Privacy Policy

We may collect the following types of personal information from you:

• Contact Information — Full name, business name, mailing address, email address, and phone number(s).
• Business Information — Business type, number of employees, annual revenue, operating locations, and industry details relevant to quoting commercial insurance.
• Insurance Information — Current coverage details, claims history, expiration dates, and coverage needs.
• Vehicle & Asset Information — Vehicle identification numbers (VINs), vehicle descriptions, garage addresses, and fleet details as applicable.
• Communication Preferences — Whether you prefer to be reached by phone call, text message (SMS), or email.
• Lead Form Data — Information submitted through our online intake forms, quote request tools, or landing pages.
• Usage Data — Basic analytics about how you interact with our website (pages visited, referral source, device type).

We collect your information through the following channels:

• Online quote request forms and lead capture pages
• Phone calls initiated by you or our producers
• Text message (SMS) communications
• Email correspondence
• In-person meetings, events, and referrals
• Third-party marketing platforms (e.g., Meta Lead Ads, Google)
• Referrals from existing clients or business partners

We use the information we collect to serve you as a client and to operate our business effectively. Specifically, we use your information to:

• Provide insurance quotes, bind coverage, and service your existing policies
• Contact you via phone call, text message (SMS), or email to follow up on quotes, renewals, or policy updates
• Send appointment reminders, coverage change notices, and important policy documents
• Process applications and communicate with insurance carriers on your behalf
• Respond to inquiries and resolve questions or claims-related matters
• Send marketing or educational content about coverage options relevant to your business (you may opt out at any time)
• Comply with legal, regulatory, and licensing obligations as an insurance brokerage
• Improve our services, forms, and internal processes

We do not sell your personal information. We may share your information only in the following circumstances:

• Insurance Carriers & Wholesalers — To obtain quotes, bind coverage, and service your policy with licensed insurance companies and wholesale brokers.
• Service Providers — Trusted third-party vendors who assist us with CRM software, communication platforms, quoting tools, and business operations (e.g., HubSpot, EZLynx). These providers are contractually bound to protect your data.
• Legal & Regulatory Requirements — When required by applicable law, court order, or regulatory authority (such as the California Department of Insurance).
• Business Transfers — In the event of a merger, acquisition, or sale of our agency, your information may be transferred as part of that transaction.

We do not share your information with unaffiliated third parties for their own marketing purposes without your explicit consent.

As a California-based business, we honor all rights afforded to California residents under the California Consumer Privacy Act (CCPA). You have the right to:

• Know what personal information we have collected, used, disclosed, or sold about you.
• Delete personal information we have collected from you, subject to certain exceptions.
• Opt Out of the sale of your personal information (we do not sell personal data).
• Non-Discrimination — We will not discriminate against you for exercising any of your CCPA rights.

To exercise any of these rights, contact us using the information in Section 8 below. We will respond to verified requests within 45 days.

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, to maintain our business records, and to comply with applicable legal, regulatory, and licensing requirements. Client records are generally retained for a minimum of five (5) years following the end of the client relationship, or as required by California insurance regulations.

Our website may use cookies and similar tracking technologies to understand how visitors interact with our site, measure the effectiveness of our marketing campaigns, and improve user experience. These may include cookies from third-party platforms such as Google Analytics or Meta (Facebook).

You can control cookie settings through your browser preferences. Disabling cookies may limit certain features of our site. We do not respond to "Do Not Track" signals at this time, as no universal standard has been adopted.

If you have any questions about this Privacy Policy, wish to exercise your privacy rights, or would like to update your communication preferences, please contact us: