Terms of Use

Last Updated: August 30, 2026

These Terms of Use (“Terms”) govern access to and use of CoverageRequest.com and services provided by Coverage Request LLC (“Coverage Request,” “we,” “us,” or “our”).

These Terms apply to consumers using CoverageRequest.com and, where applicable, insurance agents, agencies, and other business users accessing Coverage Request services or the agent portal.

Certain agency relationships may also be governed by a separate Lead Purchase Agreement, order form, pricing agreement, invoice, or other written agreement. If a separate written agreement conflicts with these Terms concerning an agency’s purchase of leads, the specific written agreement will control to the extent of that conflict.

By using CoverageRequest.com, submitting an insurance request, creating or using an account, purchasing or receiving leads, or otherwise using our services, you agree to these Terms and our Privacy Policy.

ABOUT COVERAGE REQUEST

Coverage Request operates an online insurance-request, lead-generation, and lead-distribution service.

Coverage Request helps consumers submit information concerning insurance needs and may connect or route requests to licensed insurance agents, agencies, carriers, or insurance-related partners.

Coverage Request is not an insurance company or insurance carrier.

Unless expressly stated otherwise, Coverage Request is not acting as a consumer’s insurance agent or broker.

Coverage Request does not:

Issue insurance policies
Underwrite insurance
Bind insurance coverage
Make final insurance eligibility decisions
Guarantee approval
Set insurance premiums
Guarantee insurance pricing
Guarantee coverage
Provide legal, tax, medical, or financial advice

Insurance quotes, products, underwriting decisions, prices, recommendations, and policies are provided by the applicable insurance professionals or carriers.

CONSUMER ELIGIBILITY

Consumer insurance-request services are intended for persons who are at least 18 years old.

By submitting an insurance request, you represent that you are legally capable of providing the requested information and consent.

INSURANCE REQUESTS

Consumers may use CoverageRequest.com to submit requests concerning auto insurance, life insurance, or other insurance products Coverage Request may support.

Submitting information through Coverage Request is not necessarily the same as completing a formal insurance application.

A participating insurance professional or carrier may require additional information or a separate application.

Submitting an insurance request does not guarantee:

Contact from an insurance professional
Availability of insurance
Approval for insurance
Any particular premium
Any particular coverage amount
Any particular deductible
Any particular carrier
Any particular insurance product

ACCURACY OF CONSUMER INFORMATION

You agree to provide information that is accurate and complete to the best of your knowledge.

You may not intentionally:

Submit false information
Impersonate another individual
Submit another person’s personal information without authorization
Submit fraudulent insurance requests
Use automated systems to create false submissions
Interfere with the legitimate operation of the service

Insurance professionals may rely on information provided through the service when deciding whether to contact a consumer.

Final insurance underwriting decisions are made independently by insurance professionals or insurance carriers.

AUTO INSURANCE REQUESTS

Auto insurance requests may include information concerning:

Contact information
Address
Vehicles
Drivers
Age or date of birth
License status
Current insurance
Driving history
Accidents, tickets, claims, or violations
Homeownership
Marital status
Gender
Approximate credit category
Coverage timeline

Coverage Request may categorize auto leads for routing purposes.

Any internal classification, including categories such as Preferred, Standard, or Non-Standard, is used for lead organization or matching and is not an insurance underwriting determination.

LIFE INSURANCE REQUESTS

Life insurance requests may include information such as:

Age
Location
Desired coverage amount
Tobacco or nicotine use
General health category
Desired coverage timeline

Information submitted through Coverage Request is not a medical diagnosis.

An insurance carrier may require considerably more information during an actual application or underwriting process.

LEAD DISTRIBUTION

Coverage Request determines how qualifying insurance requests are routed to participating agencies based on applicable account settings and routing criteria.

Routing may consider:

Insurance type
ZIP code or location
Agency eligibility
Agency preferences
Account status
Daily lead limits
Lead distribution category
Lead availability
CRM configuration
Other matching criteria

A consumer may be contacted by more than one participating insurance professional.

SHARED LEADS

A “Shared Lead” is a lead that may be provided to multiple participating agencies or insurance professionals.

An agency purchasing or receiving Shared Leads understands that other participating insurance professionals may receive the same consumer’s information and may contact that consumer.

Coverage Request does not guarantee how many other insurance professionals may receive or contact a consumer unless a specific written agreement states otherwise.

Competition and speed-to-contact are inherent characteristics of shared leads.

EXCLUSIVE OR SINGLE-BUYER ROUTING

Coverage Request may offer an “Exclusive,” “Single-Buyer,” or similar routing category.

Under the current routing model, a lead designated for this category is routed to no more than one eligible agency within the exclusive-routing pool.

Unless Coverage Request expressly guarantees complete exclusivity in a separate written agreement, “Exclusive” does not mean that the consumer’s information has never been or will never be provided to another insurance professional through another lead category, shared distribution arrangement, consumer action, or third-party source.

Agencies should rely on the specific lead product description or written agreement when determining the level of exclusivity being purchased.

DAILY LEAD CAPS

Participating agencies may establish or be assigned a daily lead limit.

Coverage Request may stop routing additional leads to an agency after the applicable daily limit has been reached.

A daily lead cap is a maximum or routing target and does not constitute a guarantee that the agency will receive that number of leads.

Lead volume depends on consumer demand, qualifying submissions, geography, routing rules, availability, and other factors.

Unused daily capacity does not create a right to future leads unless separately agreed in writing.

AGENCY AND AGENT ACCOUNTS

Coverage Request may provide participating agencies and authorized agents access to an online portal or other account features.

Agency users agree to:

Provide accurate account information
Use accounts only for legitimate business purposes
Keep usernames and passwords confidential
Restrict portal access to authorized personnel
Promptly notify Coverage Request of suspected unauthorized access
Maintain any licenses or authorizations required by applicable law
Use consumer information only for lawful insurance-related purposes
Protect consumer information against unauthorized access or disclosure
Follow applicable privacy, insurance, telemarketing, marketing, and consumer-protection laws
Follow Coverage Request lead and account policies

An agency is responsible for actions taken through accounts associated with its organization to the extent permitted by law.

INSURANCE LICENSING

Participating insurance professionals are responsible for ensuring that they and their personnel possess all licenses, appointments, authorizations, registrations, and approvals required to solicit, quote, sell, or otherwise conduct insurance activity in the jurisdictions in which they operate.

Coverage Request may request verification of licensing or other business information.

Receipt of a lead does not authorize an agency or individual to conduct activity they are not legally authorized to perform.

LEAD USE

Leads provided by Coverage Request may be used only for legitimate purposes related to responding to the consumer’s insurance request and as otherwise permitted by applicable law and the applicable agreement.

An agency may not, without appropriate legal authority or consent:

Resell Coverage Request leads
Publish consumer information
Use consumer information for unrelated purposes
Transfer consumer information to unauthorized parties
Misrepresent Coverage Request
Misrepresent the consumer’s consent
Use leads for fraudulent or unlawful activity

CONTACTING CONSUMERS

Insurance professionals are independently responsible for ensuring that calls, emails, text messages, and other communications comply with applicable laws and the consent actually provided by the consumer.

Coverage Request’s provision of a lead does not guarantee that every method of communication is legally permitted.

Agencies are responsible for evaluating the consent record, applicable calling or messaging technology, suppression requirements, do-not-call requirements, licensing requirements, and any other laws applicable to their communications.

Consumers are not required to purchase insurance from any party contacting them.

LEAD PRICING

Lead pricing may vary based on factors including:

Insurance product
Lead category
Shared or single-buyer routing
Agency agreement
Lead volume
Geography
Other agreed pricing arrangements

The price applicable to an agency will be the price established in its account, order, invoice, pricing schedule, or separate written agreement.

Coverage Request may change pricing for future leads after providing any notice required by the applicable agreement or law.

BILLING AND INVOICES

Coverage Request may bill participating agencies according to an agreed schedule, including per-lead, weekly, recurring, prepaid, or another agreed arrangement.

Invoices are due according to the payment terms shown on the invoice or applicable agreement.

Agencies are responsible for reviewing invoices and notifying Coverage Request promptly of legitimate billing disputes.

Failure to pay amounts when due may result in:

Suspension of lead delivery
Suspension of portal access
Reduction of lead limits
Termination of the agency relationship
Collection of amounts legally owed

Coverage Request may use third-party payment providers to process payments.

Additional payment terms may be established in an agency’s separate agreement or invoice.

LEAD DELIVERY

A lead may be considered delivered when Coverage Request makes the lead available to the agency through an agreed delivery method, which may include:

Agent portal
CRM integration
API
Webhook
Email
Another agreed method

Coverage Request may maintain technical delivery records, including timestamps, response codes, CRM status, and delivery attempts.

A temporary delay or technical issue does not automatically entitle an agency to a refund or credit if the lead was otherwise successfully delivered within a commercially reasonable period, subject to any separate written agreement.

CRM INTEGRATIONS

Agencies may provide CRM, API, webhook, authentication, or other integration information to Coverage Request.

The agency represents that it is authorized to provide and use those credentials and endpoints.

Coverage Request may transmit lead information to the configured system.

Agencies are responsible for:

Providing accurate integration information
Maintaining their CRM or receiving system
Protecting API credentials
Notifying Coverage Request of changed credentials or endpoints
Ensuring their systems securely process consumer data

Coverage Request does not guarantee uninterrupted availability of third-party CRM systems.

LEAD REJECTION POLICY

Unless another written agreement provides different terms, a delivered lead may be submitted for rejection within 24 hours of delivery only for an approved reason.

Approved reasons may include:

Duplicate lead
Invalid contact information
Consumer outside the agreed service area
Another reason specifically agreed to by Coverage Request

Coverage Request may require supporting information concerning a rejection.

A lead that has already been accepted or paid may not subsequently qualify for rejection except where Coverage Request expressly agrees otherwise.

If the applicable rejection period expires without an approved rejection, the lead may be treated as accepted and billable.

A rejected lead is not automatically eligible for credit merely because the consumer:

Does not answer
Does not return a call
Chooses another insurance provider
Does not purchase a policy
Does not qualify for the agency’s preferred carrier
Changes their mind

unless a separate written agreement provides otherwise.

Coverage Request may review rejection patterns and suspend rejection privileges or accounts in cases of abuse or fraud.

DUPLICATE LEADS

Coverage Request uses systems designed to identify certain duplicate consumer submissions.

A submission identified by Coverage Request as an accidental duplicate may not be routed or billed as a separate lead.

Duplicate detection is not guaranteed to identify every duplicate.

Any additional duplicate-credit rules may be established in the applicable agency agreement.

NO GUARANTEE OF LEAD CONVERSION

Coverage Request sells or distributes insurance requests and lead opportunities, not guaranteed customers or policies.

Coverage Request does not guarantee:

Consumer response
Appointment setting
Quote completion
Insurance eligibility
Policy issuance
Policy retention
Conversion rate
Revenue
Profit
Return on investment

Agency results will vary.

AGENCY ACCOUNT SUSPENSION OR TERMINATION

Coverage Request may suspend, restrict, or terminate an agency account where reasonably necessary because of:

Nonpayment
Fraud
Unauthorized account access
Abuse of leads
Misuse of consumer information
Excessive or fraudulent rejection requests
Violation of these Terms
Violation of an agency agreement
Licensing concerns
Security concerns
Unlawful activity

Termination does not eliminate payment obligations incurred before termination.

COMPENSATION

Coverage Request may receive compensation from insurance agents, agencies, carriers, or other businesses for qualified insurance leads or requests.

Consumers are not charged by Coverage Request merely for submitting an insurance request unless a separate paid service is clearly disclosed and accepted.

NO PROFESSIONAL ADVICE

Information appearing on CoverageRequest.com is provided for general informational purposes.

Coverage Request does not provide individualized:

Legal advice
Tax advice
Financial advice
Medical advice
Insurance coverage advice

Consumers should review insurance coverage, exclusions, deductibles, premiums, limits, and policy terms directly with a licensed insurance professional.

THIRD-PARTY INSURANCE PROFESSIONALS

Insurance professionals receiving Coverage Request leads are separate parties.

Coverage Request does not control their:

Advice
Pricing
Underwriting
Coverage decisions
Products
Representations
Communications
Business practices

Consumers should independently evaluate insurance professionals and insurance products.

INSURANCE COMPANY NAMES AND LOGOS

CoverageRequest.com may display insurance-company names, trademarks, or logos for informational or illustrative purposes.

Unless expressly stated otherwise, their display does not mean Coverage Request is affiliated with, sponsored by, endorsed by, or authorized by the applicable company.

All trademarks belong to their respective owners.

PROHIBITED WEBSITE AND PORTAL USE

You may not:

Submit fraudulent requests
Attempt unauthorized system access
Interfere with website security
Introduce malicious software
Scrape consumer information without authorization
Harvest personal information
Circumvent account restrictions
Share portal credentials with unauthorized users
Use automated systems to abuse the service
Impersonate another person or entity
Use Coverage Request for illegal or deceptive purposes

INTELLECTUAL PROPERTY

CoverageRequest.com and original content created by or for Coverage Request, including branding, software, design, graphics, text, and website layout, are owned by Coverage Request LLC or used with permission.

Third-party trademarks remain the property of their respective owners.

WEBSITE AND SERVICE AVAILABILITY

Coverage Request attempts to maintain reliable services but does not guarantee uninterrupted or error-free operation.

We may modify, maintain, suspend, or discontinue features when reasonably necessary.

DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COVERAGEREQUEST.COM AND COVERAGE REQUEST SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

COVERAGE REQUEST DOES NOT GUARANTEE:

INSURANCE AVAILABILITY
INSURANCE APPROVAL
INSURANCE PRICING
CONSUMER CONVERSION
LEAD VOLUME
BUSINESS RESULTS
THIRD-PARTY INFORMATION
UNINTERRUPTED WEBSITE OR CRM OPERATION

Nothing in these Terms excludes rights or warranties that cannot legally be excluded.

LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Coverage Request LLC and its owners, officers, employees, contractors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages resulting from use of CoverageRequest.com or Coverage Request services.

Coverage Request is not responsible for losses resulting from independent decisions, representations, products, conduct, pricing, underwriting, or communications of insurance professionals, carriers, or other third parties.

Nothing in these Terms limits liability where such limitation is prohibited by applicable law.

THIRD-PARTY SERVICES

Coverage Request may rely on third-party services including payment processors, hosting providers, email services, CRM systems, and other technologies.

Those services may be governed by separate terms and privacy policies.

Coverage Request is not responsible for outages or acts of third-party services beyond its reasonable control.

PRIVACY

Use of Coverage Request is also governed by our Privacy Policy.

CHANGES TO THESE TERMS

Coverage Request may update these Terms from time to time.

When Terms are updated, the “Last Updated” date may be changed.

Changes to an existing paid agency arrangement remain subject to any separate written agreement and applicable law.

SEVERABILITY

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.

NO WAIVER

Coverage Request’s failure to enforce a provision does not waive its right to enforce that provision later.

GOVERNING LAW

These Terms are governed by the laws of the State of California, except where federal law or another applicable law requires otherwise.

ENTIRE AGREEMENT

For consumers, these Terms and the Privacy Policy constitute the agreement governing use of CoverageRequest.com unless another agreement applies.

For participating agencies, these Terms, the Privacy Policy, and any applicable lead-purchase agreement, pricing agreement, order, or other written agreement govern the relationship.

CONTACT

Questions regarding these Terms may be directed to:

Coverage Request LLC
Email: support@coveragerequest.com