Privacy Policy
Effective Date: May 2, 2026
Last Updated: May 2, 2026
Prime Harbor Insurance, LLC, doing business as Prime Harbor Insurance (“Prime Harbor,” “we,” “us,” or “our”), respects your privacy and is committed to protecting the personal information you share with us.
This Privacy Policy and Consumer Privacy Notice (“Policy”) explains how we collect, use, disclose, protect, and retain personal information when you visit our website, submit a quote or application request, communicate with us, use our forms or quote-intake tools, call us, text us, email us, use our chat tools, or otherwise interact with Prime Harbor Insurance.
This Policy applies to information collected through:
primeharborinsurance.com and any related subdomains
Online quote-intake forms, quizzes, surveys, and applications
Phone calls, including recorded calls, voicemails, and call transcripts
Text messages, SMS communications, and email communications
Chat widgets, voice AI tools, and conversational interfaces
Customer relationship management (CRM) systems and policy management tools
Insurance carrier, rating, application, and underwriting workflows
Advertising, analytics, retargeting, and website tracking technologies
Offline communications, in-person meetings, and service requests
Prime Harbor Insurance, LLC is a Louisiana-licensed independent insurance agency. We help consumers review insurance options including auto insurance, renters insurance, final expense insurance, and other personal and commercial insurance products where carrier appointments and licensing permit.
Business Information
Legal Entity: Prime Harbor Insurance, LLC
Friendly Name: Prime Harbor Insurance
Website: primeharborinsurance.com
Phone: 504-949-4760
General Email: [email protected]
Privacy and Legal Email: [email protected]
Privacy Inquiries Email: [email protected]
Claims Email: [email protected]
Business Address: 900 Camp St, STE 3 STE 1272, New Orleans, LA 70130
Resident License State: Louisiana
Agency National Producer Number (NPN): 18388732
BBB Status: BBB Accredited, A+ Rating
1. Information We Collect
We collect information that you provide directly, information created through your interactions with us, and information from third parties when needed to provide insurance services.
A. Identification and Contact Information
Full legal name and any prior names
Mailing address, garaging address, or property address
Email address
Phone number(s)
Preferred contact method and best time to contact you
Date of birth
Communication history and notes
B. Quote and Application Information
When you request an insurance quote, begin a quote-intake quiz, complete an application, or request coverage assistance, we may collect information needed to review your request. This may include:
Driver information including name, date of birth, gender, education level, and marital status
Driver license type, status, and license state (we do NOT collect full driver license numbers through our website forms)
Vehicle year, make, model, body style, primary use, ownership status, garaging ZIP, and Vehicle Identification Number (VIN) when provided
Household driver and resident details
Current and prior insurance carrier, coverage limits, and policy continuity status
Coverage preferences and budget considerations
Claims history and accident or violation history
Property information for renters or homeowners coverage
Business or commercial use information, where applicable
Final expense eligibility information including age, tobacco use, and basic underwriting indicators
Beneficiary or household information for life and final expense products
Other information reasonably needed to prepare, review, submit, service, or discuss an insurance quote or application
2. Sensitive Information We Intentionally Do Not Collect On Our Website
To protect your privacy, Prime Harbor Insurance does NOT collect the following information through public website forms, quizzes, or chat widgets:
Social Security Numbers
Full driver license numbers
Full payment card numbers
Bank account or routing numbers
Detailed medical records or protected health information (PHI)
If any of the above information is required to complete a quote, application, or policy transaction, it will be collected through a secured carrier portal, by phone, or through a separately authenticated process.
C. Limited Health and Eligibility Information
For final expense insurance and other life-related products, we may collect limited eligibility information. This may include basic age, tobacco use, height, weight, general eligibility responses, and other information required by a carrier, rater, or application process.
Detailed health information, medical records, and protected health information are not collected through public website forms. When required for a specific carrier transaction, such information is handled through carrier-approved processes that may include secure portals, telephone interviews, or carrier-direct applications.
D. Payment and Policy Information
We may collect or receive information about:
Policy numbers and quote reference numbers
Billing preferences and payment frequency
Premium amounts and payment status
Policy effective dates, renewal dates, and lapse or cancellation status
Carrier correspondence and policy documents
Service requests and endorsements
Prime Harbor uses carrier-approved payment processes. Do NOT submit full payment card information, bank account numbers, or routing numbers through general website contact forms, email, text message, or chat.
E. Communications, Calls, and Recordings
All phone calls with Prime Harbor Insurance may be recorded.
We may collect:
Call recordings and voicemails
Call transcripts and voice AI interaction records
Text message records and chat transcripts
Email correspondence
Notes from conversations and meeting summaries
We use these records for quality assurance, training, documentation, service, compliance, dispute resolution, fraud prevention, and customer support.
F. Website, Device, Analytics, and Advertising Information
When you visit our website, we may collect:
IP address, browser type, operating system, and device type
Pages viewed, links clicked, and time spent on pages
Form-start, form-completion, and form-abandonment events
Quote button clicks and call button clicks
Referring source and search keywords where available
Location signals inferred from device, browser, or IP data
Cookie identifiers, advertising identifiers, and analytics identifiers
We may use tools such as Google Tag Manager, Google Analytics, Google Ads tags and conversion tracking, Meta Pixel, CRM tracking scripts, call tracking services, chat widgets, and similar technologies.
3. How We Use Information
We may use personal information for the following purposes:
Respond to quote and information requests
Prepare, review, and submit insurance quotes and applications
Submit information to insurance carriers, raters, and underwriting platforms
Verify information needed for underwriting, eligibility, or service
Contact you by phone, text, email, chat, or mail about your insurance request
Service active policies and assist with claims questions
Send reminders, follow-ups, renewal notices, and review requests
Send educational insurance information and product updates
Cross-sell or offer related coverage where permitted by law
Improve our website, forms, quote-intake process, and customer experience
Maintain CRM records, policy management records, and audit trails
Train staff and improve call quality
Prevent fraud, unauthorized access, identity theft, or misuse
Comply with legal, regulatory, carrier, licensing, and contractual obligations
Measure advertising performance, analytics, and marketing effectiveness
4. How We Share Information
We may share information with third parties when needed to provide insurance services, operate our business, comply with law, or support customer requests.
A. Insurance Carriers and Insurance Partners
We may share your information with insurance carriers, underwriting teams, rating platforms, brokerage partners, general agencies, IMOs, FMOs, MGAs, and other insurance-related partners when necessary to quote, apply for, issue, service, renew, or manage insurance coverage.
B. Service Providers
We may share information with vendors and service providers that help us operate the business, including:
CRM and customer database providers
Website hosting, security, and infrastructure providers
Form, quiz, and survey tools
Email, SMS, and communications platforms
Voice AI, chat AI, and conversational tools
Call recording and phone system providers
Analytics and advertising platforms
Payment processors and billing platforms
Document storage, e-signature, and file-sharing providers
Compliance, legal, accounting, and professional service providers
These providers are expected to use information only as needed to provide services to Prime Harbor Insurance, subject to confidentiality obligations and applicable law.
C. Legal, Compliance, and Safety Reasons
We may disclose information when we believe it is necessary to:
Comply with law, regulation, subpoena, court order, or government request
Respond to insurance regulators, carriers, or licensing authorities
Protect our rights, property, customers, agency, systems, or business operations
Prevent fraud, abuse, unauthorized access, or illegal activity
Enforce our terms, agreements, or policies
D. Business Transfers
If Prime Harbor Insurance is involved in a merger, acquisition, sale, restructuring, transfer of assets, or similar business transaction, customer information may be transferred as part of that transaction, subject to applicable law.
We do NOT sell your personal information for monetary consideration.
California, Colorado, Connecticut, Utah, Virginia, Texas, Oregon, and other state residents: see Section 11 for additional rights and disclosures applicable in your state.
5. Consumer Financial Privacy and Nonpublic Personal Information
Because Prime Harbor Insurance provides insurance-related financial services, certain information we collect may be considered nonpublic personal information under the Gramm-Leach-Bliley Act (GLBA) and applicable state insurance privacy regulations.
We may collect nonpublic personal information from:
Applications, quote requests, and intake forms
Forms, surveys, and online quote-intake tools
Your transactions with us, our affiliates, or insurance carriers
Consumer reporting agencies and verification sources, where permitted by law
Insurance carriers, underwriting systems, and service providers
Communications with you, including recorded calls and chat transcripts
We use and disclose this information only as needed to provide insurance services, service policies, comply with legal or regulatory requirements, prevent fraud, or operate our business consistent with GLBA, state insurance privacy regulations, and other applicable laws.
To request additional information about our financial privacy practices, contact [email protected].
6. Text Messaging, Phone Contact, and TCPA Consent
By submitting a quote request, application request, contact form, quiz, survey, or other inquiry through our website or any Prime Harbor Insurance channel, you authorize Prime Harbor Insurance to contact you by phone, text message, email, voicemail drop, or other communication method regarding your insurance request and related insurance services.
You understand and agree that:
Your consent is not a condition of purchase of any insurance product or service.
Prime Harbor Insurance may use automated dialing technology, prerecorded messages, or artificial voice technology to contact you at the phone number(s) you provide.
Message and data rates may apply to text communications.
Message frequency varies based on your insurance status and engagement.
You may opt out of marketing text messages at any time by replying STOP. You may request help by replying HELP or contacting us at [email protected].
Opting out of marketing text messages does not prevent Prime Harbor Insurance from contacting you when legally permitted or necessary for servicing existing policies, transactional matters, compliance, claims-related matters, or fraud-prevention purposes.
This consent satisfies the requirements of the Telephone Consumer Protection Act (TCPA) and analogous state laws.
7. Call Recording Notice
All phone calls with Prime Harbor Insurance may be recorded.
By continuing a call with us after notice of recording, you consent to the recording where consent is required by federal or state law.
Call recordings may be used for:
Quality assurance and agent training
Documentation of customer requests and authorizations
Customer service and dispute resolution
Quote and application review
Compliance with insurance regulatory and carrier requirements
Fraud prevention and verification
Legitimate business operations
If you do not wish to be recorded, you may discontinue the call and contact us in writing at [email protected] or [email protected].
8. Cookies, Analytics, Advertising, and Tracking Technologies
Prime Harbor Insurance may use cookies, pixels, tags, scripts, web beacons, and similar technologies to operate the website, measure performance, improve user experience, and support advertising.
These technologies may help us understand:
Which pages and content visitors view
Which buttons and forms visitors interact with
Which quote flows are started, completed, or abandoned
Which advertising sources or search results led visitors to the website
How visitors interact with forms, quizzes, and conversion paths
How to measure and improve marketing effectiveness
We may use services such as Google Analytics, Google Tag Manager, Google Ads conversion tracking and remarketing, Meta Pixel and Meta advertising tools, CRM and call tracking services, chat and voice AI tools, and similar technologies.
You can control cookies through your browser settings. Some website features may not function properly if certain cookies are disabled. You may also exercise opt-out preferences through our cookie consent banner where applicable.
For more information, see our Cookie Policy.
9. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, misuse, alteration, or destruction.
These safeguards may include:
Encryption of data in transit using TLS/HTTPS protocols
Access controls, role-based permissions, and password protection
Multi-factor authentication for sensitive systems
Bot mitigation, rate limiting, and form security tools including CAPTCHA
Vendor security review and contractual data protection requirements
Data minimization principles in form and intake design
Internal procedures, training, and access logging
No website, CRM, phone system, email platform, text platform, or internet transmission can be guaranteed completely secure. You should not submit highly sensitive information through general contact forms, unsecured email, text message, or chat unless specifically instructed through a secure process.
10. Data Retention
We retain personal information for as long as reasonably necessary to:
Respond to your request and provide insurance services
Maintain quote, application, policy, and communication records
Comply with carrier, regulatory, legal, tax, and licensing obligations
Resolve disputes and enforce agreements
Prevent fraud and protect our business operations
Retention periods may vary depending on the type of information, insurance product, carrier requirements, licensing obligations, and applicable law. Insurance records are typically retained for a minimum of seven (7) years from policy termination, and may be retained longer where required by carrier contracts, state insurance regulations, or other applicable law.
11. Your Privacy Rights and Choices
Depending on your state of residence, you may have specific rights regarding your personal information. Prime Harbor Insurance honors verified consumer privacy requests as required by applicable law.
A. Universal Choices Available to All Consumers
All consumers may contact us to:
Request access to certain information we maintain about you
Request correction of inaccurate information
Request deletion where legally available and not subject to retention requirements
Opt out of marketing emails using the unsubscribe link or by contacting us
Opt out of marketing text messages by replying STOP
Ask questions about our information-sharing practices
Request that we limit certain non-essential marketing communications
B. California Residents (CCPA / CPRA)
California residents have the following rights under the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA):
Right to Know what personal information is collected, used, shared, or sold
Right to Delete personal information held about you, subject to exceptions
Right to Correct inaccurate personal information
Right to Opt-Out of the “sale” or “sharing” of personal information
Right to Limit Use and Disclosure of Sensitive Personal Information
Right to Non-Discrimination for exercising your privacy rights
To exercise California rights, see our “Do Not Sell or Share My Personal Information” page or contact [email protected].
C. Other State Residents
Residents of Colorado, Connecticut, Utah, Virginia, Texas, Oregon, and other states with comprehensive privacy laws may have similar rights, including rights to access, correct, delete, and opt out of certain processing activities. Contact [email protected] to exercise these rights.
D. How to Submit a Request
To make a privacy request, contact [email protected] with the following information:
Your full name and contact information
State of residence
Nature of the request (access, correction, deletion, opt-out)
Sufficient information for us to verify your identity
We may need to verify your identity before processing certain requests. We will respond within the timeframes required by applicable law, generally within 45 days of a verified request.
Some information cannot be deleted or restricted if it is needed for legal, regulatory, carrier, fraud-prevention, policy-servicing, claims, accounting, or other legitimate business purposes.
E. Authorized Agents
California residents may designate an authorized agent to make privacy requests on their behalf. The authorized agent must provide written authorization signed by the consumer, and we may verify the identity of both the consumer and the agent.
12. Email Communications
You may unsubscribe from marketing emails by using the unsubscribe link in the email or by contacting us.
We may still send service-related or transactional emails, including communications related to quote requests, applications, policies, claims, appointments, compliance, or customer service.
13. Children’s Privacy
Our website and services are not directed to children under 13. We do not knowingly collect personal information from children under 13 through our website.
If you believe a child has submitted personal information to us, contact [email protected] so we can review and address the request.
14. Health Information and HIPAA
Prime Harbor Insurance may collect limited eligibility or underwriting-related information for final expense or other insurance products.
Prime Harbor Insurance is not a health care provider and is not generally a HIPAA-covered entity. Depending on the product, carrier, and transaction, certain health-related information may be handled under applicable privacy, insurance, carrier, consumer protection, or health privacy requirements.
If HIPAA or another health privacy rule applies to a specific transaction, carrier process, or business relationship, Prime Harbor Insurance will handle applicable information consistent with the relevant legal and contractual requirements.
15. Third-Party Websites and Carrier Portals
Our website may link to insurance carriers, claims portals, payment portals, rating tools, calendars, review platforms, or other third-party websites.
Prime Harbor Insurance is not responsible for the privacy practices, content, security, or policies of third-party websites. Review the privacy policy and terms of any third-party website before submitting information.
16. Reviews, Testimonials, and Public Communications
Prime Harbor Insurance may use review tools, including Google Business Profile review tools, Trustpilot, Better Business Bureau, and other review platforms.
If you submit a public review, testimonial, rating, or feedback on a third-party platform, that information may be visible to the public according to the platform’s terms and privacy policy.
We may request reviews from customers through email, text message, or other communication methods where permitted by law and your consent.
17. International Visitors
Prime Harbor Insurance is licensed and operates in the United States. Our website is intended for residents of the United States. If you are visiting our website from outside the United States, your information may be transferred to, stored in, and processed in the United States, where data protection laws may differ from those of your country.
18. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or business operations. When we update this Policy, we will revise the “Last Updated” date above and post the updated Policy on our website.
Material changes will be communicated through reasonable notice. Your continued use of our website or services after changes are posted means you acknowledge the updated Policy.
19. Contact Us
For privacy, legal, or data-related questions, contact:
Prime Harbor Insurance, LLC
Attention: Privacy Officer
900 Camp St, STE 3 STE 1272
New Orleans, LA 70130
Phone: 504-949-4760
Privacy Email: [email protected]
Legal Email: [email protected]
General Email: [email protected]
This Privacy Policy is provided as a starting template prepared in accordance with industry best practices for independent insurance agencies. It addresses GLBA, CCPA/CPRA, TCPA, state privacy laws, and call recording disclosure requirements known as of the effective date. This document is not legal advice. Prime Harbor Insurance, LLC should have this Policy reviewed by a licensed insurance compliance attorney before publication, before significant ad spend, and periodically thereafter to ensure continued compliance with applicable federal, state, and carrier requirements.