KASL Insurance Services LLC, doing business as Chelsea Insurance Services (“Chelsea Insurance Services,” “Agency,” “we,” “us,” or “our”), respects the privacy of our customers and applicants. This notice explains how we collect, use, disclose, and protect personal information obtained in connection with insurance products and services. It applies primarily to individuals who seek or obtain insurance for personal, family, or household purposes; certain provisions may also apply to commercial insurance customers where required by applicable law.
01 Information We May Collect
In connection with providing insurance quotations, applications, policies, endorsements, renewals, claims assistance, premium financing, and related insurance services, we may collect nonpublic personal information about you, including:
- Name, mailing address, email address, and telephone number
- Date of birth and other identifying information
- Driver’s license information when relevant to the insurance being requested
- Vehicle and property information
- Household or business information relevant to insurance underwriting
- Prior insurance information
- Claims and loss information you provide to us
- Insurance coverage, limits, deductibles, premiums, and payment information
- Information contained in an insurance application or quotation request
- Information provided during telephone calls, emails, website submissions, or other communications with us
- Information provided to us by insurers, managing general agents, wholesalers, brokers, or other insurance professionals in connection with your insurance transaction
- Financial information necessary to process premiums, refunds, premium financing, or other insurance transactions
- Other information reasonably necessary to quote, place, service, renew, or administer insurance coverage
We do not necessarily collect every category listed above for every customer or insurance transaction.
02 Sources of Information
We may obtain information about you from:
- Information you provide directly to us
- Insurance applications and quotation requests
- Your communications with our employees or insurance producers
- Insurance companies
- Managing general agents and managing general underwriters
- Wholesale brokers and insurance intermediaries
- Premium finance companies
- Claims administrators
- Prior insurers or insurance agents, where permitted and appropriate
- Service providers assisting us with insurance transactions
- Other sources authorized or permitted by applicable law
Chelsea Insurance Services does not use its website to independently obtain motor vehicle reports, CLUE reports, consumer credit reports, insurance scores, or similar consumer reports.
03 How We Use Information
We may use personal information for legitimate insurance and business purposes, including to:
- Obtain insurance quotations
- Determine preliminary insurance eligibility
- Submit insurance applications
- Assist insurance companies and other insurance-market participants with underwriting
- Place, bind, issue, renew, modify, or cancel insurance coverage when authorized
- Process policy endorsements and service requests
- Verify information provided in an insurance application
- Communicate with insurers, MGAs, wholesalers, brokers, and other insurance-market participants
- Process premiums and premium financing
- Assist with claims reporting and administration
- Detect or prevent fraud or material misrepresentation
- Comply with insurance laws, licensing requirements, sanctions requirements, court orders, regulatory requests, and other legal obligations
- Maintain records of insurance transactions
- Protect our customers, employees, systems, and business
- Provide customer service
- Perform other activities reasonably related to providing insurance products and services
04 How We May Disclose Information
We may disclose personal information when reasonably necessary to conduct an insurance transaction or as otherwise permitted or required by law. Recipients may include:
- Insurance companies
- Reinsurance companies
- Managing general agents or managing general underwriters
- Wholesale insurance brokers
- Surplus lines brokers
- Retail insurance producers
- Insurance program administrators
- Third-party claims administrators
- Adjusters and other claims professionals
- Premium finance companies
- Insurance support organizations
- Technology, hosting, cybersecurity, document-management, communications, and other service providers performing services for us
- Auditors, accountants, attorneys, consultants, and professional advisers
- Government agencies, insurance departments, law-enforcement agencies, courts, or regulators
- Other parties where disclosure is authorized by you or permitted or required by law
These disclosures may occur without additional authorization when permitted by applicable insurance privacy law, including disclosures reasonably necessary to quote, underwrite, place, administer, service, renew, or process an insurance transaction.
05 We Do Not Sell Insurance Customer Information
KASL Insurance Services LLC d/b/a Chelsea Insurance Services does not sell nonpublic personal information obtained in connection with an insurance transaction to unrelated third parties for their own independent marketing purposes.
We also do not disclose nonpublic personal information to unaffiliated third parties for their own independent marketing purposes except where you specifically authorize the disclosure or the disclosure is otherwise permitted by applicable law.
If our information-sharing practices change in a manner that creates a consumer opt-out right, we will provide any notice and opportunity to opt out required by applicable law.
06 Sensitive Information
Certain insurance transactions may involve information considered sensitive under applicable law. We collect and use sensitive information only when reasonably necessary to process, quote, place, administer, or service insurance coverage, or as otherwise permitted or required by law.
Please do not submit Social Security numbers, complete banking credentials, medical records, or other highly sensitive information through a general website contact form unless Chelsea Insurance Services specifically requests the information through an appropriate secure method.
07 Information Security
We maintain administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, modification, loss, or disclosure. Access to nonpublic personal information is limited to employees, contractors, service providers, and other persons who reasonably need the information to perform legitimate insurance or business functions.
Although no information-security system can guarantee absolute security, we use reasonable safeguards appropriate to the nature and sensitivity of the information we maintain.
08 Former Customers
Our privacy practices concerning nonpublic personal information also apply to former customers to the extent required by applicable law. We may retain information concerning former customers as reasonably necessary for legal, regulatory, insurance, accounting, fraud-prevention, record-retention, and legitimate business purposes.
09 Your Privacy Rights
Depending upon your state of residence and the nature of the information involved, you may have legal rights concerning personal information maintained about you, which may include the ability to:
- Request access to certain personal information
- Request correction of inaccurate information
- Request deletion of certain information
- Request information concerning certain disclosures
- Opt out of certain uses or disclosures where applicable
- Exercise other rights provided under applicable state or federal law
Insurance-specific privacy laws may provide different rights, procedures, or exemptions from generally applicable consumer privacy laws. Privacy requests will be evaluated under the laws applicable to the individual, information, and insurance transaction involved.
10 Website Information Is Addressed Separately
This notice primarily concerns information collected in connection with insurance products, services, and insurance transactions. Information collected through general browsing of our website, cookies, analytics technologies, advertising technologies, and similar online activity is also governed by our Website Privacy Policy and Cookie Policy.
11 Children’s Information
Our insurance services are not directed toward children acting independently as insurance consumers. Information concerning minors may nevertheless be collected when legitimately necessary for an insurance transaction involving a parent, guardian, household, driver, insured person, or other covered individual.
12 Changes to This Notice
We may revise this Insurance Consumer Privacy Notice periodically to reflect changes in our insurance operations, practices, legal requirements, or technology. The “Last Updated” date displayed above identifies the most recent version. Where applicable law requires direct notice of a material change, we will provide that notice using an appropriate method.
13 Contact Us
Questions about this Insurance Consumer Privacy Notice or our handling of insurance-related personal information may be directed to:
d/b/a Chelsea Insurance Services
Firestone, Colorado
Telephone: 720-669-3647
Email: [email protected]
● Important Insurance Notice
Submission of information to Chelsea Insurance Services does not bind insurance coverage. Insurance coverage is effective only when confirmed in accordance with the authority of the applicable insurance company and evidenced by an authorized binder, policy, endorsement, or other insurance document.