Terms & Conditions

Acceptance of Terms

By accessing or using the Nova Coverage LLC website (the "Site"), social media pages, or any related digital platforms (collectively, the "Platforms"), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Platforms.

Nova Coverage LLC reserves the right to modify these Terms at any time. Changes will be effective upon posting to the Site. Your continued use of the Platforms following any changes constitutes acceptance of the revised Terms.

About Nova Coverage LLC

Nova Coverage LLC is an independent insurance agency headquartered in Indianapolis, Indiana. We are licensed to conduct insurance business in multiple states across the United States. Our Platforms provide general information about our insurance products and services, including but not limited to transportation insurance, commercial auto, general liability, and related coverages.

Informational Purposes Only – Not Insurance Advice

The content provided on our Platforms is for general informational and educational purposes only. It is not intended to constitute insurance advice, a binding quote, an offer to sell, or a solicitation of an offer to purchase any insurance product.

Insurance coverage is subject to the terms, conditions, limitations, and exclusions of the applicable insurance policy. No information on our Platforms should be interpreted as a guarantee of coverage. Actual policy terms and conditions will govern all claims.

For specific insurance advice tailored to your needs, please contact a licensed Nova Coverage representative directly.

No Binding Agreement Through Digital Platforms

No insurance policy or binding agreement is created through interactions on our Platforms, including but not limited to website inquiries, social media messages, comments, or direct messages. Coverage is only bound through official written documentation issued by Nova Coverage LLC and the applicable insurance carrier in accordance with standard industry practices.

Licensing and Jurisdiction

Nova Coverage LLC is licensed to sell insurance in certain states. Insurance products and services described on our Platforms may not be available in all states or jurisdictions. Any insurance product descriptions are subject to the regulatory requirements of each applicable state. Users are responsible for confirming that Nova Coverage LLC is licensed to transact business in their state before requesting services.

Intellectual Property

All content on our Platforms, including but not limited to text, graphics, logos, images, videos, and software, is the property of Nova Coverage LLC or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, display, perform, or otherwise use any content from our Platforms without the prior written consent of Nova Coverage LLC, except as permitted by applicable law for personal, non-commercial use.

Social Media Platforms

Nova Coverage LLC maintains a presence on various social media platforms including, but not limited to, Facebook, Instagram, LinkedIn, and X (formerly Twitter). In addition to these Terms, your use of those platforms is subject to the respective platform's own terms of service and privacy policies.

User Conduct

When interacting with our social media pages, you agree not to post content that is defamatory, obscene, threatening, harassing, discriminatory, or otherwise unlawful. Nova Coverage LLC reserves the right to remove any content or block any user who violates these standards, at our sole discretion.

User-Generated Content

Any comments, reviews, testimonials, or other content you post on our social media pages may be used by Nova Coverage LLC for marketing or promotional purposes, unless you specifically request otherwise in writing.

Endorsements and Testimonials

Any testimonials or reviews shared on our Platforms reflect the individual experiences of those users and do not represent a guarantee of similar results. Testimonials may be edited for length or clarity but will not be altered in substance.

Privacy and Data Collection

Nova Coverage LLC is committed to protecting your personal information. Any personal data collected through our Platforms, including names, email addresses, phone numbers, and insurance-related information, will be used solely for the purpose of providing insurance services and communications.

We do not sell, rent, or share your personal information with third parties for marketing purposes unrelated to our insurance services. For more details, please refer to our separate Privacy Policy, which is incorporated into these Terms by reference.

By submitting information through our Platforms, you consent to being contacted by Nova Coverage LLC via phone, email, or text message regarding insurance products and services. You may opt out of communications at any time by contacting us directly.

Third-Party Links and Resources

Our Platforms may contain links to third-party websites, resources, or services that are not owned or controlled by Nova Coverage LLC. We are not responsible for the content, accuracy, privacy policies, or practices of any third-party websites. Inclusion of any link does not imply endorsement by Nova Coverage LLC.

Accuracy of Information

While Nova Coverage LLC makes reasonable efforts to ensure the accuracy of information on our Platforms, we do not warrant that all content is complete, accurate, current, or error-free. Insurance products, rates, and availability are subject to change without notice.

Limitation of Liability

To the fullest extent permitted by law, Nova Coverage LLC, its owners, officers, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or related to your use of or inability to use our Platforms, reliance on any information provided on our Platforms, or any errors, omissions, or inaccuracies in Platform content.

Our Platforms are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Indemnification

You agree to indemnify, defend, and hold harmless Nova Coverage LLC and its respective officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorney's fees) arising from your use of our Platforms, your violation of these Terms, or your violation of any rights of a third party.

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Indiana, without regard to its conflict of law provisions. Any disputes arising out of or related to these Terms or your use of our Platforms shall be resolved exclusively in the state or federal courts located in Marion County, Indiana.

Electronic Communications

By using our Platforms or contacting us through digital channels, you consent to receive electronic communications from Nova Coverage LLC. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.

Termination

Nova Coverage LLC reserves the right to terminate or suspend your access to our Platforms at any time, without prior notice, for conduct that we believe violates these Terms, is harmful to other users, or is otherwise objectionable.

Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Nova Coverage LLC regarding your use of our Platforms and supersede all prior agreements, understandings, and communications, whether written or oral.

Contact Information

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

Nova Coverage LLC – Protecting What Matters Most