Terms of Use

1. Acceptance of Terms

By accessing and using FloridaCover.com ("the Website", "we", "us", or "our"), you confirm that you have read, understood, and agree to be bound by these Terms of Use in their entirety. These terms apply to all visitors, users, and anyone who submits information through this website. If you do not agree to any part of these terms, you must stop using this website immediately. Your continued use of the website following any updates to these terms constitutes your acceptance of the revised version.

2. Nature of Service — Comparison and Referral Only

FloridaCover.com is a marine insurance comparison and referral service. We are not a licensed insurance company, insurance broker, insurance agent, or financial adviser under any applicable US state or federal law, including Florida Statute Chapter 626 (Insurance Agents) or related federal regulations. We do not issue, underwrite, or bind insurance policies. We do not receive insurance premiums on behalf of any insurer.

Our service connects users who are seeking marine insurance with licensed US marine insurance advisors, agents, and providers. When you submit a quote request or enquiry through this website, that information may be passed to one or more licensed insurance professionals who will contact you directly. Any insurance contract you enter into is between you and the relevant licensed provider — FloridaCover.com is not a party to that contract.

All information on this website is provided for general guidance and educational purposes only. Nothing on this website constitutes professional insurance advice, financial advice, legal advice, or a recommendation to purchase any specific insurance product. You should always obtain advice from a licensed insurance professional before making any insurance decision.

3. No Insurance Contract or Coverage

Nothing on this website — including product descriptions, coverage summaries, premium estimates, or any other content — creates, modifies, or constitutes an insurance contract or binds any insurance coverage. Submitting a quote request, filling out a form, or clicking any button on this website does not guarantee that insurance coverage will be offered, quoted, or bound. Any coverage offered is subject to the individual underwriting criteria, terms, and conditions of each licensed insurer or provider. Always read the full policy wording from your chosen provider before purchasing any insurance product.

4. Accuracy and Currency of Information

We make every reasonable effort to ensure that information on this website is accurate, current, and complete. However, marine insurance products, premiums, coverage terms, underwriting criteria, provider details, and applicable laws change frequently. We make no warranties or representations — express or implied — as to the accuracy, completeness, timeliness, or suitability of any information on this website for any particular purpose. You acknowledge that you are using this website and relying on its content entirely at your own risk. Always verify current product details, pricing, and terms directly with the relevant licensed insurer or adviser before making any decisions.

5. User Obligations

When using this website, you agree to provide accurate, truthful, and complete information in any forms or communications. You must not use this website for any unlawful purpose, or in a manner that could damage, disable, or impair the website or interfere with any other user's enjoyment of it. You must not attempt to gain unauthorized access to any part of the website, its servers, or any data held by us. Misuse of the website — including submitting false information, spamming, scraping, or any form of automated bulk access without our prior written consent — is strictly prohibited and may result in legal action.

6. Third-Party Insurance Providers

This website provides information about and may connect users with third-party marine insurance providers, including but not limited to Progressive, BoatUS / GEICO Marine, Markel, Chubb, Foremost, and others. FloridaCover.com is not affiliated with, endorsed by, or sponsored by these companies unless explicitly and clearly stated. Provider ratings, descriptions, features, and comparisons presented on this website are based on our own independent research and assessment and do not constitute an endorsement of any product. We are not responsible for the products, services, pricing, conduct, or claims handling of any third-party provider, and we accept no liability in connection with any policy you purchase from a third party.

7. Intellectual Property

All content on this website — including text, articles, comparisons, reviews, images, graphics, logos, page layouts, and underlying code — is the property of FloridaCover.com or its content licensors and is protected by applicable US and international copyright law. You may access and view website content for personal, non-commercial purposes only. You may not reproduce, copy, modify, distribute, publish, transmit, create derivative works from, or commercially exploit any content on this website without our prior express written consent. Any unauthorized use of our intellectual property may result in legal action.

8. Limitation of Liability

To the maximum extent permitted by applicable law, FloridaCover.com, its operators, owners, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages arising from or in connection with: your use of or inability to use this website; any errors or omissions in content; any reliance placed on information obtained through this website; any insurance decision made based on information from this website; or any dealings with third-party insurance providers to whom we have referred you. This limitation applies regardless of whether the claim is based in contract, tort, negligence, strict liability, or any other legal theory, even if we have been advised of the possibility of such damages.

9. Governing Law and Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Florida, United States of America, without regard to its conflict of law provisions. You agree that any dispute, claim, or controversy arising out of or relating to these terms or your use of this website shall be subject to the exclusive jurisdiction of the state and federal courts located in Miami-Dade County, Florida. If any provision of these terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

10. Changes to These Terms

We reserve the right to modify, update, or replace these Terms of Use at any time, at our sole discretion. All changes are effective immediately upon being posted to this page. The "last updated" date at the top of this page will reflect the most recent revision. We encourage you to review these terms periodically. Your continued use of the website after any changes are posted constitutes your binding acceptance of the revised terms.

11. Contact Us

If you have any questions, concerns, or complaints regarding these Terms of Use, please contact us at: hello@cover4you.co.nz. We aim to respond to all enquiries within two business days.