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We believe insurance should be personal, approachable, and dependable. Fern & Co. exists to help individuals, families, and businesses make informed coverage decisions through trusted guidance, personalized service, and protection designed for real life.

As an independent agency, we compare coverage from multiple carriers to help you find the right protection for your needs.

Let's start with a conversation

Questions about your coverage? Looking for a second opinion?
We're here to help.

10K

Happy clients to date

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$25

Basic audit price

Terms and Conditions

Effective Date: 07/29/2026

Welcome to [Business Name]'s website. By accessing or using this website, you agree to the following terms and conditions. If you do not agree, please do not use this site.

Licensing

[Business Name] is a licensed insurance producer/agency in the State of Colorado, license number [License Number]. Our services are offered subject to the rules and regulations of the Colorado Division of Insurance. Use of this website does not create an agent-client or producer-client relationship; that relationship begins only when you engage our services directly.

Use of This Website

This website is provided for general informational purposes about our insurance products and services. The content on this site does not constitute insurance advice, a quote, or an offer of coverage, and does not modify the terms of any actual insurance policy.

No Guarantee of Coverage

Nothing on this website guarantees eligibility, availability, pricing, or approval for any insurance product. Coverage is subject to underwriting review, applicable terms, conditions, and exclusions of the actual policy, and may vary by state. Only a signed policy or binder issued by [Business Name] or the applicable insurance carrier constitutes an offer or confirmation of coverage.

Accuracy of Information

We try to keep the information on this site accurate and up to date, but we make no warranties or representations regarding its completeness, accuracy, or reliability. Insurance products, rates, and availability are subject to change without notice.

Intellectual Property

All content on this website — including text, graphics, logos, and images — is the property of [Business Name] or its licensors and may not be copied, reproduced, or distributed without prior written permission.

Third-Party Links

This website may contain links to third-party websites. [Business Name] does not control and is not responsible for the content, accuracy, or practices of any linked third-party site.

Limitation of Liability

To the fullest extent permitted by law, [Business Name] shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of, or inability to use, this website or its content.

Consumer Protection

Nothing in these Terms is intended to limit any rights you may have under the Colorado Consumer Protection Act or other applicable Colorado consumer protection laws.

Governing Law

These Terms and Conditions are governed by the laws of the State of Colorado, without regard to its conflict of law principles. Any disputes arising from use of this website shall be resolved in the state or federal courts located in Colorado.

Changes to These Terms

We may update these Terms and Conditions from time to time. Any changes will be posted on this page with a revised effective date.



Contact Us

If you have questions about these Terms and Conditions, please contact us:

Fern & Co Insurance Advisors LLC

Phone: 719-994-3111

Email: Jacee@ferncoagency.com

We'll help you find peace of mind

Insurance designed around you.