Last Updated: October 30, 2025
By accessing or using PolicyCover's website and services, you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access our services.
PolicyCover provides insurance brokerage services, including but not limited to:
We act as an intermediary between clients and insurance providers. We are not an insurance company and do not underwrite insurance policies.
You agree to provide accurate, current, and complete information when:
Providing false or misleading information may result in policy cancellation, claim denial, or legal consequences.
If you create an account, you are responsible for:
You agree not to:
Submission of an insurance application does not guarantee coverage approval. All applications are subject to underwriting by the respective insurance providers.
Your insurance coverage is governed by the policy documents issued by the insurance provider. We recommend carefully reviewing all policy documents upon receipt.
You are responsible for timely payment of insurance premiums. Failure to pay premiums may result in policy cancellation.
PolicyCover may receive commissions from insurance providers for policies placed. These commissions do not affect the price you pay for insurance coverage. Any additional service fees will be clearly disclosed to you in advance.
All content on our website, including text, graphics, logos, images, and software, is the property of PolicyCover or our licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not:
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:
While we provide information and recommendations, nothing on our website should be construed as financial, legal, or tax advice. You should consult with qualified professionals for advice specific to your situation.
To the maximum extent permitted by law, PolicyCover and its officers, directors, employees, and agents shall not be liable for:
Our total liability shall not exceed the fees paid by you to us in the twelve months preceding the claim.
You agree to indemnify, defend, and hold harmless PolicyCover and its affiliates from any claims, damages, losses, liabilities, and expenses arising from:
Our collection and use of personal information is governed by our Privacy Policy. By using our services, you consent to our privacy practices as described in the Privacy Policy.
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of these external sites. Your interactions with third parties are solely between you and them.
We reserve the right to terminate or suspend your access to our services immediately, without prior notice, for:
Upon termination, your right to use our services will immediately cease.
We reserve the right to modify these Terms at any time. We will notify you of material changes by:
Your continued use of our services after changes constitute acceptance of the modified Terms.
These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, without regard to conflict of law principles.
Any disputes arising from these Terms or our services shall be resolved through:
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and PolicyCover regarding our services.
If you have questions about these Terms of Service, please contact us:
By using PolicyCover's services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.