These Terms of Use (“Terms”) govern your access to and use of all websites, platforms, products, and services (collectively, the “Services”) operated by Cover AI (“CoverAI,” “we,” “us,” or “our”).
By accessing or using any of our Services, you agree to be bound by these Terms and our Privacy Policy.
If you do not agree, please discontinue use of our Services immediately.
Legal Name: Cover AI
NPN: 21552626
Agency License: 3003609556
Principal Office: 3400 Dundee Rd, Suite 150, Northbrook, IL 60062
Phone: (312) 395-0872
Email: info@coverai.net
Website: https://coverai.net
Governing State: Illinois, USA
Cover AI is a licensed, independent insurance agency authorized to conduct insurance business only in states where it holds an active license.
Our Services, quotes, and referrals are intended solely for residents of jurisdictions where Cover AI or its appointed producers are licensed.
We do not solicit or sell insurance products in any state where we are not licensed.
If you access our Services from a non-licensed state, any quote or referral is provided strictly for informational and educational purposes and does not constitute a solicitation or offer to sell insurance.
Cover AI operates as both a licensed insurance agency and a digital marketing and technology platform that connects users with licensed carriers, MGAs, or insurance marketplaces.
Our Services may include:
Digital quote tools and lead-generation forms;
AI-powered informational tools (e.g., “AI Simon”);
Direct policy placements through licensed agents;
Referral and affiliate links to third-party insurers and partners.
Submission of information through our sites does not bind coverage.
A policy becomes effective only after confirmation and acceptance by the issuing carrier and payment of premium.
These Terms apply to all domains and subdomains owned or operated by Cover AI, collectively referred to as the Cover AI Network:
Our websites may include digital quote engines, chat interfaces, and AI assistants (such as “AI Simon”).
These tools are provided for informational and educational purposes only and:
Any AI suggestions or insights must be verified by a licensed insurance professional before reliance.
By submitting your information through any Cover AI form, you consent to receive communications from Cover AI, its affiliates, and licensed partners via phone, SMS, email, or other electronic means, including automated or prerecorded messages, even if your number is listed on a state or federal Do Not Call registry.
You may opt out at any time by following unsubscribe links or contacting us directly.
You agree to use our Services lawfully and not to:
Providing false information may result in denial of access, report to regulatory authorities, or legal action.
Cover AI and its producers may receive commissions, referral fees, or other compensation from insurance carriers or marketing partners for the sale or referral of insurance products.
Such compensation does not influence the products or carriers presented to you.
All recommendations are made in good faith and in accordance with state and federal insurance regulations.
Cover AI participates in affiliate and lead-generation programs with licensed insurers and marketplaces (e.g., Tivly, Ethos, SmartFinancial, Progressive, Cover Whale, First Connect, and others).
When you click a referral or “Get Quote” button, you may be redirected to a third-party website.
Cover AI may receive a fee or commission if you complete a quote or purchase through that partner.
Cover AI is not responsible for the content, accuracy, or data handling practices of any third-party website.
Use of such sites is governed by their respective Terms and Privacy Policies.
Quotes displayed through our Services are for informational purposes only and subject to change without notice.
Cover AI does not guarantee that any quote, premium, or savings estimate will result in an actual policy or lower rate.
All coverage decisions rest solely with the issuing insurance carrier.
We strive for accuracy but cannot guarantee that all information, rates, or descriptions are error-free.
Each carrier is responsible for its own underwriting, policy terms, and claims.
You are responsible for reviewing all documents and disclosures before purchasing coverage.
By submitting your data, you authorize Cover AI to collect, store, and share your information with licensed carriers, MGAs, or marketing partners for the purpose of generating insurance quotes or related services.
While we maintain industry-standard security measures, no system is completely secure.
We retain personal data only as long as necessary to fulfill the intended purpose or as required by law.
See our Privacy Policy for full details.
Insurance product availability, features, and pricing vary by state and carrier.
Certain digital quoting tools may not be available in all jurisdictions.
All transactions are subject to state licensing laws, DOI regulations, and carrier approval.
Residents of non-licensed states acknowledge that use of our Services is informational only and not a solicitation to purchase insurance.
All trademarks, logos, software, and intellectual property within the Cover AI Network — including “AI Simon” — are the exclusive property of Cover AI or its licensors.
Unauthorized reproduction or imitation is strictly prohibited.
Permission for use must be obtained in writing.
All information provided through Cover AI is for general informational purposes only.
We do not offer legal, tax, or financial advice.
You should consult qualified professionals for specific advice regarding your circumstances.
Users may not post, transmit, or distribute defamatory, false, or misleading information about Cover AI, its staff, or partners.
We reserve the right to remove any content or restrict access to users who violate these Terms.
By submitting reviews or comments, you grant Cover AI a non-exclusive, royalty-free right to display or reproduce such content for business or compliance purposes.
To the fullest extent permitted by law, Cover AI and its affiliates shall not be liable for:
If liability is established, it shall not exceed the amount you paid (if any) for using the Services.
You agree to indemnify and hold harmless Cover AI, its directors, employees, and partners from any claim, liability, or expense (including attorneys’ fees) arising out of your misuse of the Services or violation of these Terms.
Cover AI shall not be held responsible for delays or failures in performance caused by events beyond its reasonable control, including but not limited to natural disasters, cyberattacks, network outages, labor disputes, or regulatory changes.
Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Services shall be resolved exclusively through binding arbitration under the rules of the American Arbitration Association (AAA) in Cook County, Illinois.
You waive your right to participate in any class or collective action.
Judgment on the arbitration award may be entered in any competent court.
These Terms are governed by and construed under the laws of the State of Illinois, without regard to conflict-of-law principles.
For non-arbitrable matters, you agree to the exclusive jurisdiction of the state and federal courts in Cook County, Illinois.
If any part of these Terms is held invalid, the remainder shall continue in full force.
These Terms and the Privacy Policy constitute the entire agreement between you and Cover AI regarding use of the Services.
We may suspend or terminate access to any Services at any time, with or without notice, for violations, fraud, or abuse.
We may update or modify these Terms at any time.
The revised version will be posted with an updated “Last Updated” date.
Continued use of our Services after such updates constitutes your acceptance of the new Terms.
Cover AI operates under the authority and supervision of the Illinois Department of Insurance (DOI).
For regulatory inquiries or to verify licensing, please visit https://insurance.illinois.gov.
Cover AI
3400 Dundee Rd, Suite 150
Northbrook, IL 60062
Phone: (312) 395-0872
Email: info@coverai.net
Website: https://coverai.net
Cover AI is a licensed insurance agency.
All trademarks, carrier names, and product logos are property of their respective owners.
Quotes and rates are non-binding until verified and accepted by an authorized insurer.
AI Simon and other AI tools are designed for informational assistance only and do not replace licensed agent or carrier advice.
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