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Terms & Conditions

Last Updated: January 1, 2026 · Governing Law: Florida

1. Acceptance of Terms

By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you disagree with any part of these terms, please stop using 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, 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 link consumers with licensed insurance agents and carriers.
  • All coverage decisions are made solely by licensed insurance carriers and agents.
  • We receive a referral commission for connecting consumers with carriers — our service is entirely free to you.

3. No Insurance Advice

Nothing on this website constitutes professional insurance advice. All content is provided 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 specific to your situation.

4. No Liability for Third-Party Carrier Decisions

Insurance Coverage Hub, accepts no responsibility or liability for 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 solely by licensed carriers based on their own underwriting criteria. We make no guarantees 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, 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 law, Insurance Coverage Hub, 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 under 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, and our network of licensed insurance carriers regarding insurance quotes and coverage options, even if your number is listed on a Do Not Call registry. Standard message and data rates may apply. This consent is not required to purchase any policy. You may withdraw consent at any time.

8. Governing Law

These Terms & Conditions are 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 in Lee County, Florida.

9. Contact

For any questions about these Terms & Conditions, please contact us:

Insurance Coverage Hub,
1261 S Seward Meridian Pkwy, Wasilla Alaska, United States
Email: info@insurancecoveragehub.org
Phone: +1 833 371 3807
Hours: Mon–Fri, 8AM–8PM EST