Terms of Service

By accessing or using coverageclassroom.com ("the Site"), you agree to these Terms of Service. If you do not agree, do not use the Site.

Educational Purpose Only

All content on Coverage Classroom — including articles, guides, data tables, and the Coverage Profile Builder tool — is provided for general educational and informational purposes only. Nothing on this site constitutes insurance advice, financial advice, legal advice, or a recommendation to purchase any specific insurance product, policy, or coverage amount.

The Coverage Profile Builder identifies potential coverage gaps based on general patterns. It does not assess your individual risk profile, financial situation, or specific insurance needs. Results should be used as a starting point for conversations with a licensed insurance professional in your state, not as a substitute for professional advice.

No Professional Relationship

Using this Site does not create an agent-client, broker-client, advisor-client, or attorney-client relationship between you and Coverage Classroom or any of its contributors. We are not licensed insurance agents or brokers. We do not sell, solicit, or negotiate insurance policies.

Accuracy and Timeliness

We strive to provide accurate, up-to-date information sourced from state insurance departments, the NAIC, FEMA, and other public sources. However, insurance regulations, rates, and products change frequently. We do not warrant that any information on this site is complete, current, or error-free. Always verify information with your state insurance department or a licensed agent before making coverage decisions.

Age Requirement

You must be at least 18 years old to use this Site. By using the Site, you represent that you are at least 18 years of age. If you are under 18, do not use this Site.

Limitation of Liability

To the maximum extent permitted by law, Coverage Classroom, its owners, employees, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or reliance on any content, tool, or feature on this Site. This includes, without limitation, damages arising from coverage decisions made based on information found on this Site.

You assume all risk associated with your use of this Site. Insurance coverage decisions involve complex factors that only a licensed professional familiar with your individual circumstances can properly evaluate.

Intellectual Property

All content on this Site — including text, graphics, logos, data compilations, and software — is the property of Coverage Classroom or its content suppliers and is protected by copyright law. You may not reproduce, distribute, or create derivative works from our content without written permission, except for personal, non-commercial use.

Third-Party Links

This Site may contain links to third-party websites, including state insurance department sites, federal agencies, and other educational resources. We provide these links for convenience and do not endorse or control the content of external sites. We are not responsible for the accuracy, privacy practices, or content of third-party sites.

User Conduct

You agree not to use this Site for any unlawful purpose, to interfere with the Site's operation, to attempt to gain unauthorized access to any part of the Site, or to use automated means to access or scrape content without permission.

Changes to Terms

We may modify these Terms at any time by posting updated terms on this page. Your continued use of the Site after changes constitutes acceptance of the new terms. We encourage you to review these Terms periodically.

Governing Law

These Terms are governed by the laws of the State of Washington, without regard to conflict of law principles. Any disputes arising from these Terms or your use of the Site shall be resolved in the courts of King County, Washington.

Contact

Questions about these Terms? Contact us at legal@coverageclassroom.com.