Privacy Policy

1. Information We Collect

Information You Provide

When you request a quote, apply for coverage, or create a portal account, we may collect:

• Name, business name, email address, phone number, and mailing address
• Professional license numbers and credentials
• Business information including revenue, employee count, services offered, and claims history
• Insurance policy information and coverage details
• Payment and billing information

Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address, browser type, and operating system
• Pages visited, time spent on pages, and referring URLs
• Device identifiers and general location data

2. How We Use Your Information

We use the information we collect to:

• Process insurance applications and obtain quotes from carriers
• Manage and service your insurance policies
• Communicate with you about your coverage, renewals, and claims
• Provide access to our client portal and its features
• Comply with legal and regulatory requirements, including state insurance department filings
• Improve our website and services
• Send relevant industry insights and coverage updates (with your consent)

3. Information Sharing

We may share your information with the following parties, solely for the purpose of providing insurance services:

• Insurance carriers and underwriters to obtain quotes and bind coverage
• Wholesale brokers and managing general agents involved in placing your coverage
• Premium finance companies if you elect to finance your premium
• Claims adjusters and third-party administrators in the event of a claim
• Regulatory bodies and state insurance departments as required by law
• Service providers who assist with our operations (e.g., hosting, email, analytics) under contractual confidentiality obligations

4. Data Security

We implement industry-standard technical and organizational measures to protect your information, including encrypted data transmission (TLS/SSL), secure server infrastructure, access controls, and regular security assessments. However, no method of electronic storage or transmission is 100% secure, and we cannot guarantee absolute security.

5. Cookies & Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience. These include:

• Essential cookies required for site functionality and security
• Analytics cookies that help us understand how visitors use our site
• Preference cookies that remember your settings

You can control cookie preferences through your browser settings. Disabling certain cookies may limit site functionality.

6. Your Rights

Depending on your location, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information, subject to legal retention requirements
• Opt out of marketing communications at any time
• Request a copy of your data in a portable format

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA). Washington residents may have rights under the Washington My Health My Data Act with respect to health-related information. Please contact us to exercise any of these rights.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, service your insurance policies, and comply with legal obligations. Insurance records are generally retained for a minimum period following policy expiration as required by state regulations and applicable statutes of limitation.

8. Changes to This Policy

We may update this Privacy Policy periodically. When we do, we will revise the "Last Updated" date at the top of this page and, for material changes, notify you via email or a prominent notice on our website. Your continued use of our services after any changes constitutes acceptance of the updated policy.

9. Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us: