Information we collect and why we collect it

Information about you
When you engage us to provide insurance services, we will ask you for personal information (such as your name, email address, and phone number). If you decide to request an insurance quote through us, we will also request certain personal information (such as your Social Security number and date of birth). We may also request information from others (such as consumer reporting from credit bureaus, medical information bureaus, claims history reporting agencies, inspections, appraisals as well as information from lienholders, state agencies, or others) for the purpose of writing an application, changing or updating your insurance policies or filling a claim.
We may combine the information received online or offline under various forms and services in order to provide customers with a better experience and to improve the quality of our services.

In addition, we may also collect and process personal information for the following purposes:

- Providing insurance services we offer currently, and developing new insurance services we may offer in the future.

Cookies
What is a cookie? Cookies are sets of information that our web server assigns to you when you visit our website. Cookies are used in a few areas of our site for maintaining information between pages. These cookies simply carry forward information that you submitted on one screen to the next screen, eliminating the need for redundant entry. We may use IP addresses to derive certain other information concerning visits to our website, but we do not analyze this information in a way that would reveal the identity of the individual browsing our websites. When you select one of our products or services, register for a newsletter or e-mail alert, fill out an online form, or complete a survey, we may try to identify your browser and we may combine information from cookies, Web beacons, and other information collected online with other data that we maintain about you. You have a choice to accept or reject the cookie, however, if you reject the cookie or if cookies are disabled on your web browser, some parts of the website will not be operable.

Customer Communications
When you send an email or other communication to us, we may retain those communications in order to process your inquiries, respond to your requests, and improve our services.

Other sites
This Privacy Policy only applies to how we handle your information on our website www.essentialinsurances.com. We do not exercise control over other websites. These sites may place their own cookies or other files on your computer, collect data, or solicit personal information from you.

How your information is used

The information that we collect about you will only be used to provide, enhance, or update the insurance products and services that you have asked us to quote, propose or place for you. This information may be shared only with affiliated insurance providers, companies, or brokers as required to provide, propose or bind your insurance services. We will not discuss or share your information with any other person or entity unless requested by you or compelled by a court order.

Choices for Personal Information
If we propose to use personal information for any purposes other than those described in this Policy, you have a choice to accept or decline such proposal. We will not collect or use sensitive information for purposes other than those described in this Policy, unless we have obtained your prior consent. If you do choose to decline to submit personal information to any of our services, there may be some instances in which we may not be able to provide those services to you.

Information Security and Confidentiality
Your personal information will be accessible only by those employees who need the information in order to operate, develop, or improve our services. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution if they fail to meet these obligations.

Data Integrity
We only collect and process personal information for the purposes described in this Privacy Policy. We review our data collection, storage, and processing practices to ensure that we only collect, store, and process the personal information needed to provide or improve our services. We take reasonable steps to ensure that the personal information we collect and the process is accurate, complete, and current, but we depend on our customers to inform us their personal information should be updated or corrected whenever necessary.

Changes to Our Privacy Policy
If we make changes to our Privacy Policy, we will post them to this section of this website. If you have any questions about this Policy, please feel free to contact us through our website’s contact page.