Terms of Service
Last updated: [DATE — counsel to confirm]
These Terms of Service ("Terms") govern your use of insurancecoi.com (the "Site"), operated by [LEGAL ENTITY NAME]. By using the Site you agree to these Terms.
What InsuranceCOI is
InsuranceCOI is an insurance program and lead-matching service. We help venues and general contractors offer a custom insurance link and connect renters, subcontractors, and businesses with licensed insurance professionals and carriers. We are not a licensed insurance agency, insurer, or law firm, and nothing on the Site is insurance or legal advice. Coverage terms, eligibility, availability, and pricing are determined solely by the applicable carrier and vary by state.
Requests and lead sharing
When you submit a form, you authorize us to share your information with licensed insurance professionals, underwriters, or carriers who may contact you about your request. Submitting a request does not create a policy or bind coverage. No coverage exists until a carrier issues a policy and you meet its requirements.
Certificates of insurance
Any certificate of insurance is issued by the applicable carrier or its authorized representative and is subject to the terms of the underlying policy. A certificate is evidence of coverage only and does not amend, extend, or alter the policy.
Your responsibilities
- Provide accurate, complete information.
- Use the Site lawfully and not attempt to disrupt or misuse it.
- Independently verify any coverage meets your requirements.
Disclaimers & limitation of liability
The Site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, [LEGAL ENTITY NAME] is not liable for any indirect, incidental, or consequential damages arising from your use of the Site or reliance on any information or coverage obtained through it.
Contact
[LEGAL ENTITY NAME], [MAILING ADDRESS], [CONTACT EMAIL].
This template requires review by qualified counsel before launch. Bracketed items must be completed.