Privacy Policy

Last updated: June 1, 2025

LOZ Insurance, a division of Contractors Choice Agency ("we," "us," or "our"), operates the website at lozinsurance.com. This Privacy Policy explains how we collect, use, disclose, and protect information about you when you visit our website or contact us for insurance services.

1. Information We Collect

We collect the following types of information:

Information You Provide Directly

  • Contact forms: When you submit a quote request or contact form, we collect your name, email address, phone number, and any other information you provide, including property details, boat descriptions, and coverage questions.
  • Communications: If you contact us by email or phone, we may retain records of those communications.

Information Collected Automatically

  • Log data: Our servers and hosting provider automatically collect information including your IP address, browser type, referring URL, pages visited, and time of visit.
  • Cookies: We use cookies and similar tracking technologies to operate and improve our website. See Section 5 for details.
  • Analytics: We use analytics tools (such as Google Analytics) to understand how visitors use our website. These tools collect information in aggregate and may set their own cookies.
  • UTM parameters: We track URL parameters (utm_source, utm_medium, etc.) to understand which marketing channels drive visitors to our site.

2. How We Use Your Information

We use the information we collect to:

  • Respond to your inquiries and provide insurance quotes
  • Contact you about your insurance coverage needs and policy options
  • Improve our website and services
  • Understand which marketing channels are most effective
  • Comply with legal obligations
  • Prevent fraud and ensure the security of our services

We will not sell your personal information to third parties. We do not use your information for purposes materially different from those described in this Privacy Policy without your consent.

3. How We Share Your Information

We may share your information with:

  • Insurance carriers: When you request a quote, we share relevant information with insurance carriers and underwriters in order to obtain coverage options for you. This is the core purpose of an insurance agency.
  • Service providers: We use third-party service providers to operate our website, process form submissions (Netlify), and analyze website traffic (Google Analytics). These providers have access to information only as necessary to perform their services and are contractually obligated to protect it.
  • Legal requirements: We may disclose information if required by law, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
  • Business transfers: If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change.

4. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required by law. Contact form submissions and quote requests are retained for a minimum of 3 years to support insurance-related business operations. You may request deletion of your information at any time (see Section 7).

5. Cookies

Our website uses cookies — small text files stored on your device by your browser — to improve functionality and understand usage patterns. We use:

  • Essential cookies: Required for the website to function properly.
  • Analytics cookies: Used by Google Analytics to understand how visitors interact with our site. You can opt out of Google Analytics tracking at tools.google.com/dlpage/gaoptout.

Most browsers allow you to control cookies through their settings. Disabling certain cookies may affect website functionality.

6. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier websites and resource links. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

7. Your Rights and Choices

You have the following rights regarding your personal information:

  • Access: You may request a copy of the personal information we hold about you.
  • Correction: You may request correction of inaccurate information.
  • Deletion: You may request deletion of your personal information, subject to legal retention requirements.
  • Opt-out of communications: You may opt out of marketing communications at any time by contacting us directly.

To exercise these rights, contact us at josh@contractorschoiceagency.com or 844-967-5247.

8. Children's Privacy

Our website is not directed to children under 13 years of age. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal information from a child under 13 without parental consent, we will take steps to delete that information.

9. Security

We implement reasonable technical and organizational measures to protect your personal information against unauthorized access, disclosure, alteration, or destruction. Our website uses HTTPS encryption for data transmission. However, no Internet transmission is completely secure, and we cannot guarantee absolute security.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page with a revised "last updated" date. Your continued use of our website after changes are posted constitutes your acceptance of the updated policy.

11. Contact Us

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