Privacy Policy
This Privacy Policy explains how North Star Commercial Insurance LLC collects, uses, stores, shares, protects, and manages personal and business information when you visit our website, request an insurance quote, communicate with our team, or use our commercial insurance services.
North Star Commercial Insurance LLC does not sell or rent your personal information. Information is shared only when reasonably necessary to provide requested insurance services, communicate with you, comply with legal obligations, protect our business, or support legitimate operational requirements.
Introduction and Scope of This Privacy Policy
North Star Commercial Insurance LLC respects your privacy and is committed to handling personal, commercial, insurance, and website-related information responsibly.
This Privacy Policy describes the information practices of North Star Commercial Insurance LLC when you access our website, submit an insurance quote request, provide information through an online form, communicate by telephone, text message, email, social media, live chat, or another communication channel, or otherwise interact with our commercial insurance services.
The terms “North Star,” “North Star Commercial Insurance LLC,” “we,” “us,” and “our” refer to North Star Commercial Insurance LLC. The terms “you,” “your,” “customer,” “applicant,” “visitor,” and “user” refer to the individual, company representative, business owner, driver, insured, prospective insured, website visitor, or other person interacting with our website or services.
This Privacy Policy applies to information submitted directly to us and information we may receive in connection with insurance applications, policy servicing, underwriting, certificates of insurance, customer support, claims-related assistance, regulatory requirements, and ordinary business operations.
By accessing our website, requesting a quote, submitting information, or communicating with our team, you acknowledge that you have reviewed this Privacy Policy. Where consent is required by applicable law, we will seek that consent before collecting or using information in the manner requiring consent.
This Privacy Policy concerns the handling of information. Insurance coverage is governed by the terms, conditions, limitations, deductibles, and exclusions of the applicable policy and carrier documents.
Information We May Collect
The information we collect depends on how you interact with us, the services you request, the requirements of an insurance carrier, and the nature of your commercial operation. We may collect the following categories of information.
Personal Contact Information
Name, telephone number, email address, mailing address, preferred communication method, signature, and other information used to identify or communicate with you.
Business Information
Legal business name, trade name, entity type, business address, years in operation, ownership details, annual revenue, payroll, employee count, operations, contracts, and related commercial information.
Vehicle and Fleet Information
Vehicle identification numbers, vehicle year, make, model, type, value, garaging location, ownership, financing, radius of operation, equipment schedules, and fleet details.
Driver Information
Driver names, dates of birth, license details, driving experience, employment information, motor vehicle records, violations, accidents, and information required for underwriting.
Regulatory and Operating Information
USDOT number, MC number, operating authority, federal and state filings, safety information, inspection history, cargo classifications, operating territory, and regulatory records.
Insurance and Claims Information
Current and prior policies, coverage limits, deductibles, premiums, payment details, loss runs, claims history, cancellation information, renewal information, and carrier correspondence.
Website and Technical Information
When you use our website, certain technical information may be collected automatically. This may include your internet protocol address, device type, browser type, operating system, approximate geographic location, referring website, pages viewed, dates and times of visits, session duration, interaction data, form activity, and other diagnostic or analytics information.
Information You Voluntarily Provide
We may collect any additional information you choose to provide in a quote request, contact form, email, telephone conversation, document upload, text message, customer service request, or other communication.
Please provide accurate, current, and complete information. Inaccurate or incomplete information may affect our ability to obtain quotations, communicate with carriers, provide policy services, or respond to your request.
How We Collect Information
We may collect information through several sources and methods, depending on the type of service requested.
- Information submitted through website forms, insurance quote forms, contact forms, document uploads, and online applications.
- Information provided during telephone calls, email communications, text messaging conversations, live chat sessions, meetings, and customer service interactions.
- Information provided by business owners, authorized representatives, drivers, insured parties, applicants, brokers, finance companies, and other parties connected with an insurance transaction.
- Information received from licensed insurance carriers, underwriting partners, policy administrators, claims representatives, loss control providers, and other insurance-related organizations.
- Information obtained from government, regulatory, licensing, safety, driving, vehicle, and publicly available business records where permitted.
- Information collected automatically through cookies, analytics technologies, server logs, security tools, website monitoring systems, and similar technologies.
We may combine information received through different sources when reasonably necessary to provide services, maintain accurate business records, prevent fraud, improve customer support, or comply with insurance and legal requirements.
How We Use Your Information
North Star Commercial Insurance LLC may use collected information for legitimate business, insurance, administrative, customer service, legal, security, and operational purposes.
To review your insurance needs and understand your commercial trucking, transportation, fleet, delivery, logistics, or other business operations.
To prepare, request, compare, communicate, or assist with commercial insurance quotations.
To submit information to licensed insurance carriers and underwriting partners when reasonably necessary to obtain or manage insurance coverage.
To process insurance applications, endorsements, renewals, cancellations, reinstatements, certificates, policy changes, and related transactions.
To provide customer support, answer questions, respond to inquiries, communicate policy information, and assist with insurance-related requests.
To verify information, evaluate eligibility, maintain records, prevent misrepresentation, identify fraud, and support risk-management activities.
To comply with legal, regulatory, contractual, carrier, licensing, tax, reporting, recordkeeping, and insurance-industry requirements.
To protect our website, systems, users, customers, employees, business operations, and legal rights.
To analyze website performance, improve user experience, evaluate service quality, and develop or improve insurance-related services.
To communicate information about requested services, policy matters, renewals, certificates, documents, support needs, and other relevant business communications.
We will not use personal information for a materially different purpose without appropriate notice or consent when required by applicable law.
Insurance Applications, Underwriting, and Policy Services
Commercial insurance transactions frequently require detailed information concerning business operations, vehicles, drivers, cargo, contracts, losses, regulatory history, and financial obligations. This information may be necessary for insurers to evaluate risk, determine eligibility, calculate pricing, establish coverage terms, or issue a policy.
When you request an insurance quote or policy service, you authorize us to use and share relevant information with licensed insurance carriers, wholesalers, managing general agents, underwriting organizations, policy administrators, premium finance providers, and other parties reasonably involved in the insurance transaction.
Insurance carriers and other independent organizations may maintain their own privacy policies and information practices. North Star Commercial Insurance LLC does not control the independent privacy practices of a carrier or unrelated third party.
Information submitted for an insurance quote does not guarantee coverage, eligibility, pricing, policy issuance, or a specific insurance result. Carrier underwriting rules, availability, state regulations, loss history, driver information, operating details, and other factors may affect the outcome.
Information accuracy is important.
You are responsible for reviewing information provided in connection with an insurance application. Material inaccuracies, omissions, or misrepresentations may affect quotations, underwriting decisions, policy terms, coverage, or claims handling.
How and When Information May Be Shared
North Star Commercial Insurance LLC does not sell or rent your personal information.
We may share information only when reasonably necessary for a legitimate business purpose, insurance service, legal requirement, security need, or other purpose described in this Privacy Policy.
Insurance Carriers and Underwriting Partners
Information may be shared with licensed insurance carriers, underwriting organizations, managing general agents, wholesalers, program administrators, and other insurance-market participants to request quotations, evaluate eligibility, issue policies, process changes, or provide insurance services.
Trusted Service Providers
We may use service providers that assist with website hosting, email, communications, document management, customer relationship management, security, analytics, payment processing, data storage, technical support, compliance, and other operational functions.
Claims, Policy, and Administrative Partners
Information may be shared with policy administrators, claims representatives, adjusters, loss-control providers, premium finance companies, certificate processing providers, auditors, and other parties involved in administering or supporting an insurance policy.
Legal and Regulatory Disclosures
We may disclose information when reasonably necessary to comply with a subpoena, court order, regulatory request, licensing requirement, legal process, government inquiry, law-enforcement request, or other applicable legal obligation.
Protection of Rights and Safety
Information may be disclosed where we reasonably believe disclosure is necessary to investigate fraud, prevent unauthorized activity, protect rights or property, enforce agreements, maintain website security, or protect customers, employees, users, or the public.
Business Transfers
If North Star Commercial Insurance LLC is involved in a merger, acquisition, restructuring, financing, sale of assets, transfer of business operations, or similar transaction, information may be transferred as part of that transaction, subject to applicable legal requirements.
Mobile Information, Telephone Calls, and SMS Messaging
No mobile information will be shared with third parties or affiliates for their marketing or promotional purposes.
When you provide a telephone number, you may receive communications relating to your insurance inquiry, quote, application, policy, documents, certificates, customer support, renewal, or another service you requested.
Where required, text messaging communications will be based on your consent. Consent to receive text messages is not a condition of purchasing insurance. Message frequency may vary, and message and data rates may apply according to your mobile carrier and service plan.
Text messaging originator opt-in data, consent records, messaging preferences, and related information are used solely for providing requested messaging services, maintaining compliance records, and managing communications.
You may request to stop marketing or non-essential text messages by replying STOP where supported. You may request assistance by replying HELP or contacting us directly. We may still send legally permitted or operational communications when reasonably necessary to address an active request, transaction, policy, or account issue.
Telephone calls may be monitored or recorded where permitted by applicable law for quality assurance, training, security, documentation, and customer service purposes.
Information Security
North Star Commercial Insurance LLC uses reasonable administrative, technical, organizational, and physical safeguards designed to protect information under our control against unauthorized access, use, loss, alteration, disclosure, destruction, or misuse.
Security measures may include access controls, user authentication, secure systems, password practices, encrypted transmission where appropriate, malware protection, monitoring, vendor management, backup procedures, employee training, and record-handling protocols.
Despite reasonable safeguards, no website, network, email system, mobile communication, electronic storage system, or internet transmission method can be guaranteed to be completely secure. You provide information electronically at your own risk.
You should use reasonable care when sending sensitive information. Do not send passwords, complete payment card information, or other highly sensitive data through an unsecured communication channel unless specifically requested through an approved secure method.
Data Retention
We retain information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, provide requested services, maintain business and insurance records, meet contractual obligations, resolve disputes, prevent fraud, enforce agreements, and comply with legal or regulatory requirements.
Retention periods may differ depending on the type of information, status of an application or policy, carrier requirements, state insurance rules, recordkeeping obligations, tax requirements, claims, litigation, regulatory inquiries, and legitimate business needs.
When information is no longer reasonably required, we may securely delete, destroy, de-identify, or anonymize it, subject to technical limitations, backup systems, legal holds, and applicable obligations.
Your Privacy Choices and Rights
Depending on your location, relationship with us, the type of information involved, and applicable law, you may have certain privacy rights.
You may request information about personal data we maintain about you, subject to applicable exceptions.
You may request correction of information you believe is inaccurate or incomplete.
You may request deletion of certain personal information, subject to insurance, legal, regulatory, contractual, and recordkeeping exceptions.
Where applicable, you may request restriction of certain processing or object to specific uses of personal information.
Where processing is based on consent, you may withdraw that consent, subject to legal and operational limitations.
You may ask us to update your email, telephone, text messaging, or other communication preferences.
To submit a privacy request, contact us using the information listed below. We may need to verify your identity and authority before completing a request.
We may deny or limit a request where permitted or required by law, including where information must be retained for insurance, fraud prevention, security, legal, regulatory, tax, contractual, or recordkeeping purposes.
If you request deletion or restriction of information necessary to provide a service, we may be unable to continue processing a quote, application, policy, certificate, endorsement, renewal, or other request.
Third-Party Websites, Carriers, and Services
Our website may contain links to insurance carriers, government agencies, payment providers, social media platforms, mapping services, regulatory resources, and other third-party websites or services.
A link does not mean that North Star Commercial Insurance LLC controls, endorses, or accepts responsibility for that third party's privacy, information security, content, products, or services.
Third-party organizations may collect and use information under their own privacy policies. You should review the applicable terms and privacy notices before providing personal information to an external website or service.
Children's Privacy
Our website and commercial insurance services are intended for adults, business owners, authorized company representatives, drivers, and professionals. They are not directed to children under the age of 13.
We do not knowingly collect personal information directly from children under 13 through our website. If we learn that such information has been collected without appropriate authorization, we will take reasonable steps to delete it.
A parent or legal guardian who believes a child has submitted personal information may contact us using the details provided in this Privacy Policy.
Changes to This Privacy Policy
North Star Commercial Insurance LLC may update this Privacy Policy periodically to reflect changes in our services, information practices, technology, business operations, insurance requirements, or applicable laws.
The revised Privacy Policy will be posted on this page with an updated effective date or last-updated date. Material changes may also be communicated through another reasonable method where required.
We encourage you to review this page periodically. Continued use of the website after an updated policy becomes effective constitutes acknowledgment of the revised policy to the extent permitted by law.
Contact North Star Commercial Insurance LLC
If you have questions, concerns, requests, or complaints regarding this Privacy Policy or our handling of information, please contact North Star Commercial Insurance LLC.
When submitting a privacy request, please include your name, contact information, relationship with North Star Commercial Insurance LLC, and a clear description of your request. Do not include highly sensitive information in an unsecured email.
Frequently Asked Questions
Review common questions about how North Star Commercial Insurance LLC handles personal, mobile, business, and insurance-related information.
Contact Our Privacy TeamNo. North Star Commercial Insurance LLC does not sell or rent personal information. Information may be shared with insurance carriers, underwriting partners, service providers, or other authorized parties when reasonably necessary to provide requested insurance services or meet legal and operational requirements.
Commercial trucking insurance underwriting may require information regarding operating authority, vehicles, drivers, cargo, routes, losses, safety history, and business operations. Carriers use this information to evaluate eligibility, risk, policy terms, and pricing.
No mobile information, text messaging opt-in data, or consent records will be shared with third parties or affiliates for unrelated marketing or promotional purposes.
You may contact us to request correction, access, or deletion of certain information. Requests remain subject to applicable insurance, legal, regulatory, security, contractual, and recordkeeping requirements.
Where supported, you may reply STOP to opt out of non-essential text messages. You may also contact North Star Commercial Insurance LLC directly to update your communication preferences.
Email Info@northstarinsgroup.com or manpreetsingh@northsinsurance.com. You may also call +1 650-283-1821 or +1 317-366-7904.
Questions About Your Information?
Contact our team for assistance with this Privacy Policy, your communication preferences, or a request concerning personal information.