Privacy Statement

Revised Saturday, May 18, 2019

Your privacy is important to us. When we quote or sell an insurance policy to you, we get information about the people and property that we’re insuring. This Privacy Notice describes the types of information about you (“personal information”) we collect, where we get it, and how we use, share and protect it. It applies to current and former clients.

We collect personal information from you, your agent if we are selling to you via a sub-producer affiliated with our firm, and from third parties.

We will not share your information with others for their marketing purposes.

We maintain safeguards designed to help prevent unauthorized use, access and disclosure of personal information

What type of information do we collect?

When you give us information, we share that with insurance companies whom we believe will offer you the best combination of cost and coverage for your insurance needs.  You give us most of what we need in the application process. To make sure what we have is correct, or to obtain additional information, we may need to check back with you. For example, you may be asked to give us more details in writing, via e-mail or over the phone.

In addition to what you provide, the insurance companies we work with on your behalf or we will endeavor to verify information or obtain additional information from third parties. We may obtain other information, including but not limited to the following:

• Information from consumer reporting agencies and other insurance support organizations to the extent permitted by law. This may include items such as credit history, credit-based insurance score, driving record, accident and motor vehicle conviction history, and claim history. Information given to us by an insurance support organization, including consumer reporting agencies, may be retained by them and disclosed to others.
• Your past insurance history, including information about your policies and claims, from insurance support organizations or your former insurers.
• Information regarding your property. We may obtain this through third-party reports and through a property inspection. We or an independent inspector may visit the property to inspect its condition, or we may use an unmanned aircraft system. We may obtain geospatial information, and take pictures or video. If we need more details about the property, we may need to schedule an interior inspection.
• Information from government agencies or independent reporting companies.
• Other third party data relating to the insured risk, such as possible drivers and vehicles associated with your household and odometer readings associated with any vehicle(s).
• In some instances, we may need to know about your health. For example, if we need to know whether a physical limitation will affect your ability to drive, we may ask for a statement from your doctor.

How do we use your information

The insurance companies we work with and we use the information we collect to sell, underwrite and rate, service and administer insurance; to handle claims; to create and market products and services; to prevent and detect fraud; to satisfy legal or regulatory requirements; and for other business purposes and as otherwise allowed by law.

Once you’re insured through our company with an insurance company we represent, , we will retain details about your policy(ies). This may include, among other things, bill payment, transaction or claim history and details, as well as other information.

When you give us a telephone number, you consent to being contacted at that number, including if the number is for a cell phone or other wireless device. We may contact you in person, by recorded message, by the use of automated dialing equipment, by text (SMS) message, or by any other means your device is capable of receiving, to the extent permitted by law and for reasonable business purposes, including to service your policy or alert you to other relevant information.

How do we share your information?

We do not give or sell your personal information to nonaffiliated third parties for their own marketing purposes.

We may give the personal information we collect to others to help us conduct, manage or service our business. When we do, we require them to use it only for the reasons we gave it to them. We may give, without your past permission and to the extent permitted by law, personal information about you to certain persons or organizations such as:  insurance representative; insurance companies; independent claim adjusters or investigators; persons or organizations that conduct research; insurance support organizations (including consumer reporting agencies); third party service providers; another insurer; law enforcement; state insurance departments or other governmental or regulatory agencies; or as otherwise required or permitted by law. Information shared with insurance support organizations, such as your claims history, may be retained by them and disclosed to others

We may also share your information: to comply with legal process; to address suspected fraud or other illegal activities; or to protect our rights, privacy, safety or property, and/or that of you or others.

How do we protect your information?

We maintain physical, electronic and administrative safeguards designed to help protect personal information. For example, we limit access to personal information and require those who have access to use it only for legitimate business purposes.

How can you review and correct the information we have about you?

If you have questions about what personal information we maintain about you, please make your request in writing and include your full name, mailing address, phone number and policy number. When we receive your written request, we will respond within thirty (30) business days. We will describe the personal information we maintain, whom we know we’ve shared it within the last two (2) years, and how you may request a correction, if necessary. If we requested a consumer report, we would tell you the name and address of the consumer reporting agency.

You may also see and copy the information we have, except for certain documents about claims and lawsuits. If you believe our information is incorrect, let us know in writing. We will review it, and, if we agree, we will correct it, notify you, and send a correction letter to anyone who received the original information. If we do not agree, you are allowed to file a letter with your comments.

Cookies and Other Persistent Identifiers

In the collection of data via our website, the insurance companies we work with or the third parties or we contract with may use persistent identifiers such as cookies, embedded scripts, web beacons, pixel tags, log files, or similar technologies to collect certain information.

For example, we may automatically collect certain non-personal information from you, including but not limited to your browser type, device type, geographical location, operating system, unique device identifier of any of your computer(s) or device(s) that are used to access the site, software version, Internet Protocol (“IP”) address, phone model, phone operating system, and the domain name from which you accessed the site. We also may collect information about your use of the site, including the date and time you visit the site, the areas or pages of the site that you visit, the amount of time you spend viewing or using the site, the number of times you return to the site, other click-stream or site usage data, emails that you open, forward or click-through to our site, advertising that you click on, and other sites that you may visit.

You can still use our websites if you have set your browser to reject cookies or tracking identifiers, but it may prevent you from viewing or accessing some of the features of our sites.

Uses of Persistent Identifiers

We may use identifiers to generate certain kinds of site usage data, such as the number of hits and visits to our sites. This information is used to understand how visitors use our sites and provide better services to you.

We may transfer, or allow third parties to collect, analytic information about your visit to our websites to help us improve our websites and better serve you when you visit us online in the future. Analytic information may include such identifiers as your browser type, IP address, referring site URL, web pages you view and links you click on while navigating within our sites.

We use this information for a number of purposes, such as to provide easier site navigation, access to forms, or to track analytics and certain statistical information that enables us to improve our site and provide you with more relevant content and information on our site and other sites.

Questions Or Concerns About Our Use Of Your Data

If you have any questions or concerns about our use of your data, please send an email to:

Roderick Johnson
Chief Technology Manager
rjohnson@inner-citycubes.tech