Terms & Conditions

Acceptance of terms

These Terms & Conditions ("Terms") govern your use of the website at groupcoverage.com (the "Site"), operated by Group Coverage, Inc. ("Group Coverage," "we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Site.

About Group Coverage

Group Coverage is a licensed independent insurance brokerage. We help individuals and businesses shop for, obtain, and service insurance coverage through the carriers we represent. Any coverage you obtain is issued by, and governed by the terms of, the applicable insurance carrier's policy — not by these Terms.

Not insurance advice; no guarantee of coverage

Content on the Site is provided for general informational purposes only and is not legal, tax, financial, or insurance advice for your specific situation. Descriptions of coverage are summaries only; the actual terms, conditions, limits, and exclusions are set by each carrier's policy.

Submitting a request, quote, or application through the Site does not bind coverage. Coverage is not in effect unless and until it is approved by the carrier and confirmed in writing. [Confirm this language matches your license and state requirements.]

Eligibility

You must be at least 18 years old and able to enter into a binding agreement to use the Site. By using the Site, you represent that you meet these requirements and that any information you provide is accurate and complete.

Use of the site

You agree to use the Site only for lawful purposes. You will not:

• Use the Site in any way that violates applicable law or these Terms;
• Submit false, misleading, or fraudulent information;
• Attempt to gain unauthorized access to the Site, other accounts, or our systems;
• Interfere with or disrupt the Site's operation or security; or
• Copy, scrape, or use Site content except as permitted below.

Accounts & portal access

If we provide access to a client or broker portal, you are responsible for keeping your login credentials confidential and for all activity under your account. Notify us promptly of any unauthorized use. We may suspend or terminate access at any time if we believe these Terms have been violated or to protect the security of our systems.

Intellectual property

The Site and its content — including text, graphics, logos, and design — are owned by Group Coverage or its licensors and are protected by intellectual property laws. You may view and use the Site for your own informational and insurance purposes. You may not reproduce, distribute, or create derivative works from Site content without our prior written permission.

Third-party links & services

The Site may link to third-party websites and services, including carrier and portal login pages. We do not control and are not responsible for their content, practices, or availability. Your use of any third-party site is subject to that site's own terms and policies.

Disclaimers

The Site is provided "as is" and "as available" without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of harmful components, or that information on the Site is complete, current, or accurate.

Limitation of liability

To the fullest extent permitted by law, Group Coverage and its owners, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, use, or profits, arising out of or related to your use of the Site — even if we have been advised of the possibility of such damages. [Counsel may add a liability cap and any state-required carve-outs.]

Indemnification

You agree to indemnify and hold harmless Group Coverage and its owners, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your use of the Site, your violation of these Terms, or your violation of any law or the rights of a third party.

Privacy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. Please review it to understand our practices.

Governing law & disputes

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules. You agree that any dispute arising out of or relating to these Terms or the Site will be resolved in the state or federal courts located in [COUNTY], New York, and you consent to their jurisdiction. [Confirm state, county/venue, and whether to add an arbitration and class-action-waiver clause.]

Changes to these terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date above and post the updated Terms on this page. Your continued use of the Site after changes take effect means you accept the updated Terms.