Privacy Policy
Last updated: March 26, 2026
This Privacy Policy describes how Hardcover LLC ("Hardcover," "we," "us," or "our") collects, uses, shares, and protects information obtained through our website, quote requests, document submissions, and all other communications, including phone, email, and text message.
By using our website or submitting information to us, you acknowledge that you have read and understood this Privacy Policy.
1. Scope and Limitations of Services
Hardcover LLC is a licensed insurance brokerage. We act as an intermediary between clients and insurance carriers. We do not underwrite, bind, or issue insurance policies directly.
All coverage descriptions, recommendations, and information provided through this website or by our representatives are for general informational purposes only. They do not constitute insurance advice, a commitment to provide coverage, or a guarantee of specific policy terms. Coverage is subject to underwriting approval, carrier acceptance, and the specific terms, conditions, exclusions, and limitations of the policy as issued.
Submitting information through this website does not create an agent-client relationship, bind coverage, or modify any existing policy. No coverage is effective unless confirmed in writing by a licensed agent and issued by the applicable carrier.
2. Information We Collect
We may collect the following categories of information:
Personal Information: Name, phone number, email address, mailing address, and other identifying details necessary to provide insurance brokerage services.
Business Information: Company name, size, industry, scope of operations, and other business details relevant to insurance placement.
Insurance Documents: Policy documents, declarations pages, binders, certificates of insurance, and claims histories submitted by you for review or quoting purposes. These documents may contain sensitive personal, financial, and asset-related information.
Communication Records: Inquiries, messages, and preferences submitted through contact forms, email, phone, or SMS communications.
Technical Data: Device type, browser, IP address, and website usage data collected for operational and security purposes only.
3. How We Use Your Information
We use collected information to:
- Respond to inquiries and provide insurance brokerage services you request
- Review submitted documents to assess current coverage and identify potential gaps
- Obtain quotes from and submit applications to licensed insurance carriers and wholesale partners on your behalf
- Communicate with you regarding coverage options, policy updates, and renewals
- Send text messages and email communications where consent has been provided
- Maintain records as required by applicable state insurance regulations
- Comply with legal and regulatory obligations
We do not sell, rent, or trade your personal information or submitted documents to third-party marketers.
4. Document Submission (Important Notice)
Documents submitted through this website, including insurance policies and declarations pages, are used solely for the purpose of assessing your current coverage and preparing quotes. Submission of documents does not constitute a request to bind, cancel, or modify any existing insurance policy.
All submitted documents are transmitted using industry-standard SSL encryption and are accessible only to licensed insurance professionals at Hardcover LLC and, where necessary for quoting purposes, to licensed carriers and wholesale partners.
Hardcover LLC assumes no liability for coverage gaps, lapses, or claims arising from information that is incomplete, inaccurate, or not disclosed at the time of submission.
5. Sharing of Information
We share your information only when necessary to provide the services you have requested. This includes:
- Licensed insurance carriers and underwriters for the purpose of obtaining quotes or placing coverage
- Wholesale brokers or managing general agents where applicable to your risk profile
- Third-party service providers who support our operations, subject to confidentiality obligations
- Regulatory or legal authorities where required by law
All third parties who receive your information are required to maintain confidentiality and may not use your data for any purpose beyond the services they are contracted to provide.
6. SMS and Text Message Communications
If you opt in to receive text messages from Hardcover LLC, you may receive communications related to your insurance account, policy updates, and occasional service-related notifications.
- Frequency: approximately 2 to 4 messages per month
- To opt out at any time, reply STOP to any message or contact us directly
- Standard message and data rates may apply
- Carriers are not responsible for delayed or undelivered messages
7. No Coverage Guarantee
Information provided through this website, including any coverage descriptions, service summaries, or communications from our team, does not guarantee the availability, terms, pricing, or continuity of any insurance coverage. All coverage determinations are made solely by the issuing carrier based on the specific facts presented and applicable policy language.
Hardcover LLC makes no representation that any particular coverage will be available, approved, or maintained. Clients are encouraged to read all policy documents carefully and direct specific coverage questions to a licensed agent.
8. Data Security
We implement industry-standard security measures including encryption, secure transmission protocols, and access controls to protect your information against unauthorized access, disclosure, or misuse.
No electronic system is completely secure. While we take reasonable precautions to protect your data, we cannot guarantee absolute security and are not liable for unauthorized access resulting from circumstances beyond our reasonable control.
9. Data Retention
We retain your information and submitted documents for as long as necessary to fulfill the purposes described in this policy, or as required by applicable law, including state insurance record-keeping requirements. Retention periods may vary depending on the nature of the information and applicable regulatory obligations.
10. Your Privacy Rights
Depending on your state of residence, you may have the right to:
- Access or request a copy of your personal information
- Correct inaccurate or incomplete information
- Request deletion of certain information, subject to legal and regulatory limitations
- Withdraw consent for marketing or text communications
To exercise any of these rights, contact us at info@hardcoverins.com or call (877) 247-7755. We may verify your identity before processing your request.
11. Third-Party Links
Our website may contain links to third-party websites. Hardcover LLC is not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.
12. Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices or applicable law. The "Last Updated" date at the top of this page reflects the most recent revision. Continued use of our website or services following any update constitutes your acceptance of the revised policy.
13. Contact Us
For questions or concerns regarding this Privacy Policy or your personal information:
Hardcover LLC19790
W. Dixie Hwy #1004 Aventura, FL 33180
Phone: (646) 257-2478 | (877) 247-7755 | (954) 210-4144
Email: info@hardcoverins.com