Please read these terms carefully before using our services.
These Terms of Service ("Terms") constitute a legally binding agreement between you and Covera Insurance ("Company," "we," "us," or "our") concerning your access to and use of our website, services, and products.
By accessing or using our website and services, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access our website or use our services.
Covera Insurance provides insurance brokerage services, including but not limited to:
We act as an intermediary between you and insurance carriers. Insurance policies are underwritten and issued by licensed insurance companies, not by Covera Insurance.
To use our services, you must:
When you create an account with us, you agree to:
We reserve the right to suspend or terminate your account if any information provided is found to be inaccurate, false, or misleading.
When using our services, you agree NOT to:
Insurance quotes provided through our website are estimates only and are not binding. Final premium amounts may differ based on underwriting review, additional information, and carrier approval.
All insurance policies are subject to approval by the issuing insurance carrier. We do not guarantee that any application will be approved or that coverage will be issued.
The terms and conditions of your insurance coverage are governed by the policy documents issued by the insurance carrier, not by these Terms of Service. You should carefully review all policy documents before accepting coverage.
Insurance premiums are paid directly to the insurance carrier, not to Covera Insurance. We may receive commissions from insurance carriers for policies sold, but this does not affect the premium you pay.
Some services may involve fees charged by Covera Insurance. We will clearly disclose any such fees before you agree to pay them.
All payments are non-refundable except as required by law or as specified in your insurance policy documents.
All content on our website, including text, graphics, logos, images, software, and design elements, is the property of Covera Insurance or our licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not copy, modify, distribute, sell, or exploit any content from our website without our express written permission.
OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
TO THE FULLEST EXTENT PERMITTED BY LAW, COVERA INSURANCE SHALL NOT BE LIABLE FOR:
OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY.
You agree to indemnify, defend, and hold harmless Covera Insurance, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including attorney fees) arising out of or related to:
Our website may contain links to third-party websites or services. We do not endorse or assume responsibility for any third-party sites, products, or services. Your use of third-party websites is at your own risk and subject to their terms and conditions.
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without notice. We may also update these Terms from time to time. We will post any changes on this page and update the "Last Updated" date.
Your continued use of our services after changes to these Terms constitutes your acceptance of the revised Terms.
We may terminate or suspend your account and access to our services immediately, without prior notice, for any reason, including but not limited to:
Upon termination, your right to use our services will immediately cease. Termination does not affect any insurance policies already in force.
These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions.
Any disputes arising out of or relating to these Terms or our services shall be resolved through binding arbitration in Miami, Florida, in accordance with the rules of the American Arbitration Association.
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Covera Insurance regarding the use of our services and supersede any prior agreements.
If you have questions about these Terms of Service, please contact us: