KGIB, Inc., dba: Knox General Insurance Brokers ("Knox," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit kgibinc.com (the "Site") or interact with our services.
By using the Site, you agree to the collection and use of information in accordance with this policy.
Information We Collect
Information you provide to us
When you contact us, request a quote, or submit a form, we collect:
- Name, email address, phone number, and mailing address
- Business information (company name, type of business, number of employees, payroll, location)
- Insurance-related information (existing coverage, claims history, policy details, drivers, vehicles, properties)
- Any other information you choose to provide in messages or quote forms
Information collected automatically
When you visit the Site, we automatically collect:
- IP address, browser type, operating system, and device information
- Pages viewed, time spent on pages, and referring URLs
- Cookies and similar tracking technologies used by Google Analytics
Information from third parties
We may receive information about you from insurance carriers, public records, motor vehicle records, claims databases (such as CLUE and A-PLUS), and credit reporting agencies as part of preparing quotes or servicing policies.
How We Use Your Information
We use the information we collect to:
- Provide insurance quotes and shop coverage across our appointed carriers
- Communicate with you about quotes, policies, claims, renewals, and service updates
- Process and service insurance policies you obtain through us
- Comply with insurance laws, regulatory requirements, and carrier obligations
- Improve the Site and our services
- Detect and prevent fraud or unauthorized activity
- Respond to inquiries and provide customer support
How We Share Your Information
We share information with:
- Insurance carriers and underwriters with whom we are appointed, for the purpose of quoting and placing coverage on your behalf
- Service providers that help us operate our business, including hosting providers (Vercel), email services (Resend), database services (Supabase), and analytics providers (Google Analytics)
- Regulatory authorities, law enforcement, or courts when required by law, subpoena, or to protect our rights
- Other parties with your consent or at your direction
We do not sell your personal information.
Cookies and Analytics
The Site uses cookies and similar technologies to operate properly and to help us understand how visitors use the Site. We use Google Analytics to collect aggregated, anonymous data about Site usage. You can disable cookies through your browser settings or opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.
Data Retention
We retain personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce agreements. Insurance industry record-retention requirements typically require us to maintain client records for at least seven (7) years after the end of the business relationship. Inquiries that do not result in a policy are typically retained for shorter periods, unless retention is required by law.
Data Security
We implement reasonable administrative, technical, and physical safeguards to protect personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
Your Rights
Depending on where you reside, you may have certain rights regarding your personal information, including the right to:
- Request access to the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your personal information, subject to legal retention requirements
- Opt out of certain data uses
- Withdraw consent where processing is based on consent
To exercise these rights, contact us at contact@kgibinc.com. We will respond within the timeframes required by applicable law.
California Privacy Rights
California residents have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including the rights described above and the right to know what categories of personal information we collect. We do not sell or share personal information for cross-context behavioral advertising. To make a request, contact us at contact@kgibinc.com.
Children's Privacy
The Site is not directed at children under 13, and we do not knowingly collect personal information from children under 13. If we learn that we have collected such information, we will delete it.
Third-Party Links
The Site may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.
Changes to This Policy
We may update this Privacy Policy from time to time. The most current version will always be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.
Contact Us
If you have questions about this Privacy Policy or our data practices, contact us at: