Here's the unfortunate truth about your online privacy
If you arrived at our website through the use of a search engine like G, B or Y...You've already given up your online privacy long before you arrived here. You'll read below that we don't share or sell the information you give to us, but the fact that you clicked on an insurance website dooms you to being harrassed by the same nice folks at G, B or Y that brought you here, with ads and pop-ups regarding insurance from lizard critters, cartoon military leaders, that Mayhem guy and J.K. Simmons even our carrier affiliated spokesgirl Flo, but what that won't tell you is they didn't get your name from us. You can feel good about giving your information to us, because we're not some call center located in Fiji, we're a brick and mortar insurance agency located right here in Florida for over 32 years, with Florida employees and an interest only in insuring Floridians. So while the rest of the known insurance world descends onto your mobile device for visiting us, and any other insurance websites you end up visiting today, know that no company wants your business more or will work harder to help you get the best policy and lowest rate than the Ace Underwriting Group. No cartoon, crustation, or Hollywood celebrity will work harder for you than we will in getting you the best coverage at a price you can afford. Now...Onto our Privacy Policies:
Your Privacy and the protection of your personal and business information is taken seriously and we've established many safety and security protocols to protect your personal information we collect in our normal course of business. Insurance is very invasive when it comes to the information required to accurately rate and protect your specific risk situation and the information we gather can be sensitive and confidential. While we only delve into the details that are required to identify and underwrite risks that pertain to your specific needs, Ace Underwriting Group will never sell, distribute to a third party or otherwise use the information we gather, for any purpose other than to market your specific insurance needs and continuously attempt to obtain the most cost effective methods of protection available now and into the future. Your information is never shared with competitor agencies, telemarketers or other outside organizations except as discussed below, to underwrite, quote and place a policy of coverage with our insurance carriers or brokers used to access insurance markets on your behalf.
This privacy policy sets out how Ace Underwriting Group, Inc uses and protects any information that you give Ace Underwriting Group, Inc. when you use this website.
Ace Underwriting Group, Inc. is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.
Ace Underwriting Group, Inc. may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 07/31/2009 and was at the latest updated on 10/08/2021.
What we collect
We collect the information, specific to identifying your personal or business risk profile and related to the underwriting of an insurance quote for the purpose of providing adequate and reliable coverage against those risks using various insurance and other products that meet your needs. While your information is private and we hold that information in the strictest confidence possible, we do share your information with our insurance carriers and various brokers used to access the full range of insurance products available, to the extent required to obtain quotations and ultimately a policy of insurance, from a carrier that meets your specific coverage and premium requirements. We are not in control of, and therefore not responsible for, the use and protection of your personal information once shared with an insurance carrier or broker used to access each insurance carrier on your behalf. Each carrier and/or broker we utilize is responsible for the protection of your personal information once we transfer that information for the purpose of quoting or placing a policy with that insurance market.
What we do with the information we gather
We require your personal or business information to provide the most accurate insurance quote possible. The more information we gather in this regard, and the more accurate that information is to the carrier, the more accurate your quoted rates on policies issued will be. All information we submit on your behalf to an insurance market is subject to review and verification by the insurance carrier or broker used to access the carrier. Such review can be made after the policy is purchased, or at the end of the policy period if the policy is subject to an audit provision regarding the basis for the policy. This verification can be through the use of third party reports from various sources, such as (but not limited to) Motor Vehicle Records, Accident Reports, Comprehensive Loss Underwriting (CLU) reports, Payroll Records and other government and private sector reporting facilities and companies and are as commonly utilized in the business of insurance.
WARNING: Florida Law protects the insurance industry from misrepresentation and Fraud: Knowingly providing inaccurate or false statements of information to a licensed insurance agency (Like Ace Underwriting Group and it's employees) for the purpose of obtaining an insurance policy under false or misleading pretenses is a Felony in Florida. This includes (but is not limited to) disclosure of all household members residing in your household, regardless of their age, relationship or driving status when requested by one of our employees. Misrepresentation of your personal or business information is a serious issue and can result in the flat cancellation of any insurance policy issued, denial of any and all claims made under said policy for misrepresentation of your risk to the insurance carrier and can subject you to prosecution for Felony Insurance Fraud. Any attempt to cover losses already occurring, damages from previous loss or pre-existing defects or damage by attempting to insure post facto or "after the fact" of an uncovered loss will be immediately reported to the Florida Department of Financial Services Fraud Bureau for investigation and prosecution. Ace Underwriting Group will not knowingly allow such conduct from its customers or clients and will assist in such prosecution accordingly.
Security
We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.
Links to other websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over other websites. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible, at 3351 Hollywood Boulevard, Hollywood, FL 33021 or service@underwriting.com. We will promptly correct any information found to be incorrect.
Special Statement about use and collection of your SSN:
Most insurance companies offer discounts for good credit. In order to assure the lowest possible Auto, Boat, Motorcycle, Personal Watercraft, or RV insurance premium for you, please provide your Social Security Number. Your SSN is not required to obtain a quote, however if you provide this information, we will attempt to apply the good credit discount to your quote, which can be substantial if you qualify. The good credit discount is rarely an "all or nothing" discount and applies to most customers with all types of credit ratings in some form or another on a sliding scale depending on your credit score. Various insurance markets use your credit score to help lower your insurance premium, and the best and lowest rates usually include the maximum good credit discount. However, if you do not provide your SSN, we will obtain a quote without the good credit discount, but this will subject you to the rates used by the carrier for those with little or no credit and may artificially cause your quoted and actual rates to be higher than could be available with the good credit discount. By entering your Social Security Number, you authorize Ace Underwriting Group, Inc. and its Insurance Carriers to access your credit records for the purpose of underwriting an insurance quotation as allowed under the Federal Fair Credit Reporting Act. Further information regarding this practice is available from any of our licensed insurance representatives via our e-mail at: service@underwriting.com or via telephone at: (800) 368-4227.