Terms and Conditions
Last updated: March 26, 2026
These Terms and Conditions ("Terms") govern your access to and use of the website operated by Hardcover LLC ("Hardcover," "we," "us," or "our"), including all features, forms, document upload tools, and communications initiated through this site.
By accessing our website, submitting information, uploading documents, or communicating with us through any channel, you agree to these Terms in full.
If you do not agree to these Terms, please discontinue use of this website immediately.
1. Nature of Services
Hardcover LLC is a licensed insurance brokerage acting as an intermediary between insurance applicants and licensed insurance carriers. We do not underwrite, issue, or guarantee insurance coverage of any kind.
All information, descriptions, and communications provided through this website — including service descriptions, coverage summaries, and any statements made by our representatives — are for general informational purposes only. They do not constitute insurance advice, a solicitation to purchase a specific product, a commitment to provide coverage, or a representation that any coverage will be available, approved, or maintained.
Coverage availability, terms, conditions, pricing, and exclusions are determined solely by the issuing insurance carrier based on the specific facts presented and applicable underwriting criteria. Hardcover LLC makes no warranty, express or implied, regarding the adequacy, suitability, or continuity of any coverage obtained through our brokerage.
2. No Coverage Bound by Website Use
Use of this website, including submitting a quote request, uploading documents, completing a contact form, or communicating with our team by phone, email, or text, does not constitute the binding, inception, renewal, modification, or cancellation of any insurance policy.
No insurance coverage is in effect unless and until it has been confirmed in writing by a licensed agent and formally issued or bound by the applicable insurance carrier. Clients are responsible for maintaining continuous coverage and should not assume coverage exists based solely on a submission, inquiry, or conversation with our team.
3. Document Uploads and User Representations
Our website includes a feature allowing you to upload insurance documents, including policies, declarations pages, binders, and certificates of insurance, for the purpose of obtaining a coverage review or quote.
By uploading documents, you represent and warrant that:
Authority: You have the legal right to possess and share the documents you are submitting and are authorized to do so on behalf of any business entity named within those documents.
Accuracy: The information contained in submitted documents is true, accurate, and complete to the best of your knowledge. You agree to notify us promptly of any material changes to the information provided.
No Binding Effect: Uploading a document does not bind, modify, or cancel any existing insurance policy, nor does it create a new policy or coverage obligation.
Limitation of Reliance: Hardcover LLC is not responsible for coverage gaps, underwriting decisions, declinations, or claims outcomes resulting from documents that are inaccurate, incomplete, altered, outdated, or not fully disclosed at the time of submission.
4. Accuracy of Website Content
Hardcover LLC makes reasonable efforts to maintain accurate and current information on this website. However, we do not warrant that all content is complete, error-free, or up to date. Coverage descriptions, service summaries, and industry information are subject to change without notice and should not be relied upon as a substitute for direct consultation with a licensed agent.
We reserve the right to modify, suspend, or discontinue any part of this website at any time without notice or liability.
5. Compensation Disclosure
Hardcover LLC operates as a licensed insurance intermediary. We may receive compensation in the form of commissions paid by insurance carriers upon placement of coverage, and in some cases fees paid directly by clients. Compensation structures vary depending on the carrier, policy type, and applicable state regulations.
We do not receive contingent compensation tied to premium volume thresholds. For questions regarding our compensation on a specific placement, contact info@hardcoverins.com.
6. Client Obligations
To receive accurate coverage recommendations and placements, clients are responsible for:
- Providing complete, accurate, and timely information about their operations, scope of work, claims history, and any material changes to their business
- Reviewing all policy documents upon receipt and promptly notifying us of any errors, gaps, or discrepancies
- Maintaining continuous coverage and not assuming coverage exists without written confirmation from a licensed agent and the issuing carrier
- Complying with all policy conditions, reporting requirements, and renewal obligations
Hardcover LLC is not liable for coverage gaps, claims denials, or underwriting adverse actions resulting from a client's failure to disclose material information or comply with policy requirements.
7. SMS and Text Message Communications
By providing your mobile number through any form or communication on this website, you consent to receive text messages from Hardcover LLC related to your insurance account, policy updates, quote status, and service-related notifications.
- Frequency: approximately 2 to 4 messages per month
- To opt out at any time, reply STOP to any message
- For assistance, reply HELP or contact us at (877) 247-7755
- Standard message and data rates may apply
- Mobile carriers are not responsible for delayed or undelivered messages
Consent to receive text messages is not a condition of purchasing any product or service.
8. Limitation of Liability
To the fullest extent permitted by applicable law, Hardcover LLC, its affiliates, officers, employees, agents, and licensed producers shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from or related to:
- Your use of or inability to use this website
- Any coverage gap, declination, or claim outcome
- Reliance on any information provided through this website or by our representatives
- Unauthorized access to or alteration of your submitted documents or data
- Any act or omission of a third-party insurance carrier, underwriter, or wholesale broker
Our total liability for any claim arising from your use of this website or our brokerage services shall not exceed the total fees, if any, paid by you to Hardcover LLC in the twelve months preceding the claim.
Nothing in these Terms limits liability for fraud, gross negligence, or willful misconduct.
9. Errors and Omissions
Hardcover LLC maintains Errors and Omissions (E&O) insurance coverage for its licensed brokerage activities. However, this coverage does not extend to claims arising from inaccurate or incomplete information provided by the client, failure of the client to review or respond to policy documents in a timely manner, or coverage decisions made solely by the issuing carrier.
Clients are encouraged to review all policy documents carefully upon receipt and to contact us immediately with any questions or concerns regarding their coverage.
10. Third-Party Carriers and Partners
Hardcover LLC works with a network of licensed insurance carriers, wholesale brokers, and managing general agents. We do not control the underwriting decisions, policy terms, claims handling, or financial solvency of any third-party carrier or partner.
Hardcover LLC is not liable for the acts, omissions, or insolvency of any insurance carrier or third-party partner involved in the placement or administration of your coverage.
11. Intellectual Property
All content on this website, including text, design, graphics, and service descriptions, is the property of Hardcover LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or repurpose any content from this website without prior written consent.
12. Privacy
Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using this website, you consent to the data practices described in our Privacy Policy.
13. Modifications to These Terms
We reserve the right to update or modify these Terms at any time. The "Last Updated" date at the top of this page reflects the most recent revision. Continued use of this website following any modification constitutes your acceptance of the updated Terms.
14. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any disputes arising from or related to these Terms or your use of this website shall be resolved exclusively in the state or federal courts located in Miami-Dade County, Florida.
15. Severability
If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.
16. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Hardcover LLC with respect to your use of this website and supersede all prior agreements, representations, and understandings.
17. Contact Us
For questions regarding these Terms or your use of our services:
Hardcover LLC19790
W. Dixie Hwy #1004 Aventura, FL 33180
Phone: (646) 257-2478 | (877) 247-7755 | (954) 210-4144
Email: info@hardcoverins.com