Terms of Use

We are Switchboard Risk Technologies Inc. ("Company," "we," "us," or "our"), a licensed insurance producer. National Producer Number (NPN): 22071809.

We operate the website https://tradescoverage.com (the "Site"), published under the name Trades Coverage, as well as any related services that refer or link to these Terms of Use (collectively, the "Services").

Trades Coverage provides contractor insurance information, quote-request tools, and contact paths for licensed support. Trades Coverage is not a separate insurance carrier and does not itself underwrite policies, set carrier premiums, approve carrier coverage, issue carrier policy forms, or handle carrier claims.

You can contact us by phone at (888) 698-7698 or mail at 602 Bergen St #2, Brooklyn, NY 11238, United States.

These Terms of Use constitute a legally binding agreement between you, whether personally or on behalf of an entity, and us concerning your access to and use of the Services. If you do not agree with all of these terms, you are prohibited from using the Services and must discontinue use immediately.

The Services are intended for users who are at least 18 years old and located in the United States.

The information provided through the Services is not intended for distribution to, or use by, any person or entity in a jurisdiction where such distribution or use would violate law or require registration we do not maintain.

Switchboard Risk Technologies Inc. is a licensed insurance producer. Insurance products and services are provided by third-party insurance carriers. We may act as an intermediary, producer, or service provider to help you request, review, or obtain insurance quotes and coverage, but the insurance policies themselves are contracts between you and the insurance carriers.

Submitting a quote request, calling us, emailing us, uploading documents, or using any site tool does not bind, change, renew, cancel, or guarantee insurance coverage. Coverage, eligibility, pricing, limits, exclusions, endorsements, binding, policy issuance, and claims decisions are controlled by the insurance carrier and the final policy documents.

We are the owner or licensee of intellectual property rights in the Services, including source code, databases, functionality, software, website designs, text, photographs, graphics, forms, tools, service marks, trademarks, and logos, unless otherwise stated.

Subject to your compliance with these terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access the Services and download or print a reasonable copy of site content for your own business insurance research and quote requests.

No part of the Services may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, scraped, reverse engineered, or otherwise exploited for a commercial purpose without our prior written permission.

We reserve all rights not expressly granted to you. Any breach of this section may terminate your right to use the Services immediately.

By using the Services, you represent and warrant that all information you submit is true, accurate, current, and complete; that you will maintain the accuracy of such information; that you have legal capacity and authority to use the Services on your own behalf or on behalf of the business you represent; that you are not a minor; and that your use of the Services will not violate law.

If you provide information that is untrue, inaccurate, outdated, or incomplete, we may be unable to respond to your request and may refuse current or future use of the Services.

You are responsible for reviewing quotes, applications, binders, certificates, policies, endorsements, exclusions, invoices, and other insurance documents before you rely on them.

By opting into SMS from a web form or other medium, you agree to receive SMS messages from Switchboard Risk Technologies Inc., Trades Coverage, licensed producers, licensed representatives, and relevant insurance partners about your request.

This may include messages about insurance quote requests and updates, policy or renewal reminders, appointment confirmations and reminders, responses to inquiries, and related service communications.

Message frequency varies based on your interactions with us and the status of your insurance inquiries or policies. Message and data rates may apply. Consent to receive text messages is not a condition of buying insurance.

To opt out at any time, text STOP to any message you receive from us. For assistance, text HELP or contact us using the information below.

We do not share, sell, or provide SMS consent, SMS opt-in data, or phone numbers collected for SMS purposes to third parties or affiliates for their marketing.

Calls to or from us may be monitored, recorded, transcribed, retained, or reviewed for service, training, quality control, compliance, and recordkeeping purposes.

You may not access or use the Services for any purpose other than the purpose for which we make the Services available.

You agree not to submit false information; impersonate another person or business; trick, defraud, or mislead us or others; interfere with site operation; circumvent security features; scrape, copy, or aggregate content at scale; upload malicious code; probe or test security systems; use automated systems except through ordinary search engine or browser use; delete proprietary notices; use the Services to compete with us; or use the Services in a manner inconsistent with applicable law.

The Services may contain links or references to insurance carriers, wholesalers, brokers, service providers, or other third parties. Those third parties control their own services, documents, prices, underwriting decisions, privacy practices, terms, and content.

We are not responsible for third-party websites or content accessed through the Services. Links or references to third parties do not mean we endorse all content, products, services, or statements on those third-party sites.

We reserve the right, but not the obligation, to monitor the Services for violations of these terms, investigate misuse, take appropriate legal action, refuse or restrict access, remove or disable content, update site features, and otherwise manage the Services in a manner designed to protect our rights, property, systems, users, and the proper functioning of the Services.

Please review our Privacy Policy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these terms.

The Privacy Policy explains how information is collected, used, and shared. We do not sell your personal information. We may share information with licensed producers, insurance carriers, wholesalers, brokers, market partners, and service providers as described in the Privacy Policy when needed to work on your request.

These terms remain in full force and effect while you use the Services. Without limiting any other provision of these terms, we may deny access to and use of the Services to any person for any reason permitted by law, including breach of these terms or violation of applicable law.

If we terminate or suspend your access for any reason, you are prohibited from using a fake, borrowed, or third-party identity to access the Services. We reserve the right to pursue legal remedies where appropriate.

We may change, modify, update, suspend, discontinue, or remove the contents of the Services at any time or for any reason without notice. We have no obligation to update information on the Services.

We cannot guarantee the Services will be available at all times. Hardware, software, maintenance, network, provider, or other issues may result in interruptions, delays, or errors. We are not liable for loss, damage, or inconvenience caused by inability to access or use the Services during downtime or discontinuance.

These terms and your use of the Services are governed by and construed in accordance with the laws of the State of New York, without regard to conflict-of-law principles, except where another law is required to apply.

If the parties are unable to resolve a dispute through informal negotiations, the dispute will be resolved by binding arbitration to the fullest extent allowed by law, except for disputes that may not be arbitrated by law or disputes seeking to enforce or protect intellectual property rights or obtain injunctive relief.

Arbitration will be conducted on an individual basis. Class arbitrations, class actions, representative actions, and consolidated proceedings are not permitted to the fullest extent allowed by law.

If a dispute proceeds in court rather than arbitration, it must be brought in the state or federal courts located in Kings County, New York, except where another venue is required by law. You consent to jurisdiction and venue in those courts to the fullest extent allowed by law.

The Services may contain typographical errors, inaccuracies, omissions, outdated information, or other mistakes. We reserve the right to correct errors, inaccuracies, or omissions and to change or update information on the Services at any time, without prior notice.

The Services are provided on an as-is and as-available basis. To the fullest extent permitted by law, we disclaim warranties, express or implied, in connection with the Services and your use of them, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant or guarantee the accuracy, completeness, availability, pricing, eligibility, underwriting outcome, certificate wording, policy form, endorsement availability, or claim outcome of any insurance product or information presented through the Services.

Switchboard Risk Technologies Inc. is a licensed insurance producer and not an insurance company. We do not underwrite insurance policies. Insurance products are provided by third-party insurance carriers. We do not guarantee the availability, pricing, or terms of any insurance product.

To the fullest extent permitted by law, Switchboard Risk Technologies Inc. and its directors, employees, agents, representatives, service providers, and affiliates will not be liable for indirect, incidental, consequential, exemplary, special, or punitive damages, including lost profit, lost revenue, loss of data, business interruption, or other damages arising from your use of the Services, even if advised of the possibility of such damages.

Some laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If those laws apply to you, some or all of the above disclaimers or limitations may not apply, and you may have additional rights.

You agree to defend, indemnify, and hold harmless Switchboard Risk Technologies Inc., including its subsidiaries, affiliates, officers, agents, partners, employees, and service providers, from and against claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys' fees, arising from your use of the Services, breach of these terms, violation of law, violation of a third party's rights, or information you submit.

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services and responding to insurance-related requests. Although we may perform backups and use reasonable safeguards, you are responsible for the information you transmit and for keeping your own records of documents that matter to your business.

Visiting the Services, sending emails, submitting forms, receiving emails, receiving text messages, and completing online actions constitute electronic communications. You consent to receive communications electronically.

You agree that electronic communications, records, notices, disclosures, consents, and signatures satisfy any legal requirement that those communications or records be in writing, to the extent allowed by law.

If a complaint with us is not satisfactorily resolved, California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.

These terms and any policies or operating rules posted by us on the Services constitute the entire agreement between you and us regarding use of the Services. Our failure to exercise or enforce a right or provision is not a waiver.

If any provision or part of a provision is determined to be unlawful, void, or unenforceable, that provision or part is deemed severable and does not affect the validity and enforceability of remaining provisions. We may assign any or all rights and obligations at any time. These terms do not create a joint venture, partnership, employment, fiduciary, or agency relationship between you and us.