Cova Insurance Group Legal Documents

 

 

1. Terms and Conditions of Use

 

Last Updated: October 27, 2025

Welcome to the Cova Insurance Group website (the "Site"). These Terms and Conditions of Use ("Terms") govern your use of the Site and the information, content, and services provided by Cova Insurance Group ("we," "us," or "our"). By accessing or using this Site, you agree to be bound by these Terms and our [Privacy Policy] (link to your Privacy Policy), which is incorporated herein by reference. If you do not agree with any part of these Terms, you must not use this Site.

 

1.1 General Disclaimer - IMPORTANT

 

• Informational Purposes Only: The content on this Site, including any descriptions of coverages, products, or services, is for general informational purposes only and does not constitute professional, financial, or legal advice.

• No Binding of Coverage: Insurance coverage cannot be bound, added, changed, or deleted via submission of any online form, application, email, voice message, or facsimile. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly with a licensed agent of Cova Insurance Group.

• Policy Terms Govern: Any coverage descriptions are general in nature and are superseded by the express terms, conditions, definitions, and exclusions of the actual insurance policy or contract issued by the underwriting carrier. Clients should consult with their licensed agent as to how these coverages pertain to their individual situation.

• Product Availability: Not all products, coverages, or services are available in every state or to every individual.

 

1.2 Intellectual Property Rights

 

• Ownership: The Site and its entire contents, features, and functionality are owned by Cova Insurance Group, its licensors, or other providers of such material and are protected by U.S. and international intellectual property laws.

• Permitted Use: You may use the Site for your personal, non-commercial use only.

• Trademarks: The Cova Insurance Group name and logo are trademarks of Cova Insurance Group.

 

1.3 User Obligations and Prohibited Uses

 

• Accurate Information: You agree that all information you provide to this Site is correct, current, and complete.

• Prohibited Activities: You agree not to use the Site for any unlawful purpose, to engage in data mining, scraping, or the use of automated bots, or to impersonate any person or entity.

 

1.4 Disclaimer of Warranties

 

YOUR USE OF THE SITE IS AT YOUR OWN RISK. THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. COVA INSURANCE GROUP HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE.

 

1.5 Limitation of Liability

 

IN NO EVENT WILL COVA INSURANCE GROUP, ITS AFFILIATES, OR THEIR LICENSORS BE LIABLE FOR DAMAGES OF ANY KIND (INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES) ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE.

 

1.6 Governing Law and Dispute Resolution

 

• Governing Law: All matters relating to the Site and these Terms shall be governed by and construed in accordance with the internal laws of the State of Utah.

• Dispute Resolution (Arbitration): Any controversy or claim arising out of or relating to these Terms shall be settled by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules. The arbitration shall take place in [Insert County in Utah, e.g., Salt Lake County].

 

1.7 Changes to the Terms and Conditions

 

We may revise and update these Terms from time to time. Your continued use of the Site following the posting of revised Terms means that you accept and agree to the changes.

 

1.8 Contact Information

 

To ask questions or comment about these Terms and Conditions, please contact us at:

Cova Insurance Group

187 W Main St Suite 207, Lehi, UT 84043

mason@covainsgroup.com

385-241-6744

 

2. Privacy Policy

 

Last Updated: October 27, 2025

This Privacy Policy describes how Cova Insurance Group ("we," "us," or "our") collects, uses, shares, and protects the personal information of visitors and customers in the State of Utah.

 

2.1 Information We Collect

 

We collect information that identifies, relates to, describes, or is reasonably capable of being associated with you ("Personal Data").

Category of Personal DataExamples of Data CollectedSource of Collection

IdentifiersName, address, phone number, email address, IP address, driver's license number, Social Security number (SSN).Directly from you (applications, forms), third-party reports (e.g., credit report).

Financial & CommercialBank account number, credit card information, policy coverage, premium payments, claims history.Directly from you, insurance carriers, consumer-reporting agencies.

Sensitive Personal Data*Medical history, mental/physical condition, sexual orientation, racial/ethnic origin.Directly from you (only as required for specific underwriting or claims).

Internet ActivityBrowsing history on our site, date/time of access, website you linked from, device information.Automatically via cookies and tracking technologies.

*Sensitive Personal Data: We will provide you with a clear notice and an opportunity to opt-out of the processing of any sensitive personal data before it is collected, as required by the UCPA.

 

2.2 How We Use Your Personal Data (Purpose of Processing)

 

We use your Personal Data for the following purposes:

• Underwriting and Servicing: To quote, bind, and administer insurance policies, accounts, and claims.

• Communication: To respond to your inquiries and communicate about your policy or our services.

• Legal Compliance: To comply with federal, state, and local laws and regulations.

• Security: To detect, prevent, and investigate security incidents and protect against illegal activity.

• Marketing: To provide you with information about products and services that may be of interest to you.

 

2.3 Disclosure of Your Personal Data

 

We do not sell your Personal Data for monetary consideration. We may disclose your Personal Data to the following categories of third parties:

• Insurance Carriers: Companies that underwrite and issue your insurance policy.

• Third-Party Service Providers: Vendors who perform functions on our behalf (e.g., payment processing, analytics).

• Credit/Consumer Reporting Agencies: For motor vehicle reports (MVR) and loss history reports (CLUE).

• Legal/Regulatory Authorities: As required or permitted by law.

 

2.4 Your Rights as a Utah Resident (UCPA)

 

As a consumer residing in Utah, you have the following rights:

• Right to Access and Confirmation: The right to confirm whether we are processing your Personal Data and to access that data.

• Right to Portability: The right to obtain a copy of the Personal Data you provided to us in a portable and readily usable format.

• Right to Deletion: The right to request that we delete Personal Data you have provided to us.

• Right to Opt-Out: The right to opt out of the processing of your Personal Data for the purposes of targeted advertising or the sale of personal data.

• Right to Non-Discrimination: The right not to be discriminated against for exercising any of your UCPA rights.

How to Exercise Your Rights: To exercise any of these rights, please contact us using the information in Section 2.7. We will respond to your request within forty-five (45) days.

 

2.5 Data Security and Retention

 

We maintain reasonable administrative, technical, and physical safeguards designed to protect the confidentiality and integrity of your Personal Data. We retain your Personal Data only as long as necessary or as required by law.

 

2.6 Changes to this Privacy Policy

 

We may revise and update this Privacy Policy. We will post the updated policy on this page and revise the "Last Updated" date.

 

2.7 Contact Information

 

To ask questions or comment about this Privacy Policy, please contact us at:

Cova Insurance Group

187 W Main St Suite 207, Lehi, UT 84043

Email: mason@covainsgroup.com

Phone: 385-241-6744

 

Legal Review Reminder

 

These documents are for implementation on your Wix site. Given the highly regulated nature of the insurance industry, you must consult with a licensed attorney to ensure full compliance with all specific Utah and federal insurance laws (such as GLBA) and e-commerce regulations.