Last Updated: January 1, 2025  |  Effective Date: January 1, 2025

1. Information We Collect

Information You Provide Directly

When you request a quote, contact us, or submit a form on our website, we may collect:

• Your name, email address, and phone number
• Business name, industry, number of employees, and annual revenue
• The state(s) in which you operate
• The types of insurance coverage you are seeking
• Any additional information you voluntarily provide in message fields

Information Collected Automatically

When you visit our website, we may automatically collect certain technical information, including:

• IP address and general geographic location
• Browser type, version, and operating system
• Pages visited, time spent on pages, and referring URLs
• Device type and screen resolution
• Cookie identifiers and similar tracking data (see Section 6 — Cookies)

Information from Third Parties

We may receive information about you from third-party sources such as insurance carriers, data providers, or referral partners, which we combine with information we already hold.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide insurance brokerage services: Preparing and delivering insurance quotes, placing coverage, and servicing your policies.
• To communicate with you: Responding to inquiries, sending quote information, and following up on your requests.
• To improve our website and services: Analyzing usage patterns, fixing technical issues, and improving user experience.
• To comply with legal obligations: Meeting requirements under state insurance regulations, licensing laws, and applicable federal law.
• To send marketing communications: With your consent (where required by law), we may send you information about insurance products, risk management tips, and agency news. You may opt out at any time.
• To prevent fraud and ensure security: Protecting our website and services from unauthorized use or fraudulent activity.

3. How We Share Your Information

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

• Insurance carriers and underwriters: To obtain quotes and place coverage on your behalf. This is the core purpose of our brokerage service and the primary reason you provide us information.
• Service providers: Third-party vendors who assist us in operating our website and conducting our business (e.g., website hosting, email service providers, analytics tools), subject to confidentiality obligations.
• Legal compliance: When required by law, subpoena, court order, or government regulation, or to protect the rights, property, or safety of our agency, our clients, or others.
• Business transfers: In connection with a merger, acquisition, or sale of all or a portion of our business assets, in which case your information may be transferred as a business asset.
• With your consent: For any other purpose with your prior written consent.

We do not share your information with third-party marketers or data brokers without your explicit consent.

4. Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, to comply with legal and regulatory requirements (including state insurance recordkeeping requirements, which typically require retention of insurance records for 5–7 years), and to resolve disputes and enforce our agreements. When information is no longer needed, we securely delete or anonymize it.

5. Your Rights and Choices

Depending on your state of residence, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request that we correct inaccurate or incomplete information.
• Deletion: Request that we delete your personal information, subject to legal and regulatory retention requirements.
• Opt-out of marketing: Opt out of receiving marketing communications at any time by clicking "unsubscribe" in any email or by contacting us directly.
• Data portability: In certain circumstances, request that we provide your data in a portable format.

California Residents (CCPA/CPRA): California residents have additional rights under the California Consumer Privacy Act, including the right to know what personal information is collected, the right to delete personal information, the right to opt out of the sale or sharing of personal information (we do not sell personal information), and the right to non-discrimination for exercising privacy rights. To exercise your California privacy rights, contact us using the information in Section 9.

Washington Residents (My Health Data): Washington's My Health Data Act may apply to certain health-related information. We do not intentionally collect consumer health data through our website.

To exercise any of your rights, contact us at the information provided in Section 9. We will respond within the timeframe required by applicable law (generally 30–45 days).

6. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance your experience and collect analytics data. Types of cookies we may use include:

• Essential cookies: Required for the website to function properly. These cannot be disabled.
• Analytics cookies: Help us understand how visitors use our website (e.g., Google Analytics). These are anonymized and do not identify individual users.
• Marketing cookies: May be used to track effectiveness of advertising campaigns. We will seek your consent before placing non-essential cookies where required by law.

You can control cookies through your browser settings. Disabling certain cookies may affect website functionality. For more information about cookies, visit allaboutcookies.org.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These include secure data transmission (SSL/TLS encryption), access controls, and regular security reviews. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information.

In the event of a data breach that affects your personal information, we will notify you as required by applicable state breach notification laws.

8. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier websites. We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

9. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about how we handle your information, please contact us:

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will post the updated policy on this page with a revised "Last Updated" date. Your continued use of our website after any changes constitutes acceptance of the updated policy. For material changes, we will provide more prominent notice.

Last Updated: January 1, 2025  |  Effective Date: January 1, 2025

1. Acceptance of Terms

These Terms of Use ("Terms") govern your access to and use of the website located at businessinsurancebrokers.com ("Website"), operated by Business Insurance Brokers ("we," "us," or "our"), a Washington State licensed independent insurance agency. These Terms constitute a legally binding agreement between you and Business Insurance Brokers.

2. Nature of Services — Insurance Brokerage

Business Insurance Brokers is a licensed independent insurance broker. We act as an intermediary between you and insurance carriers. Important limitations:

• We do not underwrite insurance policies. Coverage is provided by third-party insurance carriers, not by Business Insurance Brokers.
• Nothing on this website constitutes a binding offer of insurance coverage or a guarantee that coverage will be available.
• Insurance availability, terms, conditions, and pricing are determined by insurance carriers and are subject to underwriting review.
• Any quote or estimate provided through this website is preliminary and subject to change pending full underwriting review.
• Coverage does not exist until a policy has been issued by a licensed insurance carrier and premium has been paid.

3. Informational Purpose Only

The content on this website is provided for general informational purposes only. It does not constitute legal, financial, or insurance advice. The information provided:

• Is general in nature and may not apply to your specific situation
• Is not a substitute for consultation with a licensed insurance professional
• May not be current, complete, or applicable in all states
• Does not create a broker-client relationship unless a separate written agreement has been executed

You should consult with a licensed insurance broker or attorney before making any insurance or risk management decisions.

4. Licensing Disclosure

Business Insurance Brokers is licensed as an insurance broker in the states in which it conducts business, including Washington, Oregon, Idaho, Nevada, Arkansas, South Dakota, Pennsylvania, Texas, Indiana, and California. We operate in compliance with the insurance laws and regulations of each state in which we are licensed. State-specific licensing information is available upon request.

5. User Conduct

By using this website, you agree that you will not:

• Use the website for any unlawful purpose or in violation of any applicable laws or regulations
• Submit false, misleading, or fraudulent information through any form or inquiry
• Attempt to gain unauthorized access to any part of the website or our systems
• Use automated tools, bots, or scrapers to extract data from the website
• Interfere with the operation of the website or the experience of other users
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Transmit any viruses, malware, or other harmful code

6. Intellectual Property

All content on this website — including text, graphics, logos, images, and software — is the property of Business Insurance Brokers or its content licensors and is protected by applicable copyright, trademark, and intellectual property laws. You may not reproduce, distribute, modify, transmit, or create derivative works from any content on this website without our prior written permission, except for personal, non-commercial use.

7. Disclaimer of Warranties

THIS WEBSITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY INFORMATION ON THE WEBSITE.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BUSINESS INSURANCE BROKERS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING FROM OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THIS WEBSITE OR ITS CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THESE TERMS OR YOUR USE OF THE WEBSITE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.

9. Third-Party Links

This website may contain links to third-party websites for your convenience. We do not control, endorse, or assume responsibility for the content, privacy practices, or availability of third-party websites. Your use of third-party websites is at your own risk and subject to those websites' terms and policies.

10. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Washington, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of the website shall be subject to the exclusive jurisdiction of the state and federal courts located in Washington State. You consent to the personal jurisdiction of such courts.

11. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the website after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

12. Contact Us

Questions about these Terms of Use? Contact us:

Last Updated: January 1, 2025

What Are Cookies?

Cookies are small text files placed on your device when you visit a website. They help the website remember your preferences, analyze traffic, and in some cases deliver targeted advertising. Cookies do not contain personally identifiable information on their own, but they can be linked to personal information we hold about you.

Types of Cookies We Use

• Strictly Necessary Cookies: Essential for the website to function. These cannot be disabled. They include session cookies that keep you logged in or remember form data during your visit.
• Performance / Analytics Cookies: These help us understand how visitors interact with our website by collecting anonymized information (e.g., pages visited, time on site). We may use Google Analytics or similar tools.
• Functionality Cookies: These remember your preferences (e.g., state selection) to improve your experience on return visits.
• Marketing / Targeting Cookies: May be used to show you relevant advertising on other platforms. We will seek your consent before placing these where required by law.

Managing Cookies

You can control and delete cookies through your browser settings. Most browsers allow you to refuse or delete cookies. However, doing so may affect the functionality of our website. Browser-specific instructions are available at:

• Chrome: support.google.com/chrome/answer/95647
• Firefox: support.mozilla.org/kb/enable-and-disable-cookies-website-preferences
• Safari: support.apple.com/guide/safari/manage-cookies-sfri11471
• Edge: support.microsoft.com/help/4468242

To opt out of Google Analytics tracking specifically, visit: tools.google.com/dlpage/gaoptout

Do Not Track

Some browsers offer a "Do Not Track" (DNT) setting. Our website currently does not respond to DNT signals, as there is no industry-standard approach to DNT compliance. We will continue to monitor developments in this area.

Contact

Questions about our use of cookies? Email us at [email protected].

Last Updated: January 1, 2025

General Disclaimer

The information provided on businessinsurancebrokers.com is for general informational purposes only. Business Insurance Brokers makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information contained on this website.

No Coverage Guarantee

Nothing on this website constitutes an offer, commitment, or guarantee of insurance coverage. Insurance coverage is subject to underwriting approval by the applicable insurance carrier. Coverage terms, conditions, exclusions, and pricing are determined solely by the insurer. All coverage descriptions on this website are general summaries and do not describe actual policy terms. Refer to your actual policy documents for coverage details.

No Legal or Financial Advice

The content on this website does not constitute legal, financial, tax, or professional advice of any kind. It is not a substitute for advice from a licensed attorney, accountant, or other qualified professional. You should consult appropriate professionals before making insurance, legal, or financial decisions.

State Availability

Insurance products and programs described on this website may not be available in all states or may be subject to different terms and conditions in different states. Business Insurance Brokers is licensed in Washington, Oregon, Idaho, Nevada, Arkansas, South Dakota, Pennsylvania, Texas, Indiana, and California. We do not solicit business in states where we are not licensed.

Third-Party Carriers

Business Insurance Brokers works with numerous third-party insurance carriers. Mention of any carrier on this website does not constitute an endorsement and does not guarantee that coverage from that carrier will be available to you. Carrier availability and appetite are subject to change.

Website Accuracy

While we strive to keep the information on this website current and accurate, insurance laws, carrier programs, and market conditions change frequently. We make no warranty that website content is current or free of errors. Please contact us directly for the most up-to-date information about available coverages.

Limitation on Liability

Business Insurance Brokers shall not be liable for any loss or damage arising from reliance on any information contained on this website. Your use of any information on this website is entirely at your own risk.

Last Updated: January 1, 2025

Our Commitment

We aim to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. These guidelines explain how to make web content more accessible to people with disabilities, including those with visual, auditory, physical, speech, cognitive, language, learning, and neurological disabilities.

Measures We Take

• Descriptive alt text on all meaningful images
• Sufficient color contrast between text and backgrounds
• Logical heading structure (H1, H2, H3) on all pages
• Keyboard-navigable interface — all interactive elements are reachable by Tab key
• Descriptive link text throughout the site
• Visible focus indicators for keyboard navigation
• Responsive design that works across devices and screen sizes
• Form labels associated with all form fields

Known Limitations

While we strive for full accessibility, some content may not yet meet all WCAG 2.1 AA standards. We are actively working to identify and address any gaps. If you encounter any accessibility barriers, please contact us so we can address them promptly.

Feedback and Contact

If you experience any difficulty accessing content on our website, or if you need information in an alternative format, please contact us:

Formal Complaints

If you are not satisfied with our response to an accessibility concern, you may contact the U.S. Department of Justice Civil Rights Division or file a complaint under the Americans with Disabilities Act (ADA). Information is available at ada.gov.