Privacy Policy

Section 1Overview & Gramm-Leach-Bliley Act (GLBA) Notice

This Privacy Policy explains how Associated Insurance Agency collects, uses, protects, and discloses personal information and Non-public Personal Financial Information (NPI) obtained through our website (https://aia-danbury.com), online quote tools, telephone calls, electronic mail, and in-person consultations.

Under Title V of the Gramm-Leach-Bliley Act (GLBA) and Connecticut Insurance Department privacy regulations, financial institutions including licensed insurance agencies are required to disclose their privacy policies and practices to consumers.

Section 2Information We Collect

To evaluate your insurance risk and obtain accurate premium proposals from our carrier partners, we collect various categories of information:

Section 4How We Use Your Information

We use the collected information strictly for legitimate insurance brokerage operations:

• Shopping Rates: Submitting preliminary risk data to licensed insurance carriers to compare policy premiums and terms on your behalf.
• Policy Servicing: Assisting you with policy changes, adding drivers or vehicles, certificate of insurance (COI) issuance, and billing inquiries.
• Direct Communication: Contacting you by phone, email, text message, or postal mail regarding your requested quotes, active policies, and renewal reviews.
• Fraud Mitigation: Protecting our systems against automated spam, fraudulent submissions, and unauthorized access.
• Legal Compliance: Complying with Connecticut state insurance licensing requirements, audit mandates, and regulatory oversight.

Section 5Information Sharing & Disclosures

As an independent agency, AIA shares your information solely with parties necessary to complete your insurance transactions:

• Insurance Carriers & General Agencies: To obtain competitive quotes, underwrite policies, and bind coverage (e.g., Safeco, Travelers, Progressive, The Hartford, Foremost, Guard, etc.).
• Consumer Reporting Agencies: Authorized underwriting carriers may request motor vehicle reports (MVR) and Comprehensive Loss Underwriting Exchange (C.L.U.E.) reports to calculate final rates.
• Service Providers: Secure technology vendors who host our website, agency management systems, or document storage under strict contractual confidentiality duties.
• Legal & Regulatory Authorities: In response to valid subpoenas, court orders, or official inquiries by the Connecticut Insurance Department.

WE DO NOT SELL, RENT, OR TRADE YOUR PERSONAL INFORMATION TO THIRD PARTIES FOR COMMERCIAL ADVERTISING.

Section 6Cookies & Automated Technical Data

Our website uses standard session cookies and security tokens to ensure proper navigation and prevent fraudulent submissions. We do not use intrusive cross-site tracking pixels or invasive third-party behavioral profiling cookies.

You can set your browser to refuse cookies; however, certain interactive form features may not function as intended without session cookies enabled.

Section 7Safeguards & Data Security

AIA maintains physical, electronic, and procedural safeguards in compliance with federal GLBA standards and the Connecticut Data Privacy Act (CTDPA). These safeguards include SSL/TLS encryption for all website communications, firewall protections, restricted agent access controls, and secure agency management software.

While we employ robust security measures, no data transmission over the Internet or electronic storage can be guaranteed 100% secure. We encourage you to use caution when transmitting sensitive records.

Section 8Record Retention Requirements

Insurance agencies are subject to specific record retention regulations enforced by the Connecticut Insurance Department and federal authorities. We retain policyholder records, quote applications, and communications for the statutory periods mandated by state insurance law (typically a minimum of five to seven years following policy expiration or cancellation).

Section 9Your Privacy Rights & Choices

Depending on your jurisdiction and subject to statutory insurance recordkeeping requirements, you have the right to:

• Request access to review personal information maintained in your active customer file.
• Request corrections to any inaccurate, outdated, or incomplete information.
• Opt out of promotional communications at any time (via email unsubscribe links or texting STOP).

Section 10Children's Privacy (COPPA)

Our website is intended for adult consumers and commercial business owners. We do not knowingly collect personal information online from children under the age of 13. If you believe a child has provided us with personal information, please contact us immediately so we can remove the data.

Section 11Changes to this Privacy Policy

AIA reserves the right to amend or update this Privacy Policy periodically to reflect changes in our practices or applicable legal mandates. Revisions become effective upon posting to this page with an updated "Last Updated" timestamp.