Privacy Policy
Effective Date: March 16, 2026
StartupInsurance.ai is a website owned and operated by ContractorNerd Insurance Services, LLC (“we,” “us,” or “our”), a licensed insurance agency with active licenses in all 50 states, located at One Harbor Drive, Suite 300, Sausalito, California 94965. We specialize in helping startup companies identify and secure the commercial insurance coverage they need.
This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you visit our website at startupinsurance.ai (the “Site”) or interact with us through forms, email, phone, or other communications. By using the Site, you agree to the practices described in this Privacy Policy.
1. Information We Collect
We collect information in the following ways:
Information You Provide Directly
When you fill out a contact form, request a quote, subscribe to our newsletter, or otherwise communicate with us, you may provide:
- Full name
- Email address
- Phone number
- Company name and business details
- Industry and business type
- Information related to your insurance needs (e.g., number of employees, revenue, business operations)
- Any other information you choose to provide in messages or form submissions
Information Collected Automatically
When you visit our Site, we automatically collect certain technical information, including:
- IP address
- Browser type and version
- Operating system
- Device type
- Pages visited and time spent on each page
- Referring website or source
- Date and time of your visit
- Click and scroll behavior
This information is collected through cookies, pixels, and similar tracking technologies. See our Cookie Policy for more details.
Information from Third Parties
We may receive information about you from third-party sources, such as insurance carriers, analytics providers, advertising platforms, and publicly available business databases, which we may combine with other information we hold about you.
2. How We Use Your Information
We use the information we collect for the following purposes:
- To respond to your inquiries and provide insurance quotes
- To connect you with appropriate insurance carriers and products
- To process and service insurance applications and policies
- To send you relevant communications, including newsletters, industry updates, and marketing materials (with your consent where required)
- To improve our Site, services, and user experience
- To analyze Site traffic and usage patterns
- To comply with legal and regulatory obligations
- To detect, prevent, and address fraud or security issues
- To enforce our Terms of Use and other agreements
3. How We Share Your Information
We do not sell your personal information. We may share your information with the following categories of third parties:
| Category | Purpose |
|---|---|
| Insurance Carriers & Underwriters | To obtain quotes and bind coverage on your behalf |
| Service Providers | Companies that help us operate our business (e.g., hosting, email, CRM, analytics) |
| Analytics Partners | To understand Site traffic and improve our services (e.g., Google Analytics) |
| Legal & Regulatory | When required by law, regulation, legal process, or government request |
| Business Transfers | In connection with a merger, acquisition, or sale of assets |
All third parties with whom we share personal information are required to protect it in a manner consistent with this Privacy Policy and applicable law.
4. Your Privacy Rights
California Residents (CCPA/CPRA)
If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):
- Right to Know: You may request that we disclose the categories and specific pieces of personal information we have collected about you, the sources of that information, the purposes for collection, and the categories of third parties with whom we share it.
- Right to Delete: You may request that we delete the personal information we have collected from you, subject to certain exceptions.
- Right to Correct: You may request that we correct inaccurate personal information.
- Right to Opt-Out: You have the right to opt out of the sale or sharing of your personal information. We do not sell your personal information.
- Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.
To exercise these rights, contact us at [email protected] or call us at the number listed below. We will verify your identity before processing your request and respond within 45 calendar days.
Other State Privacy Laws
Residents of other states with comprehensive privacy laws (including Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, and others) may have similar rights under their respective state laws. To exercise any applicable rights, please contact us using the information below.
5. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, including to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Insurance-related records may be retained for the period required by applicable state insurance regulations, which may extend beyond the termination of any policy.
6. Data Security
We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, alteration, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
7. Third-Party Links
Our Site may contain links to third-party websites, including insurance carrier portals, partner sites, and social media platforms. We are not responsible for the privacy practices of these third parties. We encourage you to review the privacy policies of any third-party sites you visit.
8. Children’s Privacy
Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected personal information from a child, we will take steps to delete it promptly.
9. Do Not Track Signals
Some browsers transmit “Do Not Track” (DNT) signals. At this time, our Site does not respond to DNT signals. However, you may manage your cookie preferences as described in our Cookie Policy.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, or legal requirements. When we make material changes, we will update the “Effective Date” at the top of this page. We encourage you to review this Privacy Policy periodically.
11. Contact Us
ContractorNerd Insurance Services, LLC
d/b/a StartupInsurance.ai
One Harbor Drive, Suite 300
Sausalito, California 94965
Email: [email protected]