Special Insurance Programs for Business
|Innovative Coverage Concepts, LLC (ICCSM) is a Program Manager focused exclusively on the development and delivery of specialized insurance programs for businesses.||
Your Privacy is Important to Us
Business information is information about you and your business. For example, you may provide us with information such as your first and last name, business name, telephone number, and address if you wish to be contacted to discuss your insurance needs.
You may also provide more detailed information to us during your correspondence with us. For example, as part of the quoting and application process, we may need to learn about the operating details of your restaurant, asset valuations (such as building, contents), financial information about your business, employee information, and past loss experience We may also collect this kind information in the process of securing coverage on your behalf, making coverage changes, or addressing claims. From time to time, we may also collect information about you and your business from third parties such as reporting agencies who may provide claim reports or credit information as allowed by law.
Importantly, we do not sell identifiable information to third parties.
What Information Do We Disclose?
Information about our prospective customers, customers, or former customers will only be disclosed in order to conduct our own business activities and then only as permitted by law. We may also need to disclose such information if required by law, a subpoena, or a court order. Information about your business, which we have collected, is maintained in your policy, claims or other client-specific records. We use this Information to process and service your policy and manage claims, or with your consent, or as directed by you. We may also disclose it to persons or organizations as necessary to perform transactions you request or authorize.
For example, we may need to exchange information about you with our representatives, carriers, investigators, appraisers, attorneys, and other persons who are or will become involved in processing your application and servicing your policy or any claims you may make.
We may also share your Information for other permitted purposes, including:
We restrict access to identifiable information about you and your business to those employees or consultants whom we have determined need to know that information to provide products or services to you.
A Special Note about Online Requests for Quotes:
When you complete an online request for a quote, information is collected to help us offer you proper coverage. If you have recently completed an online request for a quote, your name will remain in our quotation system database. If you have shown interest in obtaining a quote in the past you may receive a courtesy reminder when your current policy approaches the renewal date. As part of providing you with an actual quotation, ICC may request credit information in accordance with applicable state law and confirm your claims history.
How We Communicate with You
If you have provided us with your e-mail address, ICC may use your e-mail address from time to time to let you know about new services, and to confirm completion of transactions, unless you request that we not communicate with you by e-mail.
Third Party Websites
In the event that ICC or any of its assets are acquired by a third party, Business Information or other information collected by us may be one of the assets transferred.
Need More Information?
Interested in learning more?
Call us toll free at 866-577-7007