Not legal advice. This document is provided for informational and contractual purposes. Olive Insurance Services, LLC recommends that users with specific legal questions consult a licensed attorney in their state.
1. Acceptance of Terms
By accessing or using the website at olivecover.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use this Site. These Terms apply to all visitors, users, and others who access or use the Site. Use of this Site for insurance quoting, coverage review, or policy purchase constitutes agreement to these Terms in addition to any applicable carrier agreements.
2. About Olive Cover
Olive Insurance Services, LLC dba Olive Cover is an independent property and casualty insurance agency. Agency NPN: 22116940. Producer NPN: 2790083. Licensed in Georgia as a Property and Casualty Insurance Agency. We are not a licensed attorney, financial advisor, or tax advisor. Nothing on this Site constitutes legal, financial, or tax advice.
3. Scope of Services
Through this Site, Olive Cover provides:
- Informational content about property and casualty insurance products
- Coverage review services for existing policyholders
- Insurance quoting and application services for eligible risks
- Access to our licensed producers for consultation
Olive Cover acts as an agent on behalf of the applicant, not as an agent of any insurance carrier. Submission of a quote request or coverage review does not create an agency relationship, guarantee coverage, or bind insurance. Coverage is bound only upon written confirmation from a licensed carrier.
4. Accuracy of Information
Insurance pricing, availability, and eligibility information on this Site is subject to change without notice and may not reflect current carrier guidelines, filed rates, or underwriting requirements. All quotes and coverage information provided through this Site are estimates only and are subject to underwriting review and carrier approval. You are responsible for providing accurate and complete information in any application or coverage review. Misrepresentation on an insurance application is grounds for policy rescission under O.C.G.A. Section 33-24-7.
5. No Guarantee of Coverage
Use of this Site, submission of a contact form, or receipt of a quote does not constitute a binding insurance contract, a commitment to provide coverage, or a guarantee of insurability. Insurance coverage is subject to underwriting approval, carrier acceptance, payment of premium, and delivery of a policy. Olive Cover makes no representations that any carrier will accept an application or that quoted rates will remain available.
6. Intellectual Property
All content on this Site, including text, graphics, logos, and educational materials, is the property of Olive Insurance Services, LLC or its content providers and is protected by United States copyright law. You may not reproduce, distribute, or create derivative works from Site content without express written permission from Olive Insurance Services, LLC.
7. Disclaimer of Warranties
This Site is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. Olive Insurance Services, LLC does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
8. Limitation of Liability
To the fullest extent permitted by applicable law, Olive Insurance Services, LLC, its members, managers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this Site or any services obtained through it. Our total liability for any claim arising from use of this Site shall not exceed the amount of fees paid to us in the twelve months preceding the claim, or $100, whichever is greater. Some jurisdictions do not allow limitation of liability for consequential damages; in such jurisdictions, our liability is limited to the maximum extent permitted by law.
9. Third-Party Links and Services
This Site may contain links to third-party websites, including carrier websites, regulatory authority websites, and insurance-related resources. We do not control these sites and are not responsible for their content, privacy practices, or availability. Links are provided for convenience and do not constitute endorsement by Olive Cover.
10. State-Specific Provisions
Georgia
Olive Cover is licensed as a Georgia Property and Casualty Insurance Agency under the Georgia Insurance Code (O.C.G.A. Title 33). Disputes arising from insurance transactions in Georgia are subject to the jurisdiction of the Georgia Office of Commissioner of Insurance (oci.georgia.gov). Georgia residents may file complaints with the OCI. These Terms are governed by the laws of the State of Georgia without regard to conflict of law principles. Any dispute not resolved informally shall be subject to binding arbitration under AAA Commercial Rules in Fulton County, Georgia, except where arbitration is prohibited by applicable insurance law.
Future States
As Olive Cover expands licensure to additional states, state-specific provisions for those states will be added to this section. These Terms will be updated, and the effective date at the top will be revised. Continued use of the Site constitutes acceptance of the updated Terms.
11. Privacy
Your use of this Site is also governed by our Privacy Policy, which is incorporated by reference into these Terms. By using this Site, you consent to the data practices described in that policy.
12. Changes to Terms
We reserve the right to update these Terms at any time. Changes become effective upon posting to the Site with an updated effective date. Your continued use of the Site after changes constitutes acceptance. We encourage you to review these Terms periodically.
13. Contact
Questions about these Terms: hello@olivecover.com or Olive Insurance Services, LLC, 6470 East Johns Crossing, Suite 160, Johns Creek, GA 30097, (678) 888-1011.
