Terms of Use

1. Acceptance of These Terms

By accessing or using CoverAI.net, you agree to these Terms and acknowledge our Privacy Policy. If you do not agree, do not use the website. A specific quote tool, application, referral form, partner portal, insurance policy, public-adjuster agreement, consulting engagement, or other transaction may have additional terms and disclosures. Those additional terms control that transaction to the extent of a conflict.

These Terms govern website use only. They do not, by themselves, create an insurance policy, bind coverage, appoint Cover AI as your broker or adviser for every purpose, establish a public-adjuster engagement, authorize marketing communications, or create a fiduciary, attorney-client, or other professional relationship.

2. Eligibility

You must be at least 18 years old and legally able to enter into a contract to use the website for a transaction. If you use the website for a business or another person, you represent that you are authorized to provide the relevant information and act for that business or person. The website is not directed to children.

3. Service Area and Product Availability

Cover AI, LLC is a U.S.-based insurance agency and digital publisher. Cover AI provides licensed insurance agency services only in states where it holds the required authority, currently Illinois and Texas. In other states, Cover AI provides general information and may facilitate a referral to an independent provider licensed in the applicable state. Cover AI does not sell, solicit, negotiate, recommend, bind, issue, or service insurance where it lacks required authority. Product, carrier, appointment, and service availability may vary.

Products, eligibility, features, limits, rates, underwriting rules, appointments, and service availability vary by state, carrier, partner, and risk. A page, category, search result, archived page, cached result, general description, or reference to a product does not establish current availability. Cover AI may add, remove, restrict, or change public-facing product categories at any time.

CoverAI.net is not currently accepting public health insurance quote applications or health-related intake. Do not submit medical records, diagnoses, or detailed health information through general website forms, ordinary email, or Simon.

4. Cover AI’s Role

Cover AI may act in one or more limited capacities depending on the transaction: as a licensed independent insurance agency, as a technology and marketing platform, as a referral source, or under a separate written risk-consulting engagement. Cover AI is not an insurance company, does not assume insurance risk, and does not control a carrier’s underwriting, pricing, policy issuance, cancellation, renewal, or claim decision.

Some requests may be handled by Cover AI or an authorized producer. Others may be referred or transmitted to one or more appropriately licensed carriers, agencies, producers, brokers, managing general agents, wholesalers, administrators, marketplaces, or other service partners. The identity and role of the recipient should be disclosed in the applicable workflow when required by law.

5. No Binding Coverage; Policy Documents Control

Nothing on CoverAI.net, including a form submission, chat response, email, text message, telephone conversation, estimate, indication, certificate request, payment entry, or application submission, binds or changes insurance coverage unless an authorized insurer or its authorized representative expressly confirms binding in the manner required for that transaction. Coverage is not effective merely because information or payment has been submitted.

The issued policy, declarations, forms, endorsements, exclusions, conditions, and written carrier notices control coverage. Website summaries, comparisons, illustrations, and explanations are general and may not describe every term. You are responsible for reviewing the actual policy and promptly raising questions with the licensed producer or carrier identified for the transaction.

Do not use CoverAI.net, Simon, a general Cover AI email address, or a general telephone or text channel to report a loss, provide formal notice of a claim, request cancellation or nonrenewal, satisfy a policy deadline, tender a lawsuit, or submit time-sensitive documents. Follow the instructions in your policy and contact the insurer or other designated recipient directly.

6. Quotes, Applications, and Insurance Decisions

Any quote, rate, premium, savings estimate, eligibility indication, coverage comparison, or product description is preliminary unless the issuing carrier states otherwise in writing. It may change after verification, underwriting, inspection, record review, loss-history review, or other carrier requirements. Cover AI does not guarantee that a carrier will quote, issue, renew, or maintain a policy, or that any option will be the lowest-priced or best option for you.

You must provide complete and accurate information and promptly correct material changes. Misstatements, omissions, or late information may affect eligibility, premium, coverage, rescission, cancellation, renewal, or a claim, as determined by the carrier and applicable law. Do not omit information because a website field does not specifically request it; ask the responsible licensed professional or carrier if you are uncertain what must be disclosed.

7. Referrals, Affiliate Relationships, and Compensation

Cover AI may receive commissions, referral or affiliate compensation, cost-per-click or cost-per-action fees, consulting fees, or other compensation in connection with an introduction, referral, advertisement, completed action, policy placement, or resulting business. Compensation and available relationships may vary by product and partner. Cover AI does not promise that every available carrier or product will be presented or that results are ranked solely by price.

A referral or affiliate disclosure should be presented clearly where required. These Terms supplement, but do not replace, any disclosure shown near a link, button, form, recommendation, or endorsement. If you follow a partner link or submit information to a partner, that partner may operate independently and apply its own terms, privacy policy, licensing, underwriting, and service processes.

8. Public Adjuster Inquiries

Insurance-sales activities and public-adjuster activities are distinct regulated functions. A public-adjuster inquiry may be routed only to an appropriately licensed individual or entity and may require a separate intake process, disclosures, and written contract. Cover AI does not combine insurance-producer and public-adjuster roles for the same matter where doing so is prohibited or creates a regulatory conflict.

Submitting a public-adjuster inquiry does not report a claim to your insurer, preserve a claim or suit deadline, authorize claim negotiation, or create a public-adjuster engagement. A public-adjuster relationship begins only when the consumer and the identified licensed provider enter into a valid written agreement satisfying applicable law. Fees, cancellation rights, services, and responsibilities are governed by that agreement and

applicable Illinois requirements.

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9. Simon and Other Automated Tools

Simon is an AI-assisted information and intake tool. Simon may use third-party AI, hosting, security, analytics, and customer relationship management technologies to process prompts and produce responses. Outputs may be incomplete, outdated, inconsistent, or incorrect. You must verify important information with the relevant carrier or an appropriately licensed professional before relying on it.

Simon and other automated tools do not:

• Bind, issue, endorse, cancel, renew, or confirm insurance coverage.
• Make final underwriting, eligibility, premium, claim, or settlement decisions.
• Perform licensed public-adjusting services or create a public-adjuster relationship.
• Provide legal, tax, accounting, investment, medical, or other licensed professional advice.
• Replace the carrier, policy documents, or the judgment of an appropriately licensed professional.

Simon does not generate insurance quotes, compare live carrier prices, recommend a specific policy as suitable for you, review your individual policy, issue certificates of insurance, submit regulatory filings, report or handle claims, check claim status, or set up payments.

10. Communications and Electronic Transactions

If you provide contact information, Cover AI may contact you to respond to your request, verify details, deliver requested information, or administer an existing relationship, as permitted by law. Marketing calls, automated or prerecorded calls, text messages, and marketing emails are governed by the specific disclosure and consent presented at the point of collection. These Terms are not consent for Cover AI or multiple third parties to call or text you for marketing, including when your number appears on a state or federal Do Not Call list.

Where permitted, you may revoke consent or update communication preferences by replying STOP to a text, using an email unsubscribe link, emailing [email protected], or calling (312) 395-0872. We will process reasonable revocation requests as required by law. Message and data rates may apply.

You agree that records, disclosures, notices, and signatures may be provided electronically when you affirmatively choose an electronic transaction and applicable law permits. An electronic submission reflects agreement only to the transaction and disclosures clearly presented at that time. It does not bind insurance coverage or create a public-adjuster or consulting contract unless all required parties complete the applicable process.

11. Your Information and Account Security

You are responsible for the accuracy and lawful submission of information you provide. Do not submit information about another person unless you have authority to do so. Do not transmit Social Security numbers, full payment-card or bank-account numbers, passwords, government identification documents, medical records, or other highly sensitive information through general website forms, ordinary email, or Simon. Use only a secure channel specifically designated by the responsible carrier, partner, or licensed professional.

If the website provides an account, access link, code, or credential, you are responsible for keeping it confidential and for notifying us promptly of suspected unauthorized use. You may not attempt to access another person’s information or any nonpublic system.

12. Acceptable Use

You may use CoverAI.net only for lawful, legitimate purposes. You may not:

• Provide knowingly false, deceptive, fraudulent, unauthorized, or materially incomplete information.
• Impersonate another person, misrepresent authority, or submit information for harassment, unlawful solicitation, or identity misuse.
• Probe, scan, disrupt, overload, bypass, or interfere with the website, security controls, rate limits, authentication, or connected systems.
• Introduce malware, harmful code, automated abuse, or content that infringes intellectual property, privacy, or other legal rights.
• Scrape, harvest, copy, republish, reverse engineer, or commercially exploit website content, data, or software except as permitted by law or our written authorization.
• Use Simon or any website feature to generate unlawful, discriminatory, deceptive, abusive, or harmful content or to make automated decisions about another person.

We may investigate suspected misuse and cooperate with carriers, service providers, regulators, or law enforcement as permitted or required by law.

13. Intellectual Property

CoverAI.net, Simon, website text, graphics, design, software, databases, trademarks, service marks, and other content are owned by Cover AI or its licensors and are protected by applicable law. Subject to these Terms, Cover AI grants you a limited, revocable, nonexclusive, nontransferable license to access and use the website for your personal or internal business evaluation of the services. No ownership rights are transferred.

Carrier, partner, and third-party names, logos, products, and content remain the property of their respective owners. Their appearance does not imply ownership, sponsorship, endorsement, appointment, or product availability beyond the specific relationship disclosed.

14. Submissions and Feedback

You grant Cover AI and its service providers permission to host, process, reproduce, transmit, and disclose information you submit only as reasonably necessary to operate the website, respond to your request, make an authorized referral, comply with law, protect the services, and perform the activities described in our Privacy Policy and any form-specific disclosure. You retain ownership of your original content.

If you voluntarily send general suggestions or feedback that do not contain personal information or confidential business information, you permit Cover AI to use that feedback without restriction or compensation. Do not send confidential trade secrets or proprietary ideas through a general feedback channel.

15. Third-Party Websites and Services

The website may link or redirect you to a carrier, agency, broker, managing general agent, wholesaler, administrator, marketplace, public adjuster, payment provider, social network, or other third party. Third parties are responsible for their own websites, terms, privacy practices, licensing, security, products, underwriting, service, and decisions. Cover AI does not control and does not endorse every statement or practice of a third party merely by providing a link or referral.

Any dispute concerning a third party’s product, policy, invoice, service, or decision should be addressed to that party, without limiting any rights you may have against Cover AI under applicable law.

16. Privacy

Our Privacy Policy explains how Cover AI collects, uses, discloses, retains, and protects personal information and how you may exercise applicable privacy rights. Form-specific disclosures may provide additional information about intended recipients and uses. If a separate financial or insurance privacy notice applies to a transaction, that notice supplements the Privacy Policy and controls to the extent of a conflict for the information it covers.

17. Website Availability and Changes

We may maintain, update, restrict, suspend, or discontinue any website feature, content, link, tool, or public-facing product category. We do not guarantee uninterrupted availability, error-free operation, compatibility with every device, or preservation of an unfinished form or chat. You should keep copies of documents and confirmations that are important to you and use carrier-designated channels for time-sensitive transactions.

18. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, COVERAI.NET, SIMON, AND THE GENERAL WEBSITE CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” EXCEPT FOR EXPRESS OBLIGATIONS IN A SEPARATE WRITTEN AGREEMENT, COVER AI DISCLAIMS WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND RESULTS.

These disclaimers apply to general website and technology services. They do not alter an issued insurance policy, a carrier’s legal obligations, a valid public-adjuster contract, a separate written consulting agreement, or rights and remedies that cannot lawfully be waived.

19. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, COVER AI AND ITS OFFICERS, EMPLOYEES, CONTRACTORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR LOST PROFITS, LOST BUSINESS, LOST DATA, OR LOST OPPORTUNITIES, ARISING FROM OR RELATING TO GENERAL WEBSITE USE, EVEN IF ADVISED THAT SUCH DAMAGES MAY OCCUR.

TO THE FULLEST EXTENT PERMITTED BY LAW, COVER AI’S AGGREGATE LIABILITY ARISING FROM GENERAL WEBSITE USE WILL NOT EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS ($100) OR THE AMOUNT YOU PAID DIRECTLY TO COVER AI FOR THE RELEVANT WEBSITE SERVICE DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

These limitations do not apply to liability that cannot be limited by law, including liability for Cover AI’s fraud, willful misconduct, gross negligence, infringement, violation of nonwaivable statutory rights, or obligations expressly accepted in an issued policy or separate written agreement. Some jurisdictions do not allow certain exclusions or limitations, so part of this section may not apply to you.

20. Indemnification

To the extent permitted by law, you agree to defend and indemnify Cover AI and its officers, employees, and contractors from third-party claims, damages, and reasonable costs arising from your fraudulent or unlawful misuse of the website, your knowing violation of these Terms, or content you submit that infringes another person’s rights. This obligation does not apply to the extent a claim results from Cover AI’s own negligence, misconduct, or legal violation.

21. Suspension and Termination

We may restrict or suspend access when reasonably necessary to address fraud, security risk, unlawful activity, material violation of these Terms, harm to another person, or operational or regulatory requirements. We may discontinue public website features at any time. Provisions that by their nature should survive termination will survive, including intellectual property, disclaimers, limitations of liability, dispute terms, and miscellaneous provisions.

22. Events Beyond Reasonable Control

Cover AI is not responsible for a delay or failure in general website performance caused by events beyond its reasonable control, such as natural disasters, severe weather, war, civil unrest, labor disruption, utility or network failure, cyberattack, third-party platform outage, government action, or regulatory change. This section does not excuse obligations that applicable law does not allow us to avoid.

23. Disputes, Governing Law, and Venue

Before filing a lawsuit relating to general website use, you and Cover AI agree to make a good-faith effort to resolve the dispute by providing written notice describing the issue and requested resolution and allowing 30 days for a response. This informal process does not prevent either party from seeking emergency relief, filing an eligible small-claims matter, meeting a legal deadline, reporting an issue to a regulator, or exercising a right that cannot be restricted.

These Terms are governed by Illinois law, without regard to conflict-of-law rules, except that a consumer retains any mandatory protection provided by the law of the consumer’s state of residence. To the extent permitted by law, a court proceeding relating solely to these Terms or general website use must be brought in the state or federal courts located in Cook County, Illinois. A policy, partner transaction, public-adjuster agreement, or other separate contract may contain a different governing-law or dispute provision that controls that matter.

Nothing in these Terms waives any right or remedy under the Illinois Consumer Fraud and Deceptive Business Practices Act, the Texas Deceptive Trade Practices-Consumer Protection Act, applicable insurance law, or another statute to the extent that the right or remedy cannot lawfully be waived. Nothing prevents you from contacting the Illinois Department of Insurance, the Texas Department of Insurance, another regulator, or law enforcement.

24. Changes to These Terms

We may update these Terms to reflect changes in the website, services, technology, business practices, partners, or law. We will post the revised Terms on CoverAI.net and update the effective date above. If required by law, we will provide additional notice or obtain consent before a material change applies. Changes do not retroactively alter an existing issued policy or separate written agreement. Your continued use of the website after the effective date of revised Terms constitutes acceptance only to the extent permitted by law.

25. Miscellaneous

If any provision of these Terms is held invalid or unenforceable, it will be limited to the minimum extent necessary, and the remaining provisions will continue in effect. A failure to enforce a provision is not a waiver. You may not assign your rights under these Terms without our written consent; Cover AI may assign these Terms in connection with a merger, reorganization, financing, sale of assets, or transfer of the website, subject to applicable law.

These Terms, the Privacy Policy, and any disclosures expressly incorporated into them are the entire agreement concerning general use of CoverAI.net. They do not replace the terms of an insurance policy, carrier application, partner portal, public-adjuster agreement, consulting engagement, or other separate transaction document. Headings are for convenience only.