TERMS AND CONDITIONS
Last updated: February 12, 2026
Welcome to the website of Hardcover LLC (“Hardcover,” “we,” “us,” or “our”). By visiting or using our website, uploading documents, contacting us, or participating in our communications (including text or SMS messaging), you agree to the following Terms and Conditions. Please review them carefully.
1. Purpose and Use
This website is operated by Hardcover LLC to provide information about our insurance products and services. The content is for general informational purposes only and should not be considered legal or financial advice. All coverage is subject to the terms, conditions, and exclusions of the actual policy issued.
2. Document Uploads and User Representations
Our website allows you to upload insurance policies, binders, and other documents ("User Content"). By using the upload feature, you represent and warrant that:
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Authority: You have the legal right to possess and share the documents provided.
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Accuracy: The information contained within the documents is true, accurate, and complete to the best of your knowledge.
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No Binding Authority: You acknowledge that the act of uploading a document or requesting a quote does not constitute the inception of a new insurance policy or a "binder" of coverage. Coverage is only bound when confirmed in writing by a licensed agent and an insurance carrier.
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Liability: Hardcover LLC is not responsible for any quotes, coverage gaps, or underwriting decisions resulting from inaccurate, altered, redacted, or outdated documents provided by you.
3. Accuracy and Availability
While we strive for accuracy, Hardcover LLC does not guarantee that the content on this site is complete, reliable, or error-free. We reserve the right to modify the website or these Terms at any time without notice. We are not responsible for technical issues or interruptions caused by factors beyond our control.
4. SMS and Text Messaging Policy
By providing your phone number, you consent to receive text messages (SMS or MMS) from Hardcover LLC.
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Consent and Frequency: You authorize us to contact you via automated technology for policy updates, quotes, and reminders. You will receive approximately 2–4 messages per month.
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Opting Out: Reply STOP to any message to cancel.
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Help: Reply HELP or call (877) 247-7755 for assistance.
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Disclaimer: Mobile carriers are not liable for delayed or undelivered messages.
5. Compensation Disclosure
Hardcover LLC operates as an insurance intermediary. We may receive compensation via commissions from insurance carriers and/or fees paid by clients. We do not receive contingent or supplemental compensation based on premium volume. We believe in transparency; please contact info@hardcoverins.com with any questions regarding our compensation.
6. Limitation of Liability
To the fullest extent permitted by law, Hardcover LLC, its affiliates, employees, and agents will not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website, our text messaging service, or the handling of uploaded documents. Your sole remedy for dissatisfaction is to discontinue use of our services.
7. Privacy and Data Protection
Your use of this site is also governed by our Privacy Policy, which explains how we collect, use, and protect your information and uploaded documents. By using our website, you consent to those practices.
8. Governing Law
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any disputes shall be resolved exclusively in the courts located in Florida.
9. Contact Information
Hardcover LLC
19790 W. Dixie Hwy #1004, Aventura, FL 33180
Phone: (646) 257-2478 | (877) 247-7755 | (954) 210-4144
Email: info@hardcoverins.com
