Terms of Use

February 1, 2024

Welcome to the Comparecoverage.com Terms of Use. By accessing comparecoverage.com (the “Site”), you expressly acknowledge and agree to these Terms of Use and Privacy Policy (accessible here) and be legally bound by them.

This Site empowers visitors with information about insurance products and valuable partner offers, along with the ability to compare and shop for the best insurance policies for your needs. Marketplace P&C LLC (hereinafter referred to as “we”, “us”, or “our”) is solely responsible for the Site's content and all aspects of your interaction with the Site. Our goal is to provide visitors to the Site with a positive and informative experience, while at the same time protecting our rights and the rights of any person or entity that uses or visits the Site (collectively, “Users” hereinafter referred to as “you” or “your”).

Insurance Products And Services

This Site includes descriptions of the benefits available for various insurance protection plans. We are a licensed insurance agency not an insurance provider. Any insurance plan offered to you is provided by the party listing the plan, and not us. The Services provided by us and any insurance plans offered by insurance companies may not be available in all jurisdictions. The terms and conditions of any insurance plan are provided by the insurer and may vary based on their underwriting factors determined solely by them. Plan benefits are subject to reductions, limitations, exclusions, and termination provisions. If you purchase a plan from one of the insurance providers on our Site, the full details of your benefits will be contained in the plan document sent to you upon purchase.

Additional Terms For Travel Insurance

If you are purchasing a travel insurance plan on the Site, each travel insurance provider will have its own refund policy and free look provisions, depending on the requirements in your state. In most cases, our travel insurance providers will allow refunds ranging from three (3) to fifteen (15) calendar days from the travel insurance plan purchase date, assuming the travel hasn't commenced. Please refer to each insurance provider's refund policy for specific details.

Site Access And Use

You may visit and use the Site, provided that you are over the age of 18 and you comply with these Terms and applicable law. You may not use this Site or any content contained in it for any illegal or inappropriate activities. Your use of the Site should be limited solely for personal, non-commercial and information purposes. Any other use of the Site, including but not limited to, copying text or collecting images, is expressly prohibited.

Our Services are intended to connect users with information about insurance products and services and the ability to shop and compare prices amongst providers (the “Services”). We may collect certain information about you and provide such information to a third party, partner or affiliate partner, including insurance providers and other agencies (“Third Party”), with your consent. Any products or services advertised on this Site or made available to you from a Third Party are and remain the sole responsibility of the respective product vendors and service providers.

If you provide contact information to us on the Site or in connection with the Services, you consent to the collection and use of such information, and any Third Party's use, in order to contact you in connection with the Services chosen, including express consent for us or our Third Parties to use your mobile telephone number to call and transmit text messages to your mobile device about insurance offers, including with the use of a pre-recorded voice message or automatic telephone dialing system, even if your number is registered on any do-no-call lists. Your consent is not required as a condition of purchase. Our Privacy Policy, which is incorporated into these Terms, explains how we collect, use, and share your information.

Site Content

While we aim to be as accurate as possible, we do not warrant that the text, images, photos, offers or information available on the Site (the “Content”), including Content provided by a Third Party, is accurate, complete or up to date. We reserve the right to make changes to the Site and Content in our sole judgment, without prior notice of such changes.

Content is meant to provide you with information only and should not be construed as financial, investment, tax, insurance, legal or any other type of advice. While you may see offers from Third Parties (“Third Party Content”), we are not providing personal financial products or services. We are not responsible for Third Party Content nor do we make any guarantees regarding Third Party Content. You acknowledge and agree that we are not liable for any damages or claims arising from your use or reliance on Third Party Content. Please consult a qualified professional if you are seeking advice.

In addition to Third Party Content, the Site may contain links to other websites hosted by a Third Party, and may enable you to provide information to such websites that are not owned or controlled by us. We make no guarantees regarding the quality, safety, truth, accuracy, reliability, completeness, condition or usefulness hyperlinks to third-party websites outside of the Site, or any content posted on third party websites.

Intellectual Property

Our logos, name, graphics, headers, and scripts are our trademarks (collectively, the “Marks”). You may not use the Marks without permission. Viewing, reading, printing, downloading or otherwise using Content or Third Party Content does not grant you any intellectual property rights to the Content or Third Party Content. In the event of your infringement of our intellectual property rights, you are solely responsible for any damages resulting from such infringement.

We make no proprietary claim to any third-party names, trademarks, or service marks appearing on our Site, nor are we responsible for any warranties regarding the intellectual property rights of or relating to any Third Party Content.

Third Party Sites

The Site may contain links to other websites hosted by other parties (“Third Party Sites”) and you may provide information to such Third Party Sites that are not owned or controlled by us. In addition, such Third Party Sites may contact you based on information you provide to them. We provide these links and references to you solely as a convenience and we assume no responsibility for Third Party Content. The Third Party Sites are not maintained by us, and You may choose to decide not to interact with a Thirty Party Site or Third Party Content. We do not represent or warrant that Third Party Sites or Third Party Content is accurate or compliant with intellectual property laws and other applicable regulations, and you should read the terms of Third Party Sites to understand your rights.

Disclaimer

YOUR USE OF THE SITE AND ITS CONTENTS IS AT YOUR OWN RISK. ALL CONTENT AND SERVICES ON THE SITE AND ANY THIRD-PARTY SITES TO WHICH THE FOREGOING LINKS ARE PROVIDED “AS IS” OR “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND. WE ARE NOT RESPONSIBLE FOR THE AVAILABILITY OR CONTENT OF OTHER SERVICES THAT MAY BE LINKED TO THE SITE. BECAUSE WE HAVE NO CONTROL OVER SUCH SERVICES, YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT RESPONSIBLE FOR THE AVAILABILITY OF SUCH EXTERNAL SERVICES, AND THAT WE DO NOT ENDORSE AND ARE NOT RESPONSIBLE OR LIABLE FOR ANY CONTENT, ACCURACY, QUALITY, ADVERTISING, PRODUCTS OR OTHER MATERIALS ON OR AVAILABLE FROM SUCH EXTERNAL SERVICES. YOU FURTHER ACKNOWLEDGE AND AGREE THAT WE SHALL NOT BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY DAMAGE OR LOSS CAUSED OR ALLEGED TO BE CAUSED BY OR IN CONNECTION WITH THE USE OF OR RELIANCE ON ANY CONTENT, GOODS, OR SERVICES AVAILABLE ON OR THROUGH SUCH EXTERNAL SERVICES. THE CONTENT PUBLISHED ON THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINED ON THE SITE OR ANY SERVICES, CONTENT OR MATERIALS CONTAINED THEREIN WILL MEET YOUR NEEDS, BE COMPLETE OR ACCURATE, BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY MATERIAL OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT USER'S OWN DISCRETION AND RISK, AND USER WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO USER'S COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF SUCH MATERIAL OR DATA. NO INFORMATION OBTAINED BY USER THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. ACCORDINGLY, SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

Indemnity Limitation Of Liability

IN ORDER TO USE THIS SITE, YOU AGREE TO INDEMNIFY, DEFEND AND HOLD US, OUR SUBSIDIARIES AND AFFILIATED COMPANIES, AND EACH OF OUR RESPECTIVE PARTNERS, SUPPLIERS, LICENSORS, OFFICERS, DIRECTORS, SHAREHOLDERS, MEMBERS, EMPLOYEES, REPRESENTATIVES, CONTRACTORS AND AGENTS, FROM ANY AND ALL CLAIMS (INCLUDING, BUT NOT LIMITED TO, CLAIMS FOR DEFAMATION, TRADE DISPARAGEMENT, PRIVACY AND INTELLECTUAL PROPERTY INFRINGEMENT) AND DAMAGES (INCLUDING ATTORNEYS' FEES AND COURT COSTS) ARISING FROM OR RELATING TO ANY ALLEGATION REGARDING: (A) YOUR USE OF THE SITE; (B) OUR USE OF ANY CONTENT OR INFORMATION YOU PROVIDE; AND (C) ANY VIOLATION OF THESE TERMS BY YOU. If you are dissatisfied with the Site, or with any Terms herein, your sole and exclusive remedy is to discontinue using the Site, as applicable. This liability is limited, to the fullest extent permitted by law. Some jurisdictions may not allow the exclusion or limitation of liability for incidental or consequential damages, in which case some of the limitations, exclusions and disclaimers in these terms may not apply to you. To the extent that we may not, as a matter of applicable law, limit our liabilities, the extent of our liability shall be the minimum permitted under such applicable law.

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE OR OUR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, THAT RESULT FROM: (A) THE USE OF, OR THE INABILITY TO USE, THE CONTENT OR THE SITE; (B) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, THE CONTENT, OR THE SITE; OR (C) ANY ERRORS OR OMISSIONS IN THE CONTENT OR SITE. YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT WE ARE NOT LIABLE FOR ANY CONDUCT OF ANY USER.

Applicable Law

These Terms have been made in and shall be construed and enforced in accordance with the laws of the State of New York, without giving any regard to its conflict of law principles.

Dispute Resolution And Binding Arbitration

You and we each agree to the following dispute resolution provisions with respect to any claim, dispute, or controversy that you may have against us, our subsidiaries, affiliates, and each of their respective current or former members, officers, directors, and employees, arising out of, relating to, or connected in any way with the Site, the Content or these Terms (a “Dispute”) and any lawsuit, arbitration or other proceeding that may arise out of such Dispute (an “Action”). If you have a Dispute with us, please contact us at Attn: Legal Department, Marketplace P&C LLC, 350 5th Avenue, 41st Floor, New York, NY 10118, with a description of your dispute and we will schedule a meeting via telephone or videoconference, in a good-faith effort to confer with each other and try to resolve the Dispute informally (“Informal Dispute Process”).

Class Action and Jury Waiver. YOU AGREE THAT BY ENTERING INTO THESE TERMS, IN PARTICULAR THE AGREEMENT TO BINDING ARBITRATION, YOU ARE WAIVING THE RIGHT TO TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION AND THAT YOU MAY BRING CLAIMS AGAINST US ONLY IN YOUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. ANY ARBITRATION OR OTHER ACTION WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED.

Binding Arbitration. If you and we are unable to resolve a Dispute informally, you and we each agree that any Dispute must be brought on an individual basis and will be resolved exclusively by final, non-appealable, and binding arbitration (“Arbitration”) before an arbitrator mutually selected by the parties (the “Arbitrator”). The Arbitrator must have experience and expertise with the subject matter of the Dispute and be a former federal or state court judge.

If a party brings an Arbitration without following the Informal Dispute Process, it is grounds for dismissal, and such party is required to pay any reasonable costs and fees of the other party.

The parties will meet and confer in good faith to select an arbitrator. For purposes of this Binding Arbitration section, good-faith meet-and-confer efforts require that each party propose at least three arbitrators who meet the qualifications described in these Terms.

If the parties are unable to agree on an arbitrator, either party may petition the state courts of New York to appoint an arbitrator whereby the court provides the parties with a panel of five potential arbitrators meeting the requirements herein for an arbitrator, each party strikes one arbitrator, and the court appoints the arbitrator from the remaining arbitrators on the panel based on the arbitrator's qualifications and expertise, and the requirements of these Terms. For purposes of this section, good-faith meet-and-confer efforts require that each party propose at least three arbitrators who meet the qualifications described in these Terms.

The Arbitration shall be administered pursuant to JAMS' Streamlined Arbitration Rules and Procedures or other comparable rules that the parties agree to, although this does not mean that JAMS will administer the Arbitration nor appoint the Arbitrator.

The Arbitration shall be conducted via electronic or telephonic means or by a submission of documents in lieu of a personal appearance by the parties. However, the arbitrator shall have discretionary authority to require a face-to-face meeting. If the party seeking Arbitration fails to appear at the administrative conference regardless of whether such party's counsel attends, the Arbitrator will administratively close the Arbitration proceeding without prejudice, unless such party shows good cause as to why they were not able to attend the conference.

Arbitration Costs. If the Arbitrator finds that the costs and fees of an Arbitration you initiate will be prohibitive for you as compared to the costs of litigation, we will pay as much of your filing, arbitrator, and hearing fees in the Arbitration as the Arbitrator deems necessary to prevent the Arbitration from being cost-prohibitive, regardless of the outcome of the Arbitration, unless the Arbitrator determines that your claim(s) were frivolous or asserted in bad faith. If we initiate an Arbitration against you, we will pay all costs associated with the arbitration (other than your attorneys' fees and expenses unless permitted to be recovered under the arbitration rules or applicable law).

General Provisions

These Terms may be modified by us at any time by updating and posting a new version on the Site or by otherwise notifying you of the revised Agreement. By using the Site, you agree to be bound by the terms and conditions of the version of the Terms that is in force during such use. The invalidity or unenforceability of any provision of these Terms shall not affect the validity of these Terms as a whole and any such provision should be enforced by authorities, and reconstructed if need be, to apply to the maximum extent allowable under applicable law. The failure by either party to enforce at any time any of the provisions of these Terms to exercise any election or option provided herein, or to require at any time the performance of the other of any of the provisions herein will not in any way be construed as a waiver of such provisions. Reasonable attorneys' fees and costs will be awarded to the prevailing party in the event of litigation involving the enforcement or interpretation of these Terms. The section headings used herein are for convenience only and shall not be given any legal import.

Notices. We are permitted to send notices to you by posting a notice on the Site (deemed received on your accessing the Site or using the Services) or via email to any address that you have provided.