Terms of Service
Last updated: September 16, 2026
By accessing or using calccover.com (the "Site"), you agree to these Terms of Service. If you do not agree, please do not use the Site.
1. Nature of the Service
Calccover provides free online calculators that estimate commercial insurance costs based on user-provided inputs and industry-standard rating factors. All results are estimates only.
2. No Professional Advice
The calculators and content on this Site are for informational purposes only. They do not constitute insurance, financial, legal, or professional advice. Calccover is not a licensed insurance broker, agent, or advisor. You should consult a licensed insurance professional before making any insurance-related decisions.
3. Accuracy of Results
While we strive for accuracy, we make no warranty that calculator results reflect the actual premium you will be quoted. Actual premiums depend on many factors including your specific business operations, claims history, credit profile, and each insurer's underwriting standards.
4. Use of the Site
You agree not to:
- Use the Site for any unlawful purpose
- Attempt to gain unauthorized access to any portion of the Site
- Scrape, copy, or redistribute the Site's content without permission
- Interfere with the Site's operation or security
5. Third-Party Links and Partners
The Site may contain links to third-party websites and quote request forms from insurance partners. We are not responsible for the content or practices of third parties. Your use of third-party services is governed by their own terms and privacy policies.
6. Affiliate Disclosure
Calccover may receive compensation from insurance partners when you submit a quote request. This compensation does not affect the estimates our calculators produce.
7. Limitation of Liability
To the maximum extent permitted by law, Calccover shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Site or reliance on any information provided.
8. Intellectual Property
All content, code, and design on the Site are the property of Calccover unless otherwise noted.
9. Changes to These Terms
We may update these Terms from time to time. Continued use of the Site after changes constitutes acceptance of the updated Terms.
10. Contact
Questions? Email [email protected].