PureLine Coverage L.L.C. - Website Terms & Conditions

Effective date: October 24, 2026

These Terms & Conditions ("Terms") apply to your use of www.purelinecoverage.com (the "Website") and to the text messages and other communications described below. Please read them carefully. By using the Website, you agree to these Terms. If you do not agree, please do not use the Website.

1.1 Who we are

The Website is operated by PureLine Coverage L.L.C. ("PureLine Coverage," "we," "us," or "our"), an Illinois limited liability company (Illinois Secretary of State file #15844108) based in Schaumburg, Illinois.

PureLine Coverage is an independent insurance agency. We hold an Illinois business entity insurance producer license (#3003767283). Our designated producer is Oleg Vorostov, Illinois insurance producer license #21670310 (Property & Casualty: Casualty and Fire/Property).

We are not an insurance company. We do not issue policies, decide claims, or pay claims. Insurance is provided by the insurance companies that issue the policies.

  • Personal auto and homeowners insurance: we place coverage with insurance companies that have appointed us as an agent.

  • Trucking and commercial auto insurance: we often work through wholesale insurance brokers and managing general agents (MGAs), who place coverage with insurance companies.

We are licensed in Illinois for property and casualty insurance only. We are not licensed to sell life, accident and health, or surplus lines insurance.

1.2 How we are paid

We are usually paid a commission by the insurance company (and sometimes by the wholesale broker or MGA) when you buy or renew a policy through us. The commission is generally included in the premium. We may also receive other compensation from insurers based on factors such as volume or loss results. In some cases we may charge a broker or service fee. Any fee will be disclosed in writing before you pay it. If you have questions about how we are paid on your policy, ask us.

1.3 Quotes are estimates; no coverage until bound in writing

  • Any quote, premium indication, or rate we give you (on the Website, by phone, by text, or by email) is an estimate and is not binding.

  • All coverage is subject to the insurance company's underwriting and approval and to the terms, conditions, limits, and exclusions of the policy actually issued.

  • Submitting a form, sending us documents, or talking with us does not put coverage in force. You have no coverage until the insurance company (or its authorized representative) confirms in writing that coverage is bound.

  • Premiums can change after binding, for example, after an audit, a motor vehicle record (MVR) or loss-run review, an inspection, or a change in drivers, vehicles, or operations.

1.4 Your responsibility to give accurate information

You agree to give us complete, accurate, and truthful information, and to tell us promptly about changes (for example, new drivers, vehicles, garaging locations, radius, commodities, or losses). Insurers rely on this information. Incomplete, false, or misleading information can lead to a higher premium, a denied claim, or the policy being cancelled, rescinded, or voided. If you give us information about other people (such as drivers or household members), you confirm you have the right to share it with us for the purposes in our Privacy Policy.

1.5 Website information is general

The information on the Website is general information about insurance. It is not legal, tax, or financial advice, and it does not change any policy. The language of your actual policy controls. Coverage descriptions on the Website are summaries; not every coverage is available from every insurer or in every situation. Federal and state requirements (for example, FMCSA filing and minimum-limit rules) can change, so check with us and the agency involved about your situation.

1.6 Communications and your consent

When you contact us or request a quote, we will contact you about your request by phone, email, or text, as you choose.

Our Contact/Quote and About forms include two optional, separate checkboxes. Neither box is ever pre-checked:

  • Text messages (SMS): lets you agree to receive text messages from PureLine Coverage L.L.C., as described in the SMS Terms below.

  • Phone calls: lets you agree to receive calls from us at the number you give us, including marketing calls and calls made with an automatic telephone dialing system, an artificial or prerecorded voice, or an AI-generated voice.

Consent is never a condition of buying any goods or services. You can still request a quote and buy insurance through us without checking either box.

You can withdraw your consent at any time by replying STOP to a text, telling us during a call, or emailing oleg@purelinecoverage.com.

1.7 SMS Terms (text messaging)

If you consent to receive SMS from PureLine Coverage L.L.C., you agree to receive customer care and quote and policy update SMS from us. Reply STOP to opt-out; Reply HELP for support; Message & data rates may apply; Messaging frequency may vary. Visit https://www.purelinecoverage.com/privacy-policy to see our Privacy Policy and https://www.purelinecoverage.com/terms-and-conditions for our Terms and Conditions.

  • Program name: PureLine Coverage Text Messages.

  • Program description: text messages from PureLine Coverage L.L.C. about your quote request, policy service, documents, renewals, and payment reminders (customer care and account notifications).

  • Who sends them: PureLine Coverage L.L.C., from (847) 874-6263.

  • How you opt in: by checking the optional SMS consent box (unchecked by default) next to the phone number field on the Contact/Quote form or the About form at www.purelinecoverage.com. Checking the box is never required to submit the form or to buy insurance.

  • Message frequency: Messaging frequency may vary.

  • Costs: Message and data rates may apply.

  • To opt out: reply STOP to any message. We will send one final message confirming that you have been unsubscribed, and you will receive no further messages unless you opt in again by replying START. We also honor other reasonable opt-out requests, such as END, CANCEL, UNSUBSCRIBE, or QUIT.

  • For help: reply HELP, call or text (847) 874-6263, or email oleg@purelinecoverage.com.

  • Carriers: Carriers are not liable for delayed or undelivered messages.

  • No sharing of mobile information: Mobile numbers and SMS opt-in/consent data are not shared, sold, rented, or transferred to any third party or affiliate for marketing or promotional purposes. We share text-messaging data only with service providers that help us deliver messages, and as required by law.

  • Privacy Policy: https://www.purelinecoverage.com/privacy-policy

  • Terms and Conditions: https://www.purelinecoverage.com/terms-and-conditions

1.8 Privacy

How we collect, use, and share your information is explained in our Privacy Policy at https://www.purelinecoverage.com/privacy-policy, which is part of these Terms.

1.9 Intellectual property

The Website and its content (text, graphics, logos, images, and design), including the PureLine Coverage name and logo, belong to PureLine Coverage L.L.C. or its licensors. You may view and print pages for your personal or internal business use. You may not copy, republish, or use our content or name for commercial purposes without our written permission.

1.10 Acceptable use

You agree not to: use the Website for anything unlawful or fraudulent; submit false information or information about someone else without permission; try to gain unauthorized access to the Website or its systems; upload viruses or harmful code; scrape or collect data from the Website with automated tools; or interfere with how the Website works.

1.11 Third-party links

The Website may link to other sites (for example, insurance companies, FMCSA, or payment and e-signature services). We do not control those sites and are not responsible for their content or privacy practices. A link is not an endorsement.

1.12 Website disclaimer and limitation of liability

This section applies only to your use of the Website itself (its content, availability, and operation).

  • The Website is provided "as is" and "as available." We work to keep it accurate and available, but we do not promise it will be error-free, uninterrupted, or free of viruses, and we disclaim implied warranties to the extent the law allows.

  • To the extent the law allows, PureLine Coverage is not liable for indirect, incidental, or consequential damages arising from your use of, or inability to use, the Website.

Nothing in these Terms limits or waives any duty we owe you, or any liability we have, in providing insurance agency or brokerage services to you, or any liability that cannot be limited or excluded under applicable law. Your policy and any separate written agreement with us govern those services.

1.13 Governing law and where disputes are heard

These Terms are governed by the laws of the State of Illinois, without regard to conflict-of-law rules. Any lawsuit about these Terms or the Website will be brought in the state or federal courts located in Cook County, Illinois, unless the law requires otherwise.

1.14 Changes to these Terms

We may update these Terms from time to time. We will post the updated version on this page and change the effective date above. Changes apply going forward from the date they are posted. If a change is significant, we may also notify customers by email.

1.15 Other terms

If any part of these Terms is found to be unenforceable, the rest remains in effect. If we do not enforce a provision, that is not a waiver of it. Headings are for convenience only.

1.16 Contact us

PureLine Coverage L.L.C.
Email: oleg@purelinecoverage.com
Main: (847) 873-8797
Direct and text: (847) 874-6263
Hours: Monday–Friday, 8 AM–5 PM Central