Terms of Use

Effective date: July 28, 2026. This website is operated by Main Street Insurance, the Patrick Murakami Agency, an independent insurance brokerage in Colorado Springs, Colorado. By using the site you agree to the terms below. If you do not agree, please do not use the site.

The site is information, not an offer of insurance

Everything here is general information about insurance products and about our agency. It is not an offer to sell insurance, not a binding quote, and not a promise that any carrier will accept your application. Coverage begins only when a carrier issues a policy and confirms it in writing. If anything on this site ever conflicts with your policy, the policy controls.

Quotes and premium estimates

Any figure you see on this site, or receive from us before underwriting is complete, is an estimate. Premiums depend on information the carrier verifies, and they can change. Nothing here guarantees a price, a discount, or eligibility.

Not legal, tax, or financial advice

We are licensed to advise on insurance. We do not give legal, tax, or investment advice. Please speak with the appropriate professional before making decisions that depend on those areas.

Licensing

Patrick Murakami is a licensed Colorado insurance producer, license number 266853. We can transact insurance business only in the states where we and the carrier are properly licensed.

Your responsibilities

When you ask us for a quote or apply for coverage, you agree to give complete and accurate information. Insurance decisions rest on what you tell us, and a carrier can reduce, deny, or void coverage if an application turns out to be inaccurate. Please tell us promptly when something changes, such as a new address, vehicle, driver, business activity, or property improvement.

Acceptable use

Please use the site for its intended purpose. Do not attempt to disrupt it, scrape it at scale, reach areas you are not authorized to access, submit false information, or upload anything harmful or unlawful.

Our content

The text, images, layout, and logos on this site belong to Main Street Insurance or to the parties who licensed them to us. You are welcome to read, print, and share pages for your own reference. Please do not republish or reuse our material commercially without written permission.

Links to other sites

We link to carriers, review platforms, and other resources for convenience. We do not control those sites and are not responsible for their content, availability, or practices.

Availability and accuracy

We work to keep this site accurate and current, but coverage details, carrier appetite, and regulations change. Pages may contain errors or fall out of date, and the site may be unavailable at times. Please confirm anything important with us directly before you rely on it.

Limitation of liability

To the extent the law allows, Main Street Insurance is not liable for indirect, incidental, or consequential losses arising from your use of this website or from reliance on its general information. Nothing in these terms limits any obligation we owe you under a policy we placed or under Colorado insurance law.

Communications

If you give us your phone number or email address, you agree that we may reply through those channels about your request. Message and data rates may apply. You can stop marketing messages at any time by telling us, and we will still send service messages about an active policy.

Privacy

Our Privacy Policy explains what we collect and how we use it, and it forms part of these terms.

Governing law

These terms are governed by the laws of the State of Colorado. Any dispute will be handled in the state or federal courts serving El Paso County, Colorado.

Changes to these terms

We may update these terms. The version posted on this page, with the effective date above, is the one that applies.

Contact us

Main Street Insurance, Patrick Murakami Agency, 6805 Corporate Dr Suite 170, Colorado Springs, CO 80919. Phone 719-309-6439. Email patrickm@themainstreetagency.com.