Terms of Service

1. Introduction

Welcome to Coverlane! These Terms of Service ("Terms") govern your use of our website and services, which offer insurance products from Coterie specifically designed for small and medium-sized businesses ("Services"). By accessing or using our website, mobile application, or any other services we provide (collectively, "Coverlane Services"), you agree to comply with and be bound by these Terms.

2. Overview of Services

Coverlane serves as a platform through which small and medium-sized businesses can obtain insurance coverage from Coterie Insurance. Please note that all payments, claims, and related processes are handled directly by Coterie Insurance, and Coverlane does not handle or process such transactions.

3. Account Registration

To use certain features of Coverlane Services, you may need to create an account. You agree to provide accurate, current, and complete information during the registration process and to keep your account information updated. You are responsible for maintaining the confidentiality of your account login credentials and for all activities under your account.

4. Insurance Products

Coverlane offers insurance products from Coterie Insurance, including but not limited to general liability, property, workers’ compensation, and business interruption insurance. Please review the specific terms and conditions provided by Coterie Insurance for details on the coverage, exclusions, and other aspects of your policy.

5. Payments and Claims

Payments and claims are fully handled by Coterie Insurance. By purchasing insurance through Coverlane, you authorize Coterie to process all payments and claims in accordance with their policies. Any issues or concerns regarding payment, coverage, or claims must be addressed directly with Coterie Insurance, not Coverlane.

6. Cancellations

All policy cancellations will be processed within 5 business days from the request date. Please note that cancellations must be requested through Coverlane or directly with Coterie Insurance, as applicable. Upon successful cancellation, any applicable refunds will be determined based on Coterie Insurance’s policies and will be processed accordingly.

7. Use of Services

You agree to use Coverlane Services only for lawful purposes and in accordance with these Terms. You will not engage in any activity that disrupts or interferes with the functionality of our platform, including but not limited to introducing malicious code or accessing data without authorization.

8. Privacy and Data Protection

We value your privacy and are committed to protecting your personal information. For details on how we collect, use, and protect your data, please review our Privacy Policy [Insert Privacy Policy link]. By using our Services, you consent to the practices outlined in our Privacy Policy.

9. Limitation of Liability

Coverlane acts solely as an intermediary to provide access to Coterie Insurance products. We do not assume any responsibility or liability for the insurance products provided by Coterie or any claims, payments, or disputes related to them. In no event shall Coverlane be liable for any damages arising from your use of the insurance products or services provided by Coterie.

10. Termination

Coverlane reserves the right to suspend or terminate your access to our Services at any time for violations of these Terms or any other reason, at our discretion. Upon termination, your right to use Coverlane Services will immediately cease.

11. Changes to Terms

Coverlane may update or modify these Terms at any time. We will notify you of significant changes by posting the updated Terms on our website or through other communication channels. Your continued use of Coverlane Services after such changes indicates your acceptance of the revised Terms.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of [State/Country], without regard to its conflict of law principles. Any disputes arising under or in connection with these Terms shall be resolved in the courts located in [City/State].

13. Contact Information

For any questions or concerns regarding these Terms of Service, please contact us at:

Coverlane

Email: help@coverlane.co

Phone: [Insert Contact Phone Number]

Address: [Insert Company Address]