Florida Insurance & Protection LLC (“Florida Insurance & Protection,” “FIP,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us.

This Privacy Policy explains how we collect, use, disclose, and protect information when you visit our website, request an insurance quote, contact us, or otherwise use our services.

1. Information We Collect

We may collect personal information that you voluntarily provide to us, including:

• Name
• Address
• Email address
• Telephone number
• Date of birth
• Information about household members or drivers
• Property information
• Vehicle information
• Business information
• Insurance history and current coverage
• Claims information
• Driver's license information
• Financial or payment-related information
• Information necessary to obtain insurance quotes, applications, policies, or related services
• Other information you provide when contacting us or requesting insurance services

Depending on the type of insurance requested, we may need additional information necessary for underwriting, eligibility, rating, or servicing purposes.

Please do not submit sensitive information through ordinary email or website fields unless specifically requested through a secure method provided by us.

2. Information Collected Automatically

When you visit our website, certain information may be collected automatically through cookies and similar technologies. This may include:

• IP address
• Browser type
• Device type
• Operating system
• Pages visited
• Date and time of visits
• Referring website
• Website interaction and usage information

We may use this information to operate our website, improve its performance, understand how visitors use it, maintain security, and improve our services.

3. Cookies and Similar Technologies

Our website and third-party service providers may use cookies and similar technologies to provide website functionality, remember preferences, analyze website usage, and support other website features.

Where applicable, you may be able to accept, decline, or modify certain cookie and privacy preferences through the privacy settings available on our website.

Disabling certain cookies may affect the functionality of some portions of the website.

4. Translation Services

Our website may provide automated translation functionality through a third-party service.

If you choose to activate translation features, information about your visit or activity may be transmitted to the third-party translation provider as necessary to provide the service.

Use of such third-party services may also be subject to the privacy practices and terms of the applicable provider.

5. How We Use Your Information

We may use information we collect to:

• Respond to inquiries and quote requests
• Obtain and compare insurance quotes
• Submit applications to insurance companies, managing general agents, wholesalers, insurance networks, and other insurance-market providers
• Bind, issue, renew, modify, or cancel insurance coverage at your request
• Service and manage insurance policies
• Communicate regarding quotes, applications, policies, renewals, claims, payments, and other insurance matters
• Verify information and insurance eligibility
• Process authorized payments
• Maintain customer and agency records
• Improve our website and services
• Prevent fraud, unauthorized activity, and security incidents
• Comply with legal, regulatory, licensing, and contractual requirements

We may also use your contact information to communicate with you regarding products or services that may be relevant to you, subject to applicable law and your communication preferences.

6. Insurance Quotes and Third Parties

As an independent insurance agency, Florida Insurance & Protection works with insurance carriers and other insurance-market participants.

When you request a quote or insurance service, we may disclose information necessary to obtain quotes, determine eligibility, underwrite coverage, issue a policy, or service your insurance.

Recipients may include:

• Insurance companies
• Managing general agents (MGAs)
• Wholesale brokers
• Insurance networks and market-access providers
• Underwriting organizations
• Premium finance companies
• Insurance technology and agency-management providers
• Payment processors
• Claims-related service providers
• Other parties involved in providing or servicing the insurance products you request

These organizations may process your information according to their own privacy policies and legal obligations.

7. Consumer Reports and Insurance Information

Where permitted by law and necessary for an insurance transaction, insurance companies or their authorized service providers may obtain information from third-party sources.

Depending on the insurance product, this information may include insurance history, claims history, driving records, property information, credit-based insurance information where legally permitted, or other underwriting information.

Such information is generally obtained for purposes such as determining eligibility, underwriting, rating, fraud prevention, or servicing insurance coverage.

8. Sharing of Personal Information

We do not sell your personal information for money.

We may disclose personal information when reasonably necessary to:

• Provide insurance quotes or services you request
• Work with insurance carriers and insurance-market partners
• Operate our website and agency-management systems
• Process authorized transactions
• Protect against fraud or security threats
• Comply with legal or regulatory obligations
• Respond to lawful requests from government authorities
• Protect our rights, customers, employees, or business

Service providers that process information on our behalf may receive information necessary to perform their contracted services.

9. Communications, Email, and Text Messages

If you provide us with your telephone number or email address, we may use that information to communicate with you regarding inquiries, quotes, applications, policies, renewals, claims, service requests, or other insurance-related matters.

If you separately consent to receive text messages or marketing communications, you may withdraw that consent as permitted by applicable law.

Consent to receive marketing text messages is not a condition of purchasing insurance products or services.

Message and data rates may apply to text messages.

10. Payments

If electronic payment functionality is made available, payments may be processed through a third-party payment processor.

We may not directly store complete credit card, debit card, or bank-account information when those details are collected and processed directly by the payment provider.

Payment providers may process information according to their own privacy policies and security practices.

11. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, loss, or misuse.

However, no website, email system, electronic transmission, or data-storage system can be guaranteed to be completely secure.

Customers should avoid sending Social Security numbers, complete payment credentials, passwords, or other highly sensitive information through unsecured email or ordinary website communication unless specifically instructed to do so.

12. Data Retention

We may retain personal information for as long as reasonably necessary to provide services, maintain insurance and business records, comply with legal and regulatory requirements, resolve disputes, prevent fraud, and enforce agreements.

Retention periods may vary depending on the type of information, insurance transaction, and applicable legal requirements.

13. Your Privacy Choices

Depending on applicable law and the nature of the information involved, you may contact us to:

• Ask what personal information we maintain about you
• Request correction of inaccurate information
• Request that certain information be deleted where legally permitted
• Update your contact information
• Change certain communication preferences
• Ask questions about how your information is used or disclosed

Certain information may need to be retained because of insurance, legal, regulatory, contractual, fraud-prevention, or recordkeeping requirements.

14. Third-Party Websites

Our website may contain links to insurance companies, payment providers, social media platforms, or other third-party websites.

Florida Insurance & Protection does not control the privacy practices or content of third-party websites. We encourage you to review the privacy policy of any third-party website you visit.

15. Children's Privacy

Our website and insurance services are not directed to children under 13.

We do not knowingly collect personal information directly from children under 13 through our website without appropriate authorization. Information regarding minor household members or drivers may, however, be provided by a parent, guardian, policyholder, or applicant when necessary for an insurance transaction.

16. Florida Residents

Florida Insurance & Protection LLC is a Florida insurance agency.

We maintain and protect personal information in accordance with applicable federal and Florida laws and regulations, including applicable requirements concerning the security of personal information.

Florida law may provide additional rights or requirements depending on the nature of the information and the circumstances in which it is collected or processed.

17. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes to our business, website, technology, service providers, or legal requirements.

When we update this Privacy Policy, we will revise the “Last Updated” date shown at the top of this page.

18. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact:

Florida Insurance & Protection LLC
401 East Jackson Street, Suite 2340
Tampa, FL 33602
United States

Website: www.floridainsuranceprotection.com

You may also contact us using the contact information or contact form available on our website.

Florida Insurance & Protection LLC
Licensed Florida Insurance Agency
Florida Agency License #L135482