Terms and conditions
These terms cover your use of the Cove Risk Advisors website at coveriskadvisors.com, our client portal at my.coveriskadvisors.com, and the text messages and emails we send. “Cove”, “we” and “us” mean Cove Risk Advisors LLC, a licensed insurance producer in New York (License No. BR-2002134). By using the website or the portal, you agree to these terms. If you don’t agree, please don’t use them; you can always reach us at 718-541-4331.
1. No coverage until it’s bound
You can’t buy, change or cancel coverage through this website, the portal, email, text or voicemail. Coverage starts only when the insurance company agrees to it and we confirm to you in writing that it’s bound. Until then, don’t assume you’re covered.
- Quotes and proposals are estimates based on what you told us and on the insurer’s terms on the day of the quote. They’re subject to the insurer’s underwriting, inspections and other conditions, and they expire.
- Our proposals summarize coverage in plain English. The policy itself always governs. If anything in a proposal, the portal or this website differs from the policy, the policy wins.
- The information you give us, and that we pass to insurers on your behalf, must be complete and accurate. Wrong or missing information can lead an insurer to deny a claim or cancel a policy.
2. Information on this site
The articles, examples and descriptions on this website are general information about commercial insurance. They aren’t advice for your situation, and they aren’t legal, tax or accounting advice. Coverage depends on your policy wording, your state and your facts, so talk to your advisor before relying on anything here.
3. How we’re paid
As your insurance producer, we help you find coverage and we represent you in placing it. Here is how we’re paid, as New York Insurance Regulation 194 (11 NYCRR Part 30) requires us to tell you:
- We’re usually paid a commission by the insurance company (or by the wholesale broker that places your policy) when you buy a policy. The commission is a percentage of the premium.
- Commissions can differ from one insurer or policy to another, and some insurers also pay producers additional compensation based on things like the total business placed with them, its growth or how profitable it is.
- When we charge a fee for our services, such as an agency fee, we tell you the amount in writing before you agree to it, and it appears separately in your proposal’s price breakdown.
- You can ask us for details about the compensation we expect to receive for your policy, including from the insurers we quoted, and we’ll give them to you.
4. The client portal
- Your account. Portal accounts are by invitation for our clients and the people they authorize. Keep your password private, don’t share your account, and tell us right away if you think someone else has used it. You’re responsible for what’s done through your account.
- Documents. The documents in your portal are copies we provide for your convenience. Keep your own copies of anything important; we may remove documents after a policy ends or as our record-keeping rules allow.
- Certificate requests. A request isn’t a certificate. A certificate is issued only after we review the request against your policy, and it doesn’t change or add to your coverage.
- Claims. Reporting a claim through the portal tells us about it so we can help you. It doesn’t replace the notice your policy may require you to give the insurance company. In an emergency, call 911 first, then the insurer’s claims number shown in your portal, and then us.
- Availability. We work to keep the portal running, but it may be unavailable at times. If it is, call or email us.
5. Electronic documents and signatures
When you use the portal or reply to our emails, you agree that we may send you proposals, notices, invoices and other documents electronically, and that you may sign applications, authorizations and other documents electronically. An electronic signature, whether typed or drawn, has the same effect as a signature on paper, under the federal ESIGN Act and New York’s Electronic Signatures and Records Act.
- When you sign in the portal, we record your name, the date and time, and the device and internet address used, with a copy of the exact document you signed.
- You need an up-to-date web browser and a way to view and save PDF files.
- You can ask for a paper copy of anything we send you electronically, at no charge, or withdraw your consent to electronic documents at any time by emailing info@coveriskadvisors.com. Withdrawing consent doesn’t affect documents you’ve already signed. Some insurers may still require their own forms on paper.
6. Text messages
Cove Risk Advisors sends text messages to people who agree to receive them, for example by choosing texting on our website form or by telling their advisor.
- What we send: replies about your inquiry, quotes and proposals, documents to sign, policy service and renewal reminders, appointment reminders, certificate updates and claims help. We don’t send marketing texts unless you separately agree to them.
- How often: message frequency varies with your account activity.
- Cost: message and data rates may apply, according to your mobile plan.
- To stop: reply STOP to any message. We’ll send one text to confirm you’re unsubscribed, and then no more. To start again, reply START.
- For help: reply HELP, call 718-541-4331 or email info@coveriskadvisors.com.
- Agreeing to receive texts isn’t a condition of buying any insurance or service.
- Wireless carriers aren’t liable for delayed or undelivered messages.
- Please don’t text us policy changes or requests to bind or cancel coverage; they aren’t effective until we confirm them in writing (see section 1).
How we handle your mobile number and consent is described in our Privacy policy. Your mobile information is never shared with third parties for marketing.
7. Using the site
- Use the website and portal only for lawful purposes. Don’t try to get into accounts or data that aren’t yours, interfere with how the sites work, or send anything harmful.
- The website’s text, illustrations, logo and design belong to Cove Risk Advisors. You may view and print pages for your own use, but please don’t copy or reuse them without our permission.
- Links to other websites, such as insurance companies, are for convenience. We don’t control those sites and aren’t responsible for them.
8. Limits on liability
We provide this website and the portal “as is”. To the extent the law allows, we aren’t liable for losses that come from using, or not being able to use, the website or the portal, such as an outage, a delayed email or a broken link. This section doesn’t limit any duty we owe you as your insurance producer under our agreement with you or under New York law.
9. Governing law
These terms are governed by the laws of the State of New York. Any dispute about the website or the portal will be handled in the state or federal courts in New York.
10. Changes and contact
We may update these terms. When we do, we’ll post the new version here and change the effective date above; the version in effect when you use the site applies.
Cove Risk Advisors LLC
1449 37th Street, Suite 415, Brooklyn, NY 11218
info@coveriskadvisors.com
718-541-4331
License No. BR-2002134