Privacy Policy

Information We Collect

We collect information necessary to provide insurance services, process applications, and maintain customer relationships. Categories include:

• Personal identifiers including name, address, email, and phone number
• Property details such as address, construction type, age, and square footage
• Insurance history and claims records
• Payment information for premium processing
• Communication records including emails, calls, and support interactions

Information is collected directly through application forms, policy updates, claims filings, and customer service interactions.

How We Use Your Information

Collected data serves specific business purposes aligned with our insurance operations:

• Processing insurance applications and issuing policies
• Calculating premiums based on risk assessment
• Managing claims submissions and settlements
• Sending policy documents, renewal notices, and regulatory communications
• Providing customer support and addressing inquiries
• Detecting and preventing fraudulent activity
• Complying with legal and regulatory requirements

We do not use personal information for purposes unrelated to insurance services without explicit consent.

Sharing Your Information

Information sharing occurs only when necessary for policy administration and legal compliance. We share data with:

• Licensed underwriters who assume policy risk
• Reinsurance companies that support coverage capacity
• Claims adjusters and contractors during loss events
• Payment processors for premium transactions
• Regulatory authorities when required by law
• Legal counsel in matters involving coverage disputes

Third parties receiving information are contractually bound to maintain confidentiality and use data solely for specified purposes.

Data Security Measures

We implement technical and organizational safeguards to protect information from unauthorized access, alteration, or disclosure:

• Encryption of data during transmission and storage
• Access controls limiting employee data exposure
• Regular security audits and vulnerability assessments
• Secure data centers with physical access restrictions
• Employee training on privacy and security protocols

While we maintain industry-standard protections, no system guarantees absolute security. We continuously evaluate and enhance our security posture.

Your Privacy Rights

You maintain certain rights regarding personal information we hold:

• Access to review information we have collected about you
• Correction of inaccurate or incomplete data
• Deletion of information no longer required for business purposes
• Opt-out of non-essential communications
• Restriction of processing for specific purposes

Certain information cannot be deleted while active policies remain in force or during legally mandated retention periods. Contact us to exercise these rights or submit questions about data handling.

Cookies and Tracking

Our website uses cookies and similar technologies to enhance user experience and analyze site performance. These include:

• Essential cookies required for site functionality
• Analytics cookies measuring traffic and usage patterns
• Preference cookies storing user settings

You can disable cookies through browser settings, though this may limit certain site features. We do not use tracking technologies for behavioral advertising.

Policy Updates

This privacy policy may be revised to reflect operational changes or regulatory requirements. Updates will be posted on this page with a revised effective date. Significant changes affecting how we handle personal information will be communicated via email to active policyholders.

Continued use of our services after policy modifications constitutes acceptance of updated terms.