Terms & Conditions

1. Acceptance of Terms

and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree with any part of these terms, please discontinue use of this website immediately. These terms apply to all visitors, users, and anyone who accesses or uses our services.

2. Nature of Our Service

Insurance Coverage Hub, Inc. is an independent insurance quote comparison platform and authorized retailer. We are NOT an insurance company, insurance agency, or insurance underwriter. Specifically:

• We do not provide insurance advice within the meaning of applicable insurance laws.
• We do not bind coverage or issue insurance policies directly.
• We connect consumers with licensed insurance agents and carriers.
• Final coverage decisions are made solely by licensed insurance carriers and agents.
• We earn a referral commission for connecting consumers with carriers — our service is completely free to you.

3. No Insurance Advice

Nothing on this website constitutes professional insurance advice. All information provided is for general informational purposes only and does not represent a recommendation or endorsement of any specific insurance product, carrier, or coverage type. Please consult a licensed insurance professional for guidance tailored to your individual needs.

4. No Liability for Third-Party Carrier Decisions

Insurance Coverage Hub, Inc. is not responsible or liable for any decisions made by third-party insurance carriers regarding the acceptance, denial, pricing, or terms of any insurance policy. Coverage availability, rates, and terms are determined exclusively by licensed carriers based on their own underwriting guidelines. We make no representations or warranties regarding the availability, suitability, or pricing of any insurance product.

5. Intellectual Property

This website and all of its original content, features, and functionality are owned by Insurance Coverage Hub, Inc. and are protected under applicable intellectual property laws. Third-party trademarks referenced on this website, including Bristol West® and others, remain the property of their respective owners. Their appearance on this site does not imply any affiliation or endorsement.

6. Limitation of Liability

To the fullest extent permitted by applicable law, Insurance Coverage Hub, Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our services. Our total liability to you for any claim related to these terms shall not exceed $100.

7. TCPA Consent

By submitting a form or calling our number, you expressly consent to receive phone calls, emails, and text messages from Insurance Coverage Hub, Inc. and our network of licensed insurance carriers regarding insurance quotes and coverage options, even if your number appears on a Do Not Call registry. Standard message and data rates may apply. This consent is not a condition of purchase. You may opt out at any time.

8. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Lee County, Florida.

9. Contact

For any questions regarding these Terms & Conditions, please reach out to us at:

Insurance Coverage Hub, Inc.
24611 Production Cir, Bonita Springs, Florida, United States
Email: info@insurancecoveragehub.online
Phone: +1 888 712 0692
Hours: Mon–Fri, 8AM–8PM EST