Terms & Conditions

1. Acceptance of Terms

By accessing or using the services provided by Kover King, you agree to be bound by these Terms and Conditions. If you do not agree to all the terms and conditions, then you may not access or use our services.

2. Changes to Terms

We reserve the right to modify or replace these Terms at any time. We will provide notice of any significant changes by posting the new Terms on this page. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.

3. Privacy Policy

Your use of our services is also subject to our Privacy Policy, which is incorporated by reference into these Terms. Please review our Privacy Policy to understand how we collect, use, and disclose information about you.

4. Insurance Services

Kover King provides insurance services and information. The specific terms of any insurance policy will be governed by the policy documents provided to you. In the event of any discrepancy between these Terms and the policy documents, the policy documents shall prevail.

5. User Responsibilities

You are responsible for providing accurate and complete information when using our services. This includes, but is not limited to, information provided during the quote process, policy application, and claims filing. Providing false or misleading information may result in denial of coverage or claims.

6. Intellectual Property

The content, organization, graphics, design, compilation, magnetic translation, digital conversion, and other matters related to the Website are protected under applicable copyrights, trademarks, and other proprietary rights. The copying, redistribution, use, or publication by you of any such matters or any part of the Website is strictly prohibited.

7. Limitation of Liability

Kover King shall not be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content.

8. Indemnification

You agree to defend, indemnify and hold harmless Kover King and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, or b) a breach of these Terms.

9. Termination

We may terminate or suspend your access to our services immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

10. Governing Law

These Terms shall be governed and construed in accordance with the laws of Illinois, United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

11. Dispute Resolution

Any disputes arising out of or related to these Terms or the Service will be resolved through binding arbitration, to be conducted in Chicago, Illinois, in accordance with the rules of the American Arbitration Association.

12. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

13. Contact Us

If you have any questions about these Terms, please contact us at:

Kover King Insurance
123 Main Street
Springfield, IL 62701
Email: info@koverking.com
Phone: (217) 555-1234