Welcome to www.solutionsspecialty.com! Professional approach to insurance needs

Important privacy notice regarding your non-public personal information. At Solutions Specialty Insurance Brokers, we know the importance of respecting your privacy and maintaining your trust. We have provided this notice explaining our information practices and the choices you can make about the way your information is collected and used.

The Information We Collect:
This notice applies to all information collected or submitted on our website www.solutionspecialty.com or submitted directly to us via fax, email, mail, or any other way. In order for us to obtain or service the insurance products that you ask for from us, we may collect personal information from you, as well as from others.

Personal information includes any identifying information, such as:

Your name, address, e-mail address, phone number, fax number;
Age, date of birth, marital status, occupation, social security number, assets, income, financial statements and beneficiaries;
Claim history, driving record, professional license number and status, vehicle make and model, license number, lender and/or lease information;
Credit history, credit standing, policy coverage, premiums, and payment history;
Any lawful data for underwriting purposes;

We collect your personal information from:

You in person, by telephone, over the phone, via fax;
Forms you submit to us, such as applications, claims, other quotes and policy updates
Your business dealings with us and with other companies;
Consumer reporting agencies;
The DMV to verify driving record, auto title, or license status;
Claim databases, such as Comprehensive Loss Underwriting Exchange( CLUE report)

How we use and disclose personal information. We use the information you provide about yourself to underwrite the insurance policies and/or surety bonds, you are interested in. If you become a customer, we may use this information to market your policies/bonds to other carriers from time to time. We share the information you provide with insurance companies, credit bureaus and other parties, as described below. However, we do not sell personal information or customer lists to anyone for marketing. We only disclose information about you as allowed or required by law. In those instances, we may disclose personal information without your prior consent.

We may disclose personal information to:

Insurance Companies, Surety Companies, MGA’s, Insurance Wholesalers, and insurance agents or brokers;

Premium finance companies or other service providers that help process or service your account;

A court, governmental or regulatory agency when there is a lawful request;

Department of Motor Vehicles and other public agencies in regards to insurance filings or any related transactions;

Law enforcement to protect against fraud or unauthorized transactions.

Our Commitment To Data Security To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect from you. All discarded paper containing personal information is placed inside a secured and locked bin which is later properly shredded by a specialized service provider.
Our Commitment To Children's Privacy Protecting the privacy of the very young is especially important. No part of our website is structured to attract anyone under 16 and we do not maintain information about our customer's children beyond that necessary to process insurance transactions.
Consumer Reports Most insurance companies utilize consumer reports in the underwriting and pricing of their products. The use of motor vehicle driving records (MVR's) is common for both personal and business automobile insurance underwriting. Insurance companies also share information with each other about claims and we may obtain your prior claim history for the type of insurance you apply for. Many insurance companies also use business and consumer credit information because insurance companies have found that clients with good credit ratings are better risks. The use of driving records and consumer credit reports is governed by the Fair Credit Reporting Act.

You Authorize Us to Obtain Consumer ReportsBy completing and submitting the on-line applications for insurance on this site, you agree to allow us to obtain consumer reports, including driving records, prior claim history, and credit reports, for the purposes of underwriting and pricing the insurance products you apply for. If you apply with us for an insurance policy and/or surety bond by fax or mail, you are therefore authorizing us or any insurance company, surety, MGA or Insurance Wholesaler we represent to obtain a copy of your consumer report.
When your policy or surety bond comes up for renewal, we may request a copy of the credit report and may share your personal information with other insurance companies, insurance agents or brokers and underwriters to obtain competing quotes and provide you with better coverage or pricing. If you do not want that to happen, you may “opt-out” as described below;

** IMPORTANT PRIVACY CHOICES **
When your policy or surety bond comes up for renewal, we may share information with other insurance companies, insurance agents or brokers and underwriters to obtain competing quotes and provide you with better coverage or pricing. If you don’t want us to share your information with other parties to obtain competing quotes for better coverage or pricing when your policy renews, you may tell us so. By “opting out”, you instruct us to not share your information with other insurance companies, insurance agents or brokers and underwriters for this purpose. If you wish to opt-out, call us at (323) 771-0777 or write to us to the address listed under “contact us” and instruct us not to share your information. We may share your information if we do not hear from you within 45 days. However, you may opt-out at any time. Just call or write to us. Even if you opt-out, we may still share your information as allowed by law.

Insurance Score If your credit history is used to underwrite or price a policy offered by our agency, then we will receive your consumer report in a summarized fashion commonly called an "insurance score." The insurance score is a compilation of different types of information including your credit history. The insurance score is only a summary of your overall results. We do not see your actual credit report.
Your Agreement to This Policy By using this site, you signify your agreement to privacy policy. If you do not agree to this policy, please do not use this site. We reserve the right, at our discretion, to update, change, modify, add, or remove portions of this policy from time to time. Any changes to this privacy policy will be promptly disclosed in this area.

How To Contact Us Should you have other questions or concerns about these privacy policies, please call Henry Funes at (323) 771-0777or e-mail us at info@solutionsspecialty.com.