Privacy Policy

1. Introduction

Empire Commercial Insurance Agency LLC ("Empire," "we," "us," or "our") operates the website https://empirecommercialinsurance.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site or submit a quote request. Please read this policy carefully. If you disagree with its terms, please discontinue use of the Site.

2. Information We Collect

We may collect the following categories of personal information:

• Contact Information: Name, email address, phone number, and business address.
• Business Information: Business name, type of trade or contractor work, number of employees, and annual revenue.
• Communication Preferences: Whether you opt in to receive SMS/text messages or promotional communications.
• Technical Data: IP address, browser type, operating system, referring URLs, and pages visited, collected automatically via cookies and similar technologies.

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and improve our services and the Site.
• Respond to your quote requests and communicate with you about insurance products.
• Send transactional messages related to your quote or policy (e.g., confirmation, follow-up).
• Send promotional and marketing SMS/text messages only if you have provided explicit written consent by checking the optional marketing checkbox on our forms.
• Comply with applicable laws and regulations.
• Prevent fraud and ensure the security of our Site.

4. SMS / Text Message Communications

Empire Commercial Insurance Agency LLC may send SMS text messages to users who have explicitly opted in by checking the optional marketing consent checkbox on our website forms. By opting in, you agree to receive text messages from us, which may include insurance offers, promotions, updates, and service announcements.

• Message Frequency: Message frequency varies based on your interactions with us.
• Message & Data Rates: Standard message and data rates may apply depending on your mobile carrier and plan.
• Opt-Out: You may opt out of SMS messages at any time by replying STOP to any message you receive from us. After opting out, you will receive a single confirmation message and no further promotional texts.
• Help: Reply HELP to any message for assistance, or contact us at [email protected].
• Consent is not required: Providing consent to receive marketing text messages is not a condition of purchasing any insurance product or service from Empire Commercial Insurance Agency LLC.
• No sharing: We do not sell, rent, or share your phone number or SMS opt-in data with third parties for their own marketing purposes.

5. Sharing of Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information with:

• Insurance Carriers and Partners: To obtain quotes and bind coverage on your behalf.
• Service Providers: Third-party vendors who assist us in operating the Site and conducting our business (e.g., CRM platforms, email/SMS delivery services), subject to confidentiality obligations.
• Legal Requirements: When required by law, court order, or governmental authority.

We do not purchase, sell, or broker leads. All contacts are generated organically through our own website.

6. Cookies and Tracking Technologies

Our Site may use cookies and similar tracking technologies to enhance your browsing experience, analyze Site traffic, and understand where our visitors come from. You can control cookie settings through your browser preferences. Disabling cookies may affect certain features of the Site.

7. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

8. Children's Privacy

Our Site is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately.

9. Your Rights

Depending on your state of residence, you may have rights to access, correct, or delete your personal information. To exercise any of these rights, please contact us using the information below.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by a revised "Last updated" date at the top of this page. We encourage you to review this policy periodically.

11. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us: