Privacy Statement


Cove Risk Services, LLC is committed to maintaining the privacy of your information. We urge you to read this Privacy Policy carefully, so that you will understand both our commitment to your privacy and how you can contribute to that commitment. If you log in to the “Broker” or “Member” portions of our website, you agree to the terms and accept the provisions of this Privacy Policy.


Information We Gather.

Presently, the only information we collect on this website is information supplied voluntarily by you. You may visit our website without telling us who you are or revealing any information about yourself.


Our web servers automatically recognize session activity: a visitor’s domain name (such as .com, .edu, etc.), the webpage from which you enter our site, which pages you visited on our site, and how much time you spend on each page. This information does not reveal your identity. Other information that Cove Risk Services may collect is information such as browser type and operating system. Should the type of data collected by Cove Risk Services change, Cove Risk Services will post this change within the Privacy Policy 30 business days prior to implementing such change. To gauge the effectiveness of our website, we may aggregate generic information about you and use it to evaluate and improve our site.


You can choose to provide individually-identifiable information to us in a number of ways: Through our website, by sending us e-mail, or requesting information about our products or services. When you supply information about yourself for a specific purpose, Cove Risk Services commits to use the information only for that purpose (such as to provide the information you have requested).


Warning: Information that is transmitted by e-mail over the Internet is not secure and can be intercepted and read by other Internet users.


Disclosure of Data.

Except for required communications to employers, and to our authorized employees, investigators, attorneys and other agents, Cove Risk Services does not disclose, give, sell or transfer any personal information about our visitors or claimants under any participating self-insurance programs, unless consented to by the claimant. Cove Risk Services may also disclose data when required to do so by law. Presently, this website does not provide any access to confidential information of claimants. Only authorized employers (“Members” in one of the self-insurance groups we administer) are given off-line access to offered services that involve confidential information. For this website, employers and brokers may create their own usernames and private passwords for more detailed sales & marketing information pertinent to their fields of interest.


We Do Not Sell Your Individual Information.

We do not sell individually-identifiable non-public information obtained on-line about you to third parties. When you supply information about yourself for a specific purpose, we may disclose the information to third parties to accomplish that purpose (such as to provide the information you have requested or to verify the information you have provided). In addition, when you use our website to request information about our products or services or to supply us with information, we may disclose the individually-identifiable information as we would disclose the same information obtained off-line.


Training and Adherence to Industry Standards.

To ensure that our privacy mandates are met by Cove Risk Services employees, all Cove Risk Services employees are versed in the importance of privacy in all aspects of their work. Cove Risk Services complies with select industry standards for protecting Internet users’ privacy. Cove Risk Services internally reviews our compliance with these standards on a periodic basis.


Privacy of Children.

Cove Risk Services does not collect, maintain, store, use, or disclose personal information about children under the age of 13 and will not do so without first providing parental notification, obtaining verifiable parental consent, and implementing the other requirements of the Children’s Online Privacy Protection Act.




Links and Sponsors.

Where the site includes links to other websites (the “Linked Sites”), including the websites of our sponsors or partners, Cove Risk Services, in providing access to these Linked Sites, is by no means endorsing the products or services on these Linked Sites. Cove Risk Services is not responsible for the privacy practices or the content of the Linked Sites, and hereby expressly disclaims all responsibility and liability that may arise therefrom.


Information on Our Website.

The data contained on Cove Risk’s website is for informational purposes only and is not represented to be error free. Any information from sponsors or links to non-Cove Risk Services site are provided as a courtesy. They are not intended to, nor do they constitute, an endorsement of any kind by Cove Risk Services of the linked materials.


Although we at Cove Risk Services strive to provide accurate information, it is not possible to completely ensure that all information is constantly correct. As such, Cove Risk Services does not accept any responsibility or liability for any actions taken as a result of using this information. Further, Cove Risk Services assumes no responsibility for errors or emissions in the materials on this website, nothing contained herein constitutes nor is intended to constitute an offer, inducement, promise, or contract of any kind.


Participation in a workers’ compensation self-insurance group is not the equivalent of purchasing an insurance policy. Employers should first examine all relevant documents required for participation. Upfront contribution (premium equivalent) discounts are available only to qualified risks. Past dividend history is no guaranty of future results.


The information and descriptions contained in this site are intended as general information and are not necessarily complete descriptions of all terms, exclusions and conditions applicable to the products and services offered by Cove Risk Services of any self insurance group represented by us. The information contained throughout this webpage is not an insurance policy or contract of insurance. Coverage and issues discussed are for the states that Cove Risk Services is licensed in and may not be applicable in other areas.


Binding of Coverage.

Coverage cannot be bound for any type of self insurance or other insurance products by electronic means through use of this site.


Copyright and Legal Notices.

Copyright ©2013 by Cove Risk Services, LLC. All rights reserved. Other company and product names mentioned herein may be trademarks of their respective owners.


All material on this site is protected by U.S. and international copyrights. No part of any material posted on Cove Risk Services may be copied, downloaded, stored in a retrieval system, or redistributed for any purpose without the expressed written permission of Cove Risk Services. You may not modify or create derivative works based on Cove Risk’s material. Certain names and logos are trademarks and service marks of Cove Risk Services and third parties, and may not be used without express written permission.


By accessing and/or downloading this file, you expressly agree and consent to the foregoing terms and conditions.