Terms Of Use — covellains.com

Effective Date: September 16, 2026

These Terms of Use govern your access to and use of covellains.com. By using this site, you agree to these terms. Please also review our Privacy Policy, which explains how we handle your information.

1. Acceptance of Terms & About Covella Insurance Partners

By accessing or using covellains.com (the “Site”), you agree to be bound by these Terms of Use. If you don’t agree, please don’t use the Site.

Covella Insurance Partners (“Covella,” “we,” “us,” or “our”) is an independently owned insurance agency headquartered at 11126 Kenwood Road, Suite C, Cincinnati, OH 45242, writing commercial lines, personal lines, and group employee benefits. Covella and its producers are licensed to transact insurance in Ohio, Indiana, Kentucky, Michigan, South Carolina, North Carolina, Georgia, Tennessee, and Pennsylvania. [Insert individual producer license numbers and National Producer Numbers (NPNs), or link to a Licensing page.] Coverage availability, and the specific carriers we can place business with, vary by state.

2. No Offer or Binder of Coverage

Nothing on this Site is an offer to sell insurance, and no insurance coverage is bound, changed, altered, or cancelled through this Site, by email, voicemail, or fax. Coverage takes effect only when confirmed in writing by an authorized Covella representative or the issuing carrier. If you need to bind, change, or cancel coverage — or have a time-sensitive question — call us at 513-489-6422; don’t rely on a web form or email alone.

Information about insurance products on this Site is general in nature and provided for informational purposes only. It is not a substitute for the terms, conditions, exclusions, and limitations of your actual policy, which controls in the event of any conflict. Coverage, pricing, and carrier availability are subject to underwriting approval and vary by state.

3. Permitted Use of the Website

You may use this Site for lawful purposes related to learning about Covella’s products and services, requesting a quote, or contacting us. You agree not to:

• Use the Site in a way that violates any applicable law or regulation
• Attempt to gain unauthorized access to the Site, our systems, or other users’ information
• Scrape, harvest, or use automated means to extract content or data from the Site without our written permission
• Introduce viruses, malware, or other harmful code
• Impersonate any person or misrepresent your affiliation

We may suspend or restrict access to the Site, at our discretion, for anyone who violates these Terms.

Content on this Site — including descriptions of coverage, blog posts, and educational materials — is general information only and does not constitute legal, tax, financial, or insurance advice for your specific situation. Consult a licensed Covella agent about your coverage needs, and a qualified professional for legal, tax, or financial advice.

4. Intellectual Property & Third-Party Links

All content on this Site — text, graphics, logos, and design — is owned by Covella Insurance Partners or its licensors and protected by copyright and trademark law. You may view and print pages for personal, non-commercial use only; any other reproduction, distribution, or use requires our written permission.

This Site may link to third-party websites, such as insurance carrier portals, payment processors, or partner payroll services, as a convenience. We don’t control those sites, don’t endorse their content, and aren’t responsible for their availability, accuracy, or privacy practices. Visiting a linked site is at your own risk and subject to that site’s own terms.

5. Disclaimers, Liability & Governing Law

Disclaimer of warranties. This Site and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, completeness, or fitness for a particular purpose. We don’t guarantee the Site will be uninterrupted, secure, or error-free.

Limitation of liability. To the fullest extent permitted by law, Covella Insurance Partners, its owners, employees, and producers won’t be liable for any indirect, incidental, special, or consequential damages arising from your use of, or inability to use, this Site, even if we’ve been advised of the possibility of such damages. Nothing in these Terms limits any liability that cannot be limited under applicable insurance regulation.

Indemnification. You agree to indemnify and hold Covella harmless from any claims, damages, or expenses (including reasonable attorneys’ fees) arising from your misuse of the Site or violation of these Terms.

Governing law & disputes. These Terms are governed by the laws of the State of Ohio, without regard to conflict-of-law principles. Any dispute arising from these Terms or your use of the Site will be resolved in the state or federal courts located in Hamilton County, Ohio, and you consent to that jurisdiction and venue.

6. Changes to These Terms & Contact Us

We may update these Terms from time to time; the effective date at the top reflects the most recent revision. Continued use of the Site after changes take effect means you accept the updated Terms.

Questions about these Terms? Contact us at:

Covella Insurance Partners 11126 Kenwood Road, Suite C, Cincinnati, OH 45242 Phone: 513-489-6422 · Email: info@covellains.com