SpecialtY Privacy Policy

Privacy Policy

1. Introduction

Specialty Insurance Agency (“Specialty Insurance,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information about you when you interact with us—whether in person, by phone, by email, or through our website or digital services.

By using our services or providing information to us, you agree to this Privacy Policy.

2. Information We Collect

We collect information that helps us provide insurance and related services, including:

Personal Information

• Full name, mailing address, email address, and phone number
• Date of birth, gender, and marital status
• Driver’s license or identification number
• Employment, occupation, and income information
• Social Security number (only when required by law or for underwriting)
• Insurance policy numbers, claim details, and coverage information
• Payment and billing details
• Property, vehicle, or business information relevant to your coverage

Non-Personal Information

• Browser type, device identifiers, and IP address
• Website usage data (via cookies and analytics tools)
• General geographic data and referral URLs

3. How We Collect Information

We may collect information from:

• Applications, quotes, claims, and other forms you submit
• Communications with our agents, brokers, or customer service team
• Your  transactions with us, our affiliates, or third parties
• Public databases, government agencies, or consumer reporting services
• Insurance carriers, reinsurers, or third-party administrators

4. How We Use Your Information

We use your information to:

• Process insurance applications, quotes, and renewals
• Administer your policies and handle claims
• Verify your identity and prevent fraud
• Respond to your inquiries and provide customer support
• Send policy updates, billing information, and service communications
• Improve our website, products, and customer experience
• Comply with legal, regulatory, and contractual obligations

We do not sell or rent your personal information to third parties.

5. Information Sharing and Disclosure

We may share your information with:

• Insurance carriers, underwriters, and brokers to place coverage
• Adjusters, appraisers, and investigators involved in claims handling
• Service providers who assist in operations, billing, data storage, or IT support
• Legal, financial, and compliance professionals
• Government authorities or regulators when required by law
• Consumer reporting agencies (as permitted by the Fair Credit Reporting Act)

All third parties are required to protect your information and use it only for legitimate business purposes.

6. Data Security

We maintain administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. While we strive to use reasonable means to protect your data, no system is completely secure, and we cannot guarantee absolute security.

7. Your Privacy Rights by State

Depending on where you reside, you may have specific rights regarding your personal information.

California Residents (CCPA/CPRA)

If you live in California, you have the right to:

• Request access to the personal information we collect and how we use it
• Request correction or deletion of your personal data (subject to certain      exceptions)
• Opt out of the sale or sharing of personal information (we do not sell your      data)
• Limit the use of sensitive personal information

To exercise your rights, contact us using the information below. We will verify your request as required by law.

Colorado, Virginia, and Other State Laws

Residents of states with privacy laws (including Colorado, Connecticut, Utah, and Virginia) may also have rights to access, correct, delete, or opt out of certain processing. Specialty Insurance Agency will honor applicable state privacy laws and provide responses consistent with legal requirements.

8. Data Retention

We retain your information only as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, or enforce our agreements.

9. Cookies and Online Tracking

Our website uses cookies and similar technologies to enhance functionality, analyze traffic, and personalize content. You can manage or disable cookies through your browser settings, though some features may not function properly if cookies are disabled.

10. Children’s Privacy

Our services are intended for adults. We do not knowingly collect personal information from children under 18. If we learn that we have collected such information, we will delete it promptly.

11. Updates to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. Updated versions will be posted on our website with a new effective date. Continued use of our services indicates your acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at:

Specialty Insurance Agency
1350 Campus Parkway, Suite 302
Neptune, NJ 07753
Website: specialtyagency.com