Last updated: September 12, 2026  |  Effective date: September 12, 2026

1. Agreement To These Terms

These Terms and Conditions ("Terms") govern your access to and use of smartcoverageprotect.com and any quote, newsletter or related service offered through it. By accessing the website, submitting a form or engaging our brokerage services, you agree to be bound by these Terms. If you do not agree, you should discontinue use of the website.

2. About Smart Coverage Protect

Smart Coverage Protect is an independent insurance brokerage located at 18019 E Park Dr, Cleveland, OH 44119, USA. We are licensed insurance producers and appointed with multiple insurance carriers. We do not underwrite risk and we are not an insurance company. All coverage is issued by the carrier named on your policy, and that carrier alone is responsible for paying claims under the terms of the policy it issues.

Nothing on this website constitutes financial, tax, accounting, investment, medical or legal advice. Content is provided for general information only and should not be relied upon as a substitute for advice from a qualified professional who understands your individual circumstances.

3. Permitted Use of the Website

You may use this website for lawful, personal or internal business purposes connected with obtaining and managing insurance. You agree not to:

  • Submit false, misleading or fraudulent information, including in connection with a quote or claim.
  • Use automated scraping, bots or bulk harvesting to extract content, contact details or pricing.
  • Attempt to gain unauthorised access to our systems, interfere with site security or introduce malicious code.
  • Copy, republish, resell or commercially exploit any part of the website without our written permission.
  • Use the website in any way that breaches applicable law, regulation or the rights of a third party.

We reserve the right to suspend or refuse access to any user who breaches these Terms, and to report unlawful activity to the relevant authorities.

4. Quotes Are Not a Contract of Insurance

Any premium, illustration, range or estimate presented on this website or in correspondence is indicative only. It is based on the information available at the time and may change after underwriting, inspection, verification of driving or claims history, property valuation or correction of any detail.

Important

No insurance coverage exists until all of the following have occurred:

  • You have completed an application containing full and accurate information.
  • The carrier has accepted the risk and issued a policy.
  • Any required premium payment has been received and cleared.

Coverage is limited by the terms, conditions, exclusions, deductibles and limits set out in the issued policy wording. If there is any conflict between information on this website and your policy document, the policy document governs.

5. Your Responsibilities

Insurance pricing and claim outcomes depend heavily on the accuracy of the information you provide. You agree to:

  • Provide complete and truthful answers to all application questions.
  • Notify us promptly of any change that may affect your coverage, risk profile or eligibility for a discount.
  • Read your policy documents and ask questions about anything you do not understand.
  • Pay premiums on time and maintain any conditions required by the carrier, such as installing a security device or completing safety upgrades.
  • Report claims promptly and cooperate fully with the carrier's investigation.

Failure to meet these responsibilities can result in denied claims, premium adjustments or cancellation of the policy by the carrier.

6. Intellectual Property

All content on this website — including text, articles, graphics, logos, illustrations, page design and the "Smart Coverage Protect" name and marks — is owned by us or licensed to us and is protected by applicable intellectual property laws. You may print or download individual pages for your own non-commercial reference, provided you do not remove any copyright or proprietary notice. Any other reproduction, distribution or derivative use requires our prior written consent.

7. Newsletter Terms

Our weekly newsletter is provided free of charge for general informational purposes. By subscribing you agree to receive recurring emails from Smart Coverage Protect. You may unsubscribe at any time using the link in any email or the unsubscribe form, and your request will be actioned within 24 hours. Information contained in the newsletter is general in nature and does not create a client relationship, does not constitute advice and is not a substitute for a policy review with a licensed advisor.

8. Third-Party Carriers and Links

We work with a network of insurance carriers and may link to their websites or portals. Those sites are operated independently and we do not control their content, availability, security or practices. A link does not imply endorsement. Prices, discounts and product availability described on our site are determined by those carriers and are subject to change without notice. Carrier financial strength ratings referenced in our material are as published by the rating agencies and may be revised.

9. Disclaimer of Warranties

The website and its content are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the website will be uninterrupted, error-free, free of viruses or that any content is complete or current. Savings percentages and claim timelines shown on the site are historical averages drawn from client outcomes and are not a promise or guarantee of future results.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Smart Coverage Protect, its officers, employees and agents will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, data or goodwill arising out of or connected with your use of this website or reliance on its content.

To the extent liability cannot be excluded, our total aggregate liability relating to any claim arising from the website will not exceed one hundred US dollars (US$100). Nothing in these Terms limits any liability that cannot lawfully be limited, including liability arising from fraud, gross negligence, or our obligations under applicable insurance licensing and consumer protection laws.

11. Indemnification

You agree to indemnify and hold harmless Smart Coverage Protect and its personnel from and against any claims, losses, liabilities, damages, costs and reasonable legal fees arising from your breach of these Terms, your misuse of the website, or information you submit that is false, inaccurate or misleading.

12. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Ohio, United States, without regard to its conflict-of-law principles. Any dispute that cannot be resolved informally will be subject to the exclusive jurisdiction of the state and federal courts located in Cuyahoga County, Ohio.

Before commencing formal proceedings, both parties agree to attempt to resolve the matter in good faith through written notice and a period of at least thirty (30) days of negotiation. Complaints about carrier conduct or claim handling may also be directed to the Ohio Department of Insurance or the insurance regulator in your state of residence.

13. Changes To These Terms

We may revise these Terms from time to time. The updated version will be posted on this page with a revised "last updated" date and becomes effective immediately upon posting. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.

14. Contact Information

Questions about these Terms or any agreement between us should be directed to:

Smart Coverage Protect