Terms and Conditions
Last updated: [November 12, 2025]
Welcome to the website of Hardcover LLC (“Hardcover,” “we,” “us,” or “our”). By visiting or using our website, 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 advice or an offer to sell insurance.
All coverage is subject to the terms, conditions, and exclusions of the actual policy issued.
You agree to use this site and our communication channels only for lawful purposes and in accordance with these Terms. You may not attempt to disrupt, interfere with, or gain unauthorized access to any part of our systems or services.
2. Accuracy and Availability
We make every effort to keep the information on this website accurate and current; however, Hardcover LLC does not guarantee that the content is complete, reliable, or error-free.
We reserve the right to modify or update any part of the website or these Terms at any time without prior notice.
We are not responsible for technical issues, temporary unavailability, or interruptions of the site caused by factors beyond our control.
3. External Links
Our website may include links to third-party sites for your convenience. Hardcover LLC does not control or endorse these sites, nor are we responsible for their content, privacy practices, or accuracy. Visiting any external website is at your own risk.
4. SMS and Text Messaging Policy
By providing your phone number to Hardcover LLC, you consent to receive text messages (SMS or MMS) from us at the numbers you provide. These messages may include policy updates, quotes, reminders, service information, and promotional offers.
Consent and Frequency
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By opting in, you authorize Hardcover LLC and its representatives to contact you via text message, which may be sent using automated technology.
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You will receive approximately 2–4 messages per month.
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Consent to receive text messages is not a condition of purchasing insurance or any other service.
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Standard message and data rates may apply.
Opting Out
You can cancel text messaging at any time by replying STOP to any message. After opting out, you may receive a confirmation text to verify your request.
You may also contact us directly at info@hardcoverins.com or call (877) 247-7755 for assistance.
Help
For help with text messages, reply HELP to any message or contact our team at (877) 247-7755.
Carrier Disclaimer
Mobile carriers are not liable for delayed or undelivered messages. You are responsible for notifying us if your mobile number changes or is reassigned.
5. Compensation Disclosure
Hardcover LLC operates as an insurance intermediary. We may receive compensation in the form of commissions from insurance carriers and/or fees paid by clients. We do not receive contingent or supplemental compensation (such as bonuses based on premium volume or profitability).
We believe in transparency regarding how we are compensated. If you have questions about our compensation practices, please contact us at info@hardcoverins.com.
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, consequential, or punitive damages arising from your use of, or inability to use, this website, our text messaging service, or any linked content.
Your sole remedy for dissatisfaction with our site or communications is to discontinue their use.
7. Privacy and Data Protection
Your use of this site and participation in our communications are also governed by our Privacy Policy, which explains how we collect, use, and protect your information. By using our website or providing your information, you consent to those practices.
8. Governing Law
These Terms and any disputes related to your use of this website or our communications 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
