Last revised September 1, 2026 · Insurance Coverage Center
These conditions govern your use of the Insurance Coverage Center website. They are drafted to be read, not skimmed, and the section that will most often matter to you is section 3, which describes exactly what a request here can and cannot promise.
You must be at least eighteen years old and able to enter a contract. If you use the site for an organisation, you confirm you may bind that organisation to these conditions.
The site reads documents you supply, prepares a written summary of the terms found in them, records a reference for the request, and introduces you, where you ask, to a licensed producer or insurance company. That is the whole of it. The site is not an insurance company, does not underwrite risk, and does not issue, bind, or service a policy.
A request on this site does all of the following and nothing more:
A request does not create a policy, reserve a rate, guarantee an offer, guarantee that any insurer will respond, or oblige you to buy anything. A contract of insurance exists only when a carrier issues a policy after approving an application.
A summary written by this desk is a map of a document. It cannot carry the wording of an exclusion, a condition, or a definition, and it cannot be used in place of the policy. Where a summary and a policy appear to differ, the policy governs, and you should read the clause the summary points to before acting on either.
Every figure on a policy rests on the declarations you and the producer supply. Send figures you can support. A summary built on an incorrect rebuild cost, mileage, or payroll figure will be wrong in the same proportion, and we will not be able to detect it from this side.
The text, layout, marks, and code on this site belong to Insurance Coverage Center or to its licensors. You may read the site and quote from it for your own records. You may not republish it, present it as your own, or use it to build a competing service without written consent. Carrier and regulator names referred to in our material remain the property of their respective owners.
A link leaves this site and enters a document we do not control. We are not responsible for that site's content, its privacy practices, or its availability, and nothing on it should be read as a statement made by this desk.
This site and its services are provided as they stand, without warranty of any kind, whether express or implied, including any implied warranty of merchantability, fitness for a particular purpose, title, or non-infringement. We do not warrant that the site will be uninterrupted, free of error, or free of harmful components.
To the fullest extent the law allows, Insurance Coverage Center, and its officers, employees, and agents are not liable for indirect, incidental, special, consequential, or punitive loss arising from your use of this site or from your dealings with a producer or carrier we introduce. Our total responsibility for every claim connected with this site is limited to one hundred United States dollars ($100).
Nothing in this section limits liability that cannot lawfully be limited, and nothing in it limits your rights against the insurance company that writes your policy.
You agree to indemnify Insurance Coverage Center against a claim arising from your use of this site, your breach of these conditions, your infringement of somebody else's rights, or information you submit that is false or misleading.
By submitting a request you consent to contact from this desk and from the producers and insurers we introduce, by telephone, including an automatic or pre-recorded call, by text message, and by email, at the details you supplied. That consent is not a condition of any purchase. You may withdraw it by writing to [email protected]. Standard message and data rates may apply to text messages.
Access to this site may be suspended or ended at any time, with or without notice, where a request is submitted in good faith but a record has to be closed, or where continued access would breach a condition above. Closing a file does not affect the insurer's obligations to you under a policy already issued.
These conditions, and any dispute arising from them or from your use of this site, are governed by the laws of the State of Washington, without regard to its conflict-of-law rules. Before starting proceedings, write to [email protected] with your reference number so the question can be settled on the record. If it cannot be, the courts of King County, Washington have jurisdiction, and each party submits to it.
If a provision is found unenforceable, it is severed to the smallest extent needed to make it enforceable, and the remaining provisions continue in force.
These conditions, the privacy policy, and the advertising and referral disclosure are the entire agreement between you and this desk regarding your use of the site, and replace anything said or written before this revision date.
These conditions may be revised. The date at the top of this page shows the current revision. Your continued use of the site after a revision is posted constitutes acceptance of the revised conditions.
Insurance Coverage Center
Email: [email protected]
Phone: +1 888 772 1600
Address: 1201 Third Avenue, Seattle, WA 98101
Hours: Monday to Friday, 8:00 AM to 6:00 PM Pacific