Privacy Policy
Specialty Insurance Services USA, LLC
Specialty Insurance Services USA, LLC ("Specialty Insurance"), a wholly owned subsidiary of Alliance Risk Insurance Services LLC, offers tailored insurance solutions for action sports and entertainment businesses.
This Privacy Policy describes how Specialty Insurance collects, uses, discloses, and otherwise processes personal information in connection with our website and online services that link to this Privacy Policy (collectively, "the Services"), and explains the rights and choices available to individuals with respect to their information.
Our Services are designed for use by businesses and are not intended for personal or household use. Accordingly, we treat all personal information covered by this Privacy Policy as pertaining to individuals acting as business representatives, rather than in their personal capacity.
This Policy is in addition to, and does not replace or override, our Terms of Service, which can be found at https://www.specialtyinsurancesc.com/terms. Please review this Policy carefully. If you find any terms unacceptable, please refrain from using the Website or providing us with any Personal Information.
1. Personal Information We Collect
Information you provide to us. Specialty Insurance may collect information to underwrite, sell, solicit, and negotiate insurance products and services. This may include:
- Contact details, such as your first and last name, phone number (work and personal), home address, employment address, and email address (work and personal)
- Business personal information, such as date of birth, gender, Social Security number, driver's license number, marital status, financial data, educational background, and employment history
- Payment and transactional data needed to process your application or collect any fees or premiums associated with your application through the Services
- Communications that we exchange with you, including when you contact us with questions, feedback, or otherwise
- Online profiles (e.g., Facebook, LinkedIn) and information linked to your social media or other online accounts when accessing our Website through such an account
- Information submitted when writing a review about products you have purchased (note that online reviews are public and can be collected by third parties)
- Your activity on our Website, such as page views, order information, or information provided when requesting insurance quotes
- Background information on business owners, including history of bankruptcy, tax or credit liens, lawsuits, and insurance program details
- Any other information you voluntarily provide
You must ensure that all information you submit is accurate and not misleading. Keep it up-to-date and notify us of any changes via the contact information below.
Personal information collected automatically. When you visit our Website, we may automatically collect certain information, including your IP address, the date and time of access, hardware and software details, browser type, operating system, and information about your mobile device. We may also track clicks, page views, and any information provided in connection with insurance quotes.
Personal information about other individuals. If you provide personal information about third parties (e.g., employees or dependents), we assume you have the necessary authority. Only provide accurate information and avoid including unnecessary details.
Background checks and reports. To provide an insurance quote, Specialty Insurance may conduct background checks, obtain credit reports and/or scores, and search public Internet sources about you or your company.
2. How We Use Your Personal Information
We use your personal information for the following purposes:
Service delivery, including to:
- Underwrite, sell, solicit, and negotiate insurance products and services
- Process orders and applications
- Contact you regarding your account, orders, payments, renewals, endorsements, or other matters related to transactions with us
- Provide requested quotes or offer goods and services from third-party vendors
- Provide, operate, and improve our Services and our business
- Communicate with you about our Services, including sending announcements, updates, security alerts, and support and administrative messages
- Determine eligibility and process applications for products and services
- Obtain and update insurance or credit information from appropriate third parties
Research and development, including to:
- Develop new features, products, and services
- Analyze claims data and other information to improve our offerings
- Create aggregated, de-identified, or anonymous data for analytics
Marketing and advertising, including to:
- Send direct marketing communications as permitted by law, including notifications of special promotions and offers
- Conduct market analysis, advertising, and marketing of products and services
- Engage advertising partners to market our Services and grow our user base
Compliance and protection, including to:
- Comply with applicable laws, lawful requests, and legal process
- Protect our, your, or others' rights, privacy, safety, or property
- Enforce the terms and conditions that govern our Services
- Prevent, identify, investigate, and deter fraudulent, harmful, unauthorized, or illegal activity
3. How We Share Your Personal Information
Specialty Insurance may share your personal information with:
Insurers and intermediaries. Insurers, reinsurers, insurance intermediaries, brokers, underwriters, reference bureaus, medical service providers, fraud detection agencies, loss adjusters, attorneys, accountants, and others involved in the claims handling process.
Service providers. Companies and individuals that provide services on our behalf or help us operate our Services or our business, such as hosting, information technology, customer support, database management, email delivery, payment processors, and website analytics services.
Professional advisors. Lawyers, auditors, bankers, and insurers, where necessary in the course of the professional services they render to us.
Authorities and others. Law enforcement, government authorities, and private parties, as we believe in good faith to be necessary or appropriate for compliance and protection purposes described above.
Business transferees. Acquirers and other relevant participants in business transactions involving a merger, consolidation, acquisition, reorganization, sale, or other disposition of all or any portion of our business, assets, or stock, including in connection with bankruptcy or similar proceedings.
With your consent. To third parties who assist us in operating our Website, conducting our business, or servicing you, including for marketing and advertising purposes, where you have given explicit consent.
No mobile information will be shared with third parties for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties.
4. Data Retention
Generally, we retain personal information only for as long as necessary, including to meet legal and regulatory requirements, and for the reasons for which it was collected. We consider the following when determining retention periods:
- The length of time needed to provide the products and services you requested
- The time required to support and enhance our operational processes
- The period needed to protect our rights and legal interests
- The duration required to comply with applicable laws and regulations
5. Your Privacy Choices
Access to information. To keep your information accurate, current, and complete, please contact us as specified below. We will take reasonable steps to update or correct information in our possession that you have previously submitted.
Opt out of marketing communications. You may opt out of marketing-related emails by following the opt-out or unsubscribe instructions at the bottom of the emails you receive from us. To opt out of text communications, text STOP or contact us at the email listed below. To unsubscribe from promotional voicemails, email us at support@specialtyinsurancesc.com. You may continue to receive service-related and other non-marketing messages.
Online tracking opt-out. There are a number of ways to limit online tracking:
- Blocking cookies in your browser settings. Most browsers let you remove or reject cookies. Visit www.allaboutcookies.org for more information.
- Blocking advertising ID use in your mobile device settings
- Using privacy plug-ins or browsers such as Brave, Privacy Badger, Ghostery, or uBlock Origin
- Opting out via the Digital Advertising Alliance or Network Advertising Initiative
6. Cookies
Specialty Insurance uses cookies to collect information about how you use our Website. A cookie is a small text file stored on your browser or device. Cookies help us recognize your device on return visits, provide a more stable and personalized experience, and gather usage information. For more details on cookies, visit www.aboutcookies.org.
We may also use web beacons and similar tracking technologies to gather information about your interactions with our Website. You can configure your browser settings to limit cookies, but blocking all cookies may affect your browsing experience.
We use various types of cookies, including:
- Necessary cookies to navigate secure areas for registered users
- Functional cookies to remember user preferences such as language or region
- Analytical cookies to assess content effectiveness and user behavior
You can manage cookies through your browser settings. Most browsers allow you to delete cookies individually. Removing or blocking cookies may affect your user experience and access to parts of our Website.
7. Data Security
We employ a number of technical, organizational, and physical safeguards designed to protect the personal information we collect. However, no security measures are failsafe and we cannot guarantee the security of personal information. No internet, email, or mobile application transmission is fully secure or error-free. Exercise caution when submitting information through email or the Website.
8. Third-Party Links
Our Website may contain links to websites and other online services operated by third parties. These links are not an endorsement of, or representation that we are affiliated with, any third party. We do not control websites or online services operated by third parties, and we are not responsible for their actions or privacy practices. We encourage you to review the privacy statements and terms of any third-party websites you visit.
9. International Users
Specialty Insurance and this Website are based in the United States. We offer insurance only to U.S. residents.
10. Children
Our Services are not intended for use by children under 13 years of age. If we learn that we have collected personal information through our Services from a child under 13 without the consent of the child's parent or guardian as required by law, we will delete it. If you believe we may have any information from or about a child, please contact us using the information below.
11. Changes to This Privacy Policy
We reserve the right to modify this Privacy Policy at any time. If we make material changes, we will provide notification by updating the date of this Privacy Policy and posting it on our Website. All changes take effect immediately upon posting. It is your responsibility to periodically review this Privacy Policy for any updates
12. Contact Us
If you have any questions about this Privacy Policy or the personal information that Specialty Insurance holds, or if you wish to update the information you have provided, please contact us:
Email: support@specialtyinsurancesc.com
Specialty Insurance Services USA, LLC
250 W 57th St, Suite 1301
New York, NY 10107
(888) 673-7228