Please review our terms and conditions carefully.

Heller Insurance and Financial Effective Date: 9/8/26 Last Updated: 9/8/26

Welcome to www.hellerins.com (the “Site”), owned and operated by Heller Insurance and Financial (“Heller Insurance,” “we,” “us,” or “our”), located in Damariscotta, Maine. By accessing or using this Site, you agree to be bound by these Terms and Conditions (“Terms”). If you do not agree to these Terms, please do not use this Site.

About This Site

This Site is provided for general informational purposes about Heller Insurance and Financial’s products and services, including agricultural, commercial, and personal lines insurance. Use of this Site does not create an insurance policy, binder, or coverage of any kind, and does not establish an agent-client or advisor-client relationship.

No Insurance Coverage Provided or Bound Through This Site

Nothing on this Site constitutes an offer, binder, or guarantee of insurance coverage. Coverage under any insurance policy is subject to the terms, conditions, exclusions, and limitations of the actual policy issued, and to underwriting approval by the applicable insurance carrier. Submitting an inquiry, quote request, or contact form through this Site does not bind coverage. Coverage is bound only upon written confirmation from a licensed representative of Heller Insurance and Financial or the issuing carrier.

If you need to report a claim, request an urgent change to a policy, or add/remove coverage, please contact our office directly by phone rather than relying on this Site or any online form, as we cannot guarantee immediate review of electronic submissions.

No Professional or Legal Advice

Content on this Site — including articles, risk management information, blog posts, or FAQs — is provided for general informational purposes only. It does not constitute insurance, legal, financial, or tax advice, and should not be relied upon as a substitute for consultation with a licensed professional regarding your specific circumstances.

Accuracy of Information

We strive to keep information on this Site accurate and current, but we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or availability of the Site or the information, products, or services contained on it. Insurance products, rates, forms, and carrier availability change and may not be reflected on the Site at all times.

Licensing

Heller Insurance and Financial is licensed to transact insurance business in the State of Maine, and in the following additional states: New Hampshire.

Producer license information is available upon request. Nothing on this Site is intended to solicit insurance business in any jurisdiction where such solicitation would be unlawful.

Third-Party Links

This Site may contain links to third-party websites, including insurance carrier portals, payment processors, or other resources. These links are provided for convenience only. We do not control and are not responsible for the content, privacy practices, or terms of use of any third-party site.

Intellectual Property

All content on this Site, including text, graphics, logos, and images, is the property of Heller Insurance and Financial or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works from this content without our prior written consent.

User Submissions

Any information you submit through this Site (such as via a contact form or quote request) will be used to respond to your inquiry and, where applicable, to prepare an insurance quote. Please refer to our Privacy Policy for details on how we collect, use, and protect your personal information. Do not submit sensitive personal information (such as Social Security numbers or full financial account numbers) through unencrypted web forms; please contact our office directly for such matters.

Limitation of Liability

To the fullest extent permitted by law, Heller Insurance and Financial shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your use of, or inability to use, this Site, including but not limited to reliance on any information contained on the Site.

Indemnification

You agree to indemnify and hold harmless Heller Insurance and Financial, its employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising from your use of this Site or violation of these Terms.

Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated “Last Updated” date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Governing Law

These Terms are governed by the laws of the State of Maine, without regard to its conflict of law principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Maine.

Contact Us

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

Heller Insurance and Financial Damariscotta, Maine
207.563.5200