Privacy Policy

Introduction

Gulf Region Insurance ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, request a quote, or use our services.

For purposes of this Privacy Policy, references to "we," "our," or "us" include Gulf Region Insurance and its affiliated companies, subsidiaries, and related brands that are under common ownership or control.

By using our website or services, you agree to the collection and use of information in accordance with this Privacy Policy.

Information We Collect

Personal Information

We may collect the following types of personal information:

• Name, email address, phone number, and mailing address
• Property address and property-related details (for insurance quotes)
• Date of birth and occupation
• Insurance history and prior claims information
• Payment information (processed securely through third-party processors)
• Any other information you voluntarily provide to us

Career Application Information

If you apply for a position through our careers page, we collect the information you submit as part of your application, which may include your name, email address, phone number, résumé, employment history, educational background, and any other details you choose to provide. This information is stored securely and used solely for evaluating your candidacy and communicating with you about the hiring process. We do not use career application data for marketing purposes, and we do not share it with third parties except as necessary to facilitate the recruitment process or as required by law.

Automatically Collected Information

When you visit our website, we may automatically collect:

• IP address and browser type
• Device information and operating system
• Pages visited and time spent on pages
• Referring website addresses
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect to:

• Provide insurance quotes and process applications
• Communicate with you about your insurance needs
• Process payments and manage policies
• Respond to inquiries and provide customer support
• Improve our website, platforms, and services
• Comply with legal, regulatory, and licensing requirements
• Send marketing communications where permitted by law or with your consent
• Detect, prevent, and investigate fraud or security incidents

Automated Communications

When you provide your phone number and consent to contact, we may use automated telephone dialing systems, pre-recorded voice messages, and/or text messages to contact you about your insurance inquiry. You can opt out at any time by replying STOP to any text message or calling us directly.

Information Sharing and Disclosure

Affiliates and Related Brands

We may share your information with our affiliates, subsidiaries, and related brands under common ownership or control. This sharing is limited to purposes consistent with this Privacy Policy, including insurance quoting, policy administration, customer service, analytics, technology platform operations, and related business functions.

Insurance Carriers

We may share your information with insurance carriers, managing general agents, or intermediaries for the purpose of obtaining quotes, underwriting risks, issuing policies, and servicing coverage.

Service Providers

We may share information with third-party service providers that perform services on our behalf, such as payment processing, data hosting, analytics, communications, customer support, and technology infrastructure. Named data processors we currently engage include:

• Policybase — our insurance quoting platform. Quote request data (including property details and contact information) is transmitted to Policybase to generate and retrieve coverage estimates.

Legal and Regulatory Requirements

We may disclose information when required to do so by law, regulation, court order, subpoena, or regulatory authority, or when we believe disclosure is necessary to protect our rights, property, or safety.

Business Transfers

In the event of a merger, acquisition, financing, reorganization, or sale of all or a portion of our business or assets, your information may be transferred as part of that transaction.

With Your Consent

We may share your information for other purposes when you have provided your explicit consent.

We do not sell personal information to third parties for their independent marketing purposes.

Data Security

We implement reasonable technical and organizational safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

Your Rights and Choices

Depending on your state of residence and applicable law, you may have the right to:

• Access: Request access to personal information we maintain about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of personal information, subject to legal and regulatory retention requirements
• Opt-Out: Opt out of certain marketing communications
• Data Portability: Request a copy of your information in a portable format

To exercise these rights, please contact us using the information below. We may verify your identity before fulfilling requests, as permitted or required by law.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance functionality, analyze usage, and improve our services. You can control cookies through your browser settings; however, disabling cookies may affect certain features of the website.

To make returning visits easier, we may also store the property addresses you have recently used to start a homeowners or flood quote in your browser’s local storage. The most recent address may be automatically filled into the quote field on these pages so you do not have to retype it. These addresses are kept on your device and are never transmitted to us except when you choose to submit a quote. You can clear the prefilled address using the ✕ inside the quote field, remove individual saved addresses using the ✕ next to each entry in the recent-addresses dropdown that appears when you focus the quote field, or remove all of them at once by clearing your browser’s site data.

Analytics Services

We use the following analytics tools to collect anonymized usage data that helps us understand how visitors interact with our site and improve our services:

• Google Analytics & Google Tag Manager — We use Google Analytics (via Google Tag Manager) to collect anonymized information about page views, session duration, traffic sources, and user interactions. Data is processed by Google in accordance with Google’s Privacy Policy. You may opt out using the Google Analytics Opt-out Browser Add-on.
• Umami Analytics (self-hosted on our own servers — no data is shared with any third party) — We run Umami on our own infrastructure (umami.gulfregionins.com) for privacy-respecting, cookie-free website analytics. Umami collects anonymized aggregate traffic data and does not use cookies or track individual users across sessions.
• Cloudflare Web Analytics — We use Cloudflare Web Analytics to collect anonymized performance and traffic data. Cloudflare does not use cookies for analytics and does not track individual users. Data is processed by Cloudflare, Inc.

Error Monitoring and Session Replay

We use Sentry (sentry.io) for application error monitoring. Sentry may capture session replay recordings to help us reproduce and diagnose errors. Approximately 50% of sessions in which an error occurs may be recorded; additionally, approximately 10% of all sessions are sampled for replay regardless of errors. Replay recordings are processed with all text content masked and all media blocked to minimize exposure of personal information. Replay data is transmitted to and stored by Sentry, Inc. You can learn more about Sentry’s data practices at sentry.io/privacy.

Children's Privacy

Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us so we can take appropriate action.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised "Last updated" date. Continued use of our services after changes become effective constitutes acceptance of the updated policy.

Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us: