete or modify coverage via e-mail or voice-mail.  No binder, insurance policy, change, addition and/or deletion to insurance coverage goes into effect unless and until confirmed with a licensed agent from our agency.

No Virus Policy

This website is meant for informational purposes only. Insurance Advisors of St. Louis (hereafter referred to as IASTL) seeks to post informative videos, photos, and links, collected from users in the St. Louis area. IASTL is not responsible for any viruses obtained from the site, or any obtained through links connected to IASTL.

No Warranties

This website is provided without any representations or warranties, express or implied. IASTL makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, IASTL does not warrant that: this website will be constantly available, or available at all; or the information on this website is complete, true, accurate or non-misleading. Nothing on this website constitutes or is meant to constitute, the advice of any kind. [If you require advice in relation to any [legal, financial or medical] matter you should consult an appropriate professional.]

Limitations of Liability

IASTL will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website: [to the extent that the website is provided free-of-charge, for any direct loss;] for any indirect, special or consequential loss; or for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data. These limitations of liability apply even if IASTL has been expressly advised of the potential loss.


By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable. If you do not think they are reasonable, you must not use this website.

Other Parties

You accept that, as a limited liability entity, IASTL has an interest in limiting the personal liability of its officers and employees. You agree that you will not bring any claim personally against IASTL’s officers or employees in respect of any losses you suffer in connection with the website. Without prejudice to the foregoing paragraph, you agree that the limitations of warranties and liability set out in this website disclaimer will protect IASTL’s officers, employees, agents, subsidiaries, successors, assigns and sub-contractors as well as IASTL.

Unenforceable Provisions

If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.

Virus Protection

We make every effort to check and test material for viruses. However, it is recommended that you run an anti-virus program on all material downloaded from the Internet. We cannot accept any


All images used on this website are ours or were taken from the internet and are assumed to be in the public domain. If you see a photo that does meet this criteria please contact us and it will be immediately removed.