Terms of Service

Last updated: October 22, 2026

Welcome to the website of Covera Insurance Group (“Covera,” “we,” “us”). By using this website, you agree to these Terms of Service. If you do not agree, please do not use the site.

Information only — not a binder of coverage

Content on this website, including coverage descriptions and sample rates, is for general information only. It is not an offer of insurance, a binder, or a guarantee of coverage or price. Coverage is subject to underwriting, policy terms, conditions, and exclusions set by the issuing carrier.

No coverage is bound, changed, or cancelled through this website until it is confirmed in writing by a licensed Covera agent.

Licensing

Covera is an independent insurance agency. Licensed in MN, WI, IA, CO, AZ, OH. Products and availability vary by state and carrier.

Quotes and requests

When you submit a quote, claim, or service request, you agree to provide accurate and complete information and authorize us to contact you about your request by phone, email, or text. Quotes are estimates and may change based on underwriting and the information you provide.

Acceptable use

• Do not use the site for any unlawful or fraudulent purpose.
• Do not submit false information or impersonate another person.
• Do not attempt to interfere with the site's security or operation.

Intellectual property

All text, graphics, logos, and other content on this website are owned by or licensed to Covera Insurance Group and may not be copied or reused without permission.

Third-party links

Our website may link to carrier portals and other third-party sites. We are not responsible for their content, security, or privacy practices.

Limitation of liability

The website is provided “as is.” To the fullest extent permitted by law, Covera Insurance Group is not liable for any indirect or consequential damages arising from your use of the website. This does not limit any rights you have under an insurance policy.

Changes to these terms

We may update these terms from time to time. Continued use of the website after changes are posted means you accept the updated terms.

Contact us

Questions about these terms? Email sales@afternorth.com or call 218-262-9553.