Last Updated: April 22, 2026

Welcome to Coveside Benefits and Insurance Services. By accessing or using this website, you agree to comply with and be bound by the following terms and conditions. If you do not agree to these terms, please do not use this website.

1. No Professional Advice

The information provided on this website, including but not limited to HCSO rate charts, comparison data, and compliance summaries, is for informational and educational purposes only. It does not constitute legal, tax, or professional accounting advice. Because San Francisco’s Health Care Security Ordinance (HCSO) is subject to frequent updates and legal interpretation, you should consult with qualified legal counsel or a tax professional regarding your specific business obligations.

2. No Insurance Coverage Bound

IMPORTANT: Submission of a contact form, inquiry, or scheduling an appointment through this website does NOT constitute the binding of insurance coverage.

• No insurance policy is in effect until you have completed a formal application, it has been underwritten and approved by the insurance carrier, and you have received written confirmation of coverage.

• Coverage cannot be bound, amended, or canceled via website form, voicemail, or email.

3. Use of Website & Intellectual Property

All content on this site, including the "Coveside Advantage" comparison models and proprietary code, is the property of Coveside Benefits and Insurance Services. You may view and print portions of this site for your personal, non-commercial use in evaluating insurance options, but any redistribution or "scraping" of this data is strictly prohibited.

4. Licensing & Jurisdiction

Chien-Yueh (Celia) Wang is a licensed insurance agent in the State of California (License #0G40217). This website is intended for use by residents and businesses operating within the State of California. We do not solicit insurance in states where we are not properly licensed. These terms are governed by the laws of the State of California.

5. Limitation of Liability

Coveside Benefits and Insurance Services and Chien-Yueh Wang shall not be liable for any direct, indirect, or consequential damages resulting from the use or inability to use this website or from any errors or omissions in the content provided.

6. Third-Party Links

Our website may contain links to government sites (such as sf.gov) or insurance carrier portals. We are not responsible for the content, privacy policies, or reliability of these external third-party sites.

7. Contact Information

If you have questions regarding these Terms, please contact:

Coveside Benefits and Insurance Services
CA License# 0G40217
1311 Park St #1321, Alameda, CA 94501
hello@covesidebenefits.com