Website Terms and Conditions of Use 

  1. Terms

By accessing this website (, you are agreeing to be bound by these Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.

  1. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on the Lincoln County Mutual Insurance Agency Inc (LCMIA Inc) website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license, you may not:

  • Modify or copy the materials.
  • Use the materials for any commercial purpose or any public display (commercial or non-commercial).
  • Attempt to decompile or reverse engineer any software contained on the LCMIA Inc website.
  • Remove any copyright or other proprietary notations from the materials.
  • Transfer the materials to another person or “mirror” the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by LCMIA Inc at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

  1. Disclaimer

The materials on the LCMIA Inc website are provided “as is”. LCMIA Inc makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, LCFMIA Inc does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet website or otherwise relating to such materials or on any sites linked to this site.

  1. Limitations

In no event shall LCFMIA Inc or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on the LCFMIA Inc website, even if LCFMIA Inc or an LCFMIA Inc authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

  1. Revisions and Errata

The materials appearing on the LCFMIA Inc website could include technical, typographical, or photographic errors. LCFMIA Inc does not warrant that any of the materials on its website are accurate, complete, or current. LCFMIA Inc may make changes to the materials contained on its website at any time without notice. LCFMIA Inc does not, however, make any commitment to update the materials.

  1. Electronic Communications

Visiting the Site or sending emails to LCFMIA Inc constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, via email and on the website, satisfy any legal requirement that such communications be in writing. Special Note: No insurance may be bound by e-mail and no changes in existing insurance coverage may be effectuated by e-mail until your contracted agent explicitly acknowledges your request.

  1. Children Under Thirteen

LCFMIA Inc does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use the Site only with the permission of a parent or guardian.

  1. Links

LCFMIA Inc has not reviewed all the sites linked to its Internet website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by LCFMIA Inc of the site. Use of any such linked website is at the user’s own risk.

  1. Website Terms of Use Modifications

LCFMIA Inc may revise these terms of use for its website at any time without notice. By using this website, you are agreeing to be bound by the then-current version of these Terms and Conditions of Use.

  1. Governing Law

Any claim relating to the LCFMIA Inc website shall be governed by the laws of the State of Missouri, and you hereby consent to the exclusive jurisdiction and venue of courts in Missouri in all disputes arising out of or relating to the use of the website. Use of the website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms, including, without limitation, this section.

Contact Us

LCFMIA Inc welcomes your questions or comments regarding the Website Terms and Conditions of Use:

LCM Insurance Agency Inc
320 Main Street
Troy, Missouri 63379
Telephone number: 636-528-8242

Effective as of March 28, 2024