Privacy Policy

Privacy Policy

ProRisk Insurance Services (Hereafter referred to interchangeably as ProRisk Insurance Services, we, us, and our) believes strongly in protecting the privacy of Internet users who visit our Website, located at https://www.contractors-insure.com (the "Website"). This Privacy Statement is to inform you, the user of this Website, and the entities you represent, of how this Website collects, utilizes, and protects the personal information you choose to provide us. Generally, personal information is data used to identify you or your activities on the Website or through services offered on the Website.

This Privacy Statement applies solely to data collected via the Website. There may be additional personal (and other) information that we have or collect about you or your company pursuant to other relationships, which is subject to other agreements and rules.

What Data Do We Collect?

The information collected through the Website falls into two categories: (1) information voluntarily supplied by visitors to our Website and (2) information gathered via automated means as visitors navigate the Website.

Information Voluntarily Supplied by Visitors

Using this Website, you may provide us with personal information to help us serve your needs. For example, providing us with your name, mailing address, driver's license number, e-mail address, or other data that identifies you to request or receive information. Any personal information provided to us is used only for the purpose indicated on the Website or in this statement.

Information Gathered via Automated Means

We use various tools to enhance the Website user experience and track users of the Website, including cookies and web beacons. Cookies are small pieces of text that a website places on your computer to help it remember information about your visit. Web beacons are tiny graphics with unique identifiers embedded invisibly on the web pages. Neither cookies nor web beacons can read data off your computer's hard drive or collect personal information. We use information collected from cookies and web beacons to improve the user's experience and the overall quality of our services.

You can refuse to accept and delete cookies by adjusting your browser setting. Please note that restricting or deleting cookies may impact your browsing experience on the Website or prevent you from using some of its services which may result in the deletion of any preferences you have set. For more information on rejecting or deleting cookies, consult with your browsers or device help documentation or visit https://www.aboutcookies.org/.

In addition, while ensuring network security and consistent service for all users, ProRisk Insurance Services employs software programs to monitor network traffic, identify unauthorized access, detect damaging computer viruses and software, and improve the performance of ProRisk Insurance Services' network and this Website.

How Do We Use the Data We Collect?

We will use the information you provide to serve your needs, which may include sending you electronic or written materials. For example, if you supply us with your telephone number, you may receive telephone contact from us in response to your request.

Do We Share Your Data?

We will not sell, exchange, or otherwise distribute your personal information without your consent, except to the extent required by law, in accordance with your instructions, or as identified in this Privacy Statement:

Affiliates

To enable our affiliates to provide you services and to contact you regarding additional products and services in which you have expressed an interest.

Agents and Service Providers

We may contract with other companies and individuals to perform functions or services for us or on our behalf, such as hosting this Website, sending e-mail messages, and making phone calls. They may have access to personal information needed to perform their functions but are contractually restricted from using it for purposes other than providing services for ProRisk Insurance Services or on our behalf.

Business Transfers

As we continue to develop our business, we might sell or buy assets. In such transactions, user information generally is one of the transferred business assets. If ProRisk Insurance Services or its assets are acquired, your personal information may be one of the transferred assets.

Legal Matters

ProRisk Insurance Services may preserve, and has the right to disclose, any information about you or your use of this Website without your prior permission if ProRisk Insurance Services has a good faith belief that such action is necessary to: (a) protect and defend the rights, property, or safety of ProRisk Insurance Services or its affiliates, other users of this Website, or the public; (b) enforce the Terms of Service that apply to use of this Website; (c) respond to claims that any content violates the rights of third parties; (d) respond to claims of suspected or actual illegal activity; (e) respond to an audit or investigate a complaint or security threat; or (f) comply with applicable law, regulation, legal process, or governmental requests.

Your Rights Regarding the Collection and Use of Personal Information We Collect

Certain states provide certain rights. California grants users specific rights in using and collecting personal information. Subject to limitations and based on your residency, you may be entitled to the following rights:

• Right to Correct: You have the right to request that we correct any mistakes or update any personal information, as long as the requested corrections and updates would not violate any law or cause the information to be incorrect in our opinion.
• Right to Limit the Use and Disclosure of Sensitive Personal Information: You have the right to limit the use or disclosure of personal information we collect to only that use necessary to provide the requested services.
• Right to Know: You have the right to know and request information regarding the categories and specific personal information we have collected about you in the last 12 months, the purposes for collecting such information, and the categories of third parties with whom we share such information.
• Right Not to be Retaliated Against: You have the right not to be retaliated against for exercising the right to opt out or any other right provided.

If you wish to exercise any of the above rights, please submit your request via our Contact Us form.

What Steps Do We Take to Protect Your Information?

This Website and all information that you submit through this Website is collected, stored, and processed in the United States within ProRisk Insurance Services-controlled databases. We restrict access to your personal information to our employees, affiliates, and service providers who need to use it to provide this Website and our products or services. We have implemented physical, administrative, and technical safeguards to protect your personal information from unauthorized access. However, as effective as our security measures are, no security system is impenetrable.

Some Other Matters

Accessing and Correcting Your Information

Keeping your information accurate and up to date is very important. Inaccurate or incomplete information could impact our ability to deliver relevant services to you. Please let us know of any required changes to your personal information via our Contact Us form.

External Links

This Website includes links to other sites operated by organizations other than ProRisk Insurance Services. If you access another organization's Website using a link provided, the other organization may collect information from you. ProRisk Insurance Services is not responsible for linked websites' content, privacy practices, or their use.

Applicability of This Privacy Statement to International Users

This Privacy Statement is provided in accordance with and subject to U.S. law. If you access this Website from a location outside of the United States, you agree that your use of this Website is subject to the terms of this Privacy Statement and the Terms of Service.

Minors

This Website is not intended for minors. If you are under the age of eighteen (18), you are not authorized to use this Website. We do not knowingly collect, use, or disclose information about minors under the age of thirteen (13) without the consent of their parents or legal guardians.

Rights of California Residents

Under California's Consumer Privacy Act of 2018, Website visitors who are California residents may request and obtain a notice once a year about the personal information ProRisk Insurance Services shared with other businesses for their direct marketing purposes.

Changes to Privacy Statement

The Privacy Statement is subject to change at any time. It was last changed on November 28, 2023. If we make changes to this Privacy Statement, we will update the date it was last changed. Any changes we make to this Privacy Statement become effective immediately when we post the revised Privacy Statement on this Website.

Questions or Concerns?

Any questions, concerns, or complaints about this Privacy Statement or our privacy practices should be directed to ProRisk Insurance Services via our Contact Us form.