Terms of Service
Last Updated: January 2, 2026
Welcome to Diverse Coverage Brokerage Inc. These Terms of Service ("Terms") govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our website or services.
Acceptance of Terms
By using our website or services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms apply to all visitors, users, and others who access or use our services.
Use of Website
Permitted Use
You may use our website for lawful purposes only. You agree not to use our website:
- In any way that violates any applicable law or regulation
- To transmit any harmful or malicious code
- To impersonate or attempt to impersonate our company or employees
- To interfere with or disrupt the website or servers
- To collect or harvest personal information about other users
- For any commercial purpose without our express written consent
Account Security
If you create an account with us, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.
Insurance Services
Brokerage Relationship
Diverse Coverage Brokerage Inc. acts as an independent insurance broker. We represent multiple insurance carriers and work to find suitable coverage options for our clients. We do not guarantee that any particular insurance policy will be available or that any application will be approved.
Quotes and Applications
Insurance quotes provided through our website or services are estimates only and are subject to change based on:
- Verification of information provided
- Underwriting review by insurance carriers
- Changes in your circumstances or risk profile
- Carrier pricing and availability
A quote does not constitute an offer of insurance coverage. Coverage is not in effect until an application is approved by the insurance carrier and payment is received.
Insurance Industry Disclaimers
No Guarantee of Coverage
We make no guarantees regarding the availability, terms, or pricing of insurance coverage. All insurance policies are subject to the terms, conditions, and exclusions set forth by the issuing insurance carrier.
Policy Terms Control
In the event of any conflict between information provided on our website and the actual terms of an insurance policy, the policy terms issued by the insurance carrier shall control. You are responsible for reviewing all policy documents carefully.
Licensing and Regulation
Diverse Coverage Brokerage Inc. is licensed to sell insurance in the State of New York. Our services are subject to state insurance regulations and oversight. We may not be able to provide services in all states or for all types of insurance.
Claims and Coverage Disputes
While we assist our clients with insurance matters, we are not responsible for claim denials or coverage disputes. All claims are subject to the terms and conditions of your insurance policy. If you have a dispute with your insurance carrier, you should contact them directly or seek legal counsel.
Intellectual Property
All content on our website, including text, graphics, logos, images, and software, is the property of Diverse Coverage Brokerage Inc. or its licensors and is protected by copyright, trademark, and other intellectual property laws.
You may not reproduce, distribute, modify, or create derivative works from any content on our website without our express written permission.
Third-Party Links and Services
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or terms of service of any third-party sites. Your use of third-party websites is at your own risk.
Limitation of Liability
To the fullest extent permitted by law, Diverse Coverage Brokerage Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our website or services, including but not limited to:
- Loss of profits or revenue
- Loss of data or information
- Business interruption
- Denial of insurance coverage
- Errors or omissions in information provided
Our total liability to you for any claims arising from your use of our services shall not exceed the amount of fees you have paid to us in the twelve months preceding the claim.
Disclaimer of Warranties
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our website will be uninterrupted, error-free, or free of viruses or other harmful components. We make no warranties regarding the accuracy, completeness, or reliability of any information on our website.
Indemnification
You agree to indemnify, defend, and hold harmless Diverse Coverage Brokerage Inc., its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising out of your use of our website or services, your violation of these Terms, or your violation of any rights of another party.
Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of our services shall be resolved in the state or federal courts located in Nassau County, New York.
Changes to These Terms
We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website with a new "Last Updated" date. Your continued use of our website or services after such changes constitutes acceptance of the updated Terms.
Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be replaced with a valid provision that most closely reflects the intent of the original provision.
Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Diverse Coverage Brokerage Inc. regarding your use of our website and services, and supersede all prior agreements and understandings.
Contact Us
If you have questions about these Terms of Service, please contact us: