Privacy Policy
Effective Date: October 26, 2026
1. Introduction
We respect your privacy and are committed to protecting the personal information you share with us.
This Privacy Policy explains how our independent insurance agency collects, uses, stores, protects, and shares information when you visit our website, request an insurance quote, purchase insurance, communicate with our staff, or use our online services.
By using our website, you acknowledge the practices described in this policy. Where the law requires consent, we will request that consent separately.
2. Information We Collect
We may collect information needed to provide insurance quotes, help customers, process insurance applications, and manage insurance policies.
This information may include:
First and last name
Mailing and physical address
Email address
Telephone number
Date of birth
Driver's license information
Vehicle and property information
Business and employment information
Insurance policy information
Claims and loss history
Payment and billing information
Other information needed to quote, issue, or service insurance policies
Depending on the insurance product, we may also collect sensitive personal, financial, or health information when permitted by law and needed for insurance services.
We may receive information directly from you, insurance companies, consumer reporting agencies, public records, and other authorized sources.
3. How We Use Your Information
We may use the information we collect to:
Prepare and provide insurance quotes.
Process insurance applications.
Help customers obtain or renew insurance coverage.
Provide customer service and policy support.
Process requested policy changes.
Assist with claims and billing questions.
Send appointment reminders and policy notices.
Respond to customer questions and requests.
Improve our website and customer experience.
Send marketing messages when authorized.
Meet legal, regulatory, and insurance industry requirements.
Prevent fraud and protect our systems.
We use personal information only for lawful business purposes.
4. Text Messages and SMS Communications
When you provide your mobile phone number and give the required consent, you may receive text messages from our agency.
These messages may include:
Insurance quote updates
Appointment reminders
Policy renewal reminders
Requested policy information
Customer service updates
Billing and account notifications
Marketing offers and promotions, if separately authorized
Message frequency may vary. Message and data rates may apply.
You may reply STOP to opt out of text messages or HELP for assistance.
We also honor other valid requests to stop communications as required by law.
Opting out of promotional text messages does not automatically cancel your insurance policy or prevent communications that are otherwise required or permitted by law.
Consent to receive marketing messages is not a condition of purchasing insurance or receiving an insurance quote.
5. Mobile Information Privacy
We do not sell, rent, or share mobile phone numbers or SMS opt-in consent information with third parties or affiliates for their own marketing or promotional purposes.
We may share information with trusted service providers that help us deliver text messages, manage customer communications, or provide services on our behalf. These providers may use the information only for authorized business purposes and must protect it as required by applicable law and contract.
Text messaging opt-in data and consent records will not be shared with third parties for their independent marketing purposes.
6. Phone Calls, Automated Communications, and AI Tools
Our agency may use technology to improve customer service and communication.
These tools may include:
Automated appointment reminders
Automated telephone systems
Prerecorded voice messages
AI-powered voice assistants
AI-powered website chatbots
Automated email and text message systems
When required by law, we obtain appropriate consent before sending automated or prerecorded calls or messages.
Some communications may involve AI-generated responses or automated systems.
Calls and online conversations may be recorded, monitored, or reviewed for quality, training, security, and customer service purposes where permitted by law and with any required notice or consent.
We do not use AI tools as a substitute for required insurance licensing, professional judgment, or insurer approval.
7. Email Communications
We may send emails related to insurance quotes, policy services, account activity, appointments, and other requested services.
We may also send promotional emails when permitted by law.
Marketing emails will include an unsubscribe method when required.
Customers may contact our agency to update their email preferences.
Unsubscribing from marketing emails does not necessarily stop important policy or service communications.
8. How We Share Information
We may share information when needed to provide insurance services or meet legal requirements.
Authorized recipients may include:
Insurance companies and underwriting partners
Insurance wholesalers and brokers
Claims administrators and adjusters
Payment processors
Technology and customer management providers
Service providers acting on our behalf
Regulatory agencies and law enforcement when required
Other parties when authorized by the customer or permitted by law
We do not sell customer personal information for unrelated marketing purposes.
We limit information sharing based on the services requested, our business needs, and applicable privacy laws.
9. Protection of Personal Information
We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, misuse, loss, or disclosure.
These measures may include restricted access, secure systems, staff training, and security controls.
No website, electronic communication system, or data storage system can guarantee complete security.
Customers should avoid sending Social Security numbers, payment card information, medical records, or other highly sensitive information through ordinary email