1. Company Identification

Umbrella Insurance Group is responsible for data processing on this site. For inquiries, please use /contact or agente@umbrellainsurancegroup.in .

2. Information Collection

We collect the information you voluntarily provide when filling out forms (name, phone number, email address, physical address, and relevant data for a quote). We may also collect technical browsing data for analytical purposes.

3. Use of Information

We use your data to: process quote requests, contact you regarding products, send communications related to your account or interests, and comply with legal obligations. We will not use your data for other purposes without your consent.

4. Electronic Communications and SMS (10DLC Compliance)

Sender ID: Umbrella Insurance Group.

Consent (Opt-in): By submitting a form on this site that includes a communications checkbox, you explicitly authorize Umbrella Insurance Group to contact you via email and/or SMS. Forms will include express consent for SMS.

Mobile Opt-In, SMS consent and phone numbers collected for SMS communication purposes will not be shared with third parties and affiliates for marketing purposes.

Estimated Frequency: Up to 6 messages per month depending on your interaction with our services.

Opt-out: Reply with STOP, UNSUBSCRIBE, or CANCEL. The opt-out is immediate, and we will confirm via SMS or email. You may also request opt-out through our contact page.

Costs: Messages may incur charges from your carrier; Umbrella Insurance Group does not charge for SMS.

10DLC: Our practices comply with applicable 10DLC regulations in the U.S.

5. Health Information (HIPAA)

If we collect information related to your medical history for insurance purposes, we comply with the Health Insurance Portability and Accountability Act (HIPAA). Health data is used solely to process coverage applications and is protected with administrative, technical, and physical safeguards in accordance with applicable regulations.

6. Data Sharing

We do not sell or rent your personal information. We may share data with insurers and partners as necessary to process quotes and manage policies. We may also share data when required by law or pursuant to a valid legal request.

7. Information Security

We implement reasonable technical and administrative measures to protect your data against unauthorized access and loss. While we apply best practices, no system can guarantee absolute security.

8. User Rights

You have the right to request access, rectification, or deletion of your data, as well as to object to processing or request portability when applicable. To exercise these rights, contact us at /contact or at agente@umbrellainsurancegroup.in .

9. Limitation of Liability

Umbrella Insurance Group is not responsible for unauthorized access, technical failures, or incidents beyond our reasonable control. The purchase of insurance is subject to the acceptance of the insurers and the applicable regulatory framework in the U.S.

10. Regulatory Compliance

Our operations are aligned with the provisions of the National Association of Insurance Commissioners (NAIC) and the applicable regulations of the state Departments of Insurance (DOI). If you have regulatory concerns, you may contact us or reach out to your state’s DOI.

11. Changes to This Policy

We may update this Policy. The revised version will be posted on this page with the new “Effective Date” indicated at the top.