Navisure Insurance Group Website Privacy Policy

At Navisure Insurance Group, LLC ("Agency," "we," "us," or "our"), protecting your privacy and safeguarding your personal and business data is a primary business imperative. This Privacy Policy outlines how we collect, use, disclose, and secure your personal information when you visit our website, submit an online lead or quote form, or engage our insurance services. We operate in strict adherence to the federal Gramm-Leach-Bliley Act (GLBA) and the privacy regulations enforced by the Michigan Department of Insurance and Financial Services (DIFS) under Chapter 5 of the Michigan Insurance Code

1. Information We Collect

To provide accurate insurance quotes, underwrite policies, and service your accounts, we collect Nonpublic Personal Information (NPI). This data is gathered from the following sources:

  • Information You Directly Provide: Name, physical address, phone number, email address, date of birth, driver’s license number, social security number, and specific personal, property, or commercial business details submitted through our website, online quoting tools, or digital lead capture forms. This includes operational child care facility details (such as state child care license types—DF Family Home, DG Group Home, or Center licenses—and current enrollment capacities) provided when requesting a coverage review.

  • Information from Third Parties: Motor vehicle reports (MVR), loss history and claims reports (e.g., C.L.U.E. reports), property inspection records, and credit-based insurance scores provided by consumer reporting agencies, strictly as permitted by Michigan and federal law.

  • Website and Digital Usage Data: IP addresses, browser types, and cookies utilized to maintain website functionality, store user preferences, analyze traffic, and enhance your user experience.

2. How We Use Your Information

We utilize your Nonpublic Personal Information exclusively for legitimate, lawful business purposes, including:

  • Evaluating coverage eligibility, generating accurate insurance quotes, underwriting policy risks, and binding coverage with partner carriers.

  • Servicing your active policies, including processing policy endorsements, certificates of insurance, renewal reviews, billing, and claims submissions.

  • Responding to inquiries or coverage check requests submitted via our website, digital ads, or consumer contact portals.

  • Complying with state and federal legal, statutory, auditing, and DIFS regulatory requirements.

3. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties. We disclose your information only as necessary to effect, administer, or enforce a transaction you have requested, which includes sharing with:

  • Insurance Carriers, Underwriters, and Wholesale General Agencies: To obtain competitive quotes, issue policies, and administer claims on your behalf.

  • Authorized Service Providers: Trusted third-party technology vendors who assist in operating our agency (such as our Agency Management System (AMS), comparative rating software, secure cloud hosting, and IT infrastructure providers). These partners are contractually bound to maintain strict confidentiality and data security.

  • Legal and Regulatory Authorities: When required by subpoena, court order, or formal regulatory inquiry by the Michigan Department of Insurance and Financial Services (DIFS) or other authorized governmental bodies.

4. SMS / Text Messaging Policy

If you provide your mobile phone number and opt in to receive SMS text communications regarding your insurance quotes, coverage audits, policies, or claims, standard message and data rates may apply.

No mobile information will be shared with, sold to, or distributed to third parties or affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. All SMS communication is strictly confined to servicing your insurance inquiries and customer relationship.

You may opt out of text message communications at any time by replying STOP to any text message or by contacting us directly at info@navisureus.com

5. Data Security (FTC Safeguards Rule)

We maintain comprehensive physical, electronic, and procedural safeguards that comply with federal standards (including the FTC Safeguards Rule) and Michigan state data security mandates to protect your Nonpublic Personal Information against unauthorized access, loss, or alteration. Internal access to your personal information is strictly restricted to licensed producers, customer service representatives, and authorized staff who require that data to administer your insurance products and services

6. Your Rights and Opt-Out Provisions

Under the Gramm-Leach-Bliley Act (GLBA) and Michigan DIFS regulations, consumers have the right to opt out of having their NPI shared with non-affiliated third parties for marketing purposes. Because Navisure Insurance Group only discloses information to non-affiliated third parties to procure insurance coverage, service existing policies, and process claims (all of which are statutory exceptions under the GLBA), your data is never sold or utilized for third-party marketing, and no opt-out action is required to prevent such dissemination

7. Contact Us

If you have questions regarding this Privacy Policy, our agency data protection practices, or how your Nonpublic Personal Information is handled, please contact our office:

  • Agency Name: Navisure Insurance Group, LLC

  • Email: info@navisureus.com

  • Phone: (616) 326-3344

  • Mailing Address: PO Box 2737, Grand Rapids, MI 49501-2737

  • Website: https://www.navisureinsurancegroup.com