Privacy, Security, and Refund Policy

Cambridge Insurance, LLC.

We Take Care to Protect your Privacy

Our operational protocol meets all state and federal guidelines and state licensing and registration requirements. Moreover, our business systems and data housing protocol must meet regulatory requirements as they pertain to safeguarding and housing customer data in efforts to protect consumer privacy. We respect the privacy of our customers and are committed to protecting customer information on our website and throughout our business processes.

Occupant Shield offers the most comprehensive coverage at low rates. We cover your contents as well as protect you from liability if someone gets hurt in your apartment.

Information We Collect On Each Visit to Our Website

We automatically collect the following information when you visit our website or web application:

  • Your IP (Internet Protocol) address
  • Date and time of your request to our servers
  • The pages or files you request and make changes to
  • The success or failure of your requests

This information does not identify individual visitors on our public website, and we will make no attempt to do so unless illegal activity or tampering with our site is suspected. This data collected is used to generate statistical reports, and those reports are used solely for the purpose of managing our business and improving the information and services we offer.

We Collect and Retain Only Customer Information that is Necessary for Business Operations

We limit the amount of customer information we collect and retain to that which is necessary for business operations and customer service. Examples of information collected include the following:

  • Property Information: This includes physical address, mailing address, resident names, contact phone numbers, contact emails, and other miscellaneous underwriting information that is needed for the insurance product requested.
  • Insurance Information: This includes the policy coverages selected along with the policy details necessary to issue and maintain the policy.
  • Payment Information: This includes the payment details necessary to pay for the policy.

Policy Notifications

We communicate the policy statuses to our partner leasing agents/property management companies and may notify them upon cancellation or changes made to the liability limit coverage on insurance policies.

Data Security

We are committed to data security. Our website and web application is secured using industry standard SSL (Secure Socket Layer) technology and customer payment information is securely encrypted by our system.

Cookies

Our website and web application uses “cookies”, which are small pieces of information that a website stores on a visitors web browser. A common example is the tracking of items placed in an online "shopping cart." We do not retain any record of "cookies" beyond what is necessary for running our website and web application.

Refund Policy

We follow all state department of insurance regulations as they pertain to refunding policy premiums. Policies can be cancelled without penalty by the named insured with a signed request to cancel. Upon receipt of signed cancellation request, any unearned premium will be refunded as of the date of cancellation.

The information provided is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site or on this material alters the terms or conditions of any of our policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts and deductibles are subject to availability and to individuals meeting our underwriting criteria. Not all features available in all areas.