Our Commitment to Your Privacy
Loggerhead Reciprocal Interinsurance Exchange (“LRIE”), Loggerhead Risk Management, LLC (“LRM”), and our subsidiaries and affiliates (collectively, “Loggerhead,” “Loggerhead Insurance,” “Company,” or “We”) consider your personal information confidential. We respect your privacy and are committed to protecting the personal information entrusted to us through compliance with this policy.

This policy explains how we collect, use, disclose, and safeguard information in connection with our insurance operations and our website. This policy is provided in accordance with the Gramm‑Leach‑Bliley Act (GLBA), applicable Florida insurance privacy laws (including Fla. Stat. § 626.9651), and other applicable state and federal regulations.

Scope of This Policy
This policy applies to current and former policyholders, applicants, claimants, website visitors, and other consumers who interact with Loggerhead Insurance.

Information We Collect & Why We Collect It
We collect personal information reasonably necessary to conduct our insurance operations, provide requested products and services, and support the purposes described in this policy. The types of information we collect depend on the nature of your interaction with us and the insurance products or services involved. The information we collect includes:

  • Personal Identifiers and Contact Information: We may collect your name, date of birth, mailing address, property address, email address, and telephone number to identify you, communicate with you, provide quotes, administer policies, support claims, and comply with legal requirements.
  • Property & Risk Data: We may collect details about your property, such as construction type, square footage, roof age, prior inspection reports, valuation data, and photographs, to evaluate eligibility, assess underwriting risk, determine rates, conduct inspections, and support claims handling.
  • Third-Party Consumer Reports: We may obtain underwriting and claims history, loss history reports, and investigative reports from consumer reporting agencies and insurance support organizations to verify information, evaluate risk, rate coverage, prevent fraud, and administer policies and claims.
  • Policy Preferences & Insurance History: We maintain records of your coverage selections and prior insurance history to prepare quotes, recommend or issue appropriate coverage, administer your policy, and support renewals.
  • Billing & Payment Information: We may collect billing details, payment status, bank account or payment card data, premium transaction information, and related account records to process payments, issue refunds, manage billing, and administer your policy.
  • Customer Support & Communications: When you contact us, we may collect your name, contact information, policy or claim details, and the content of your communication (including inbound and outbound email correspondence and recorded customer service calls) to respond to inquiries, provide service, resolve issues, and maintain appropriate business records.

How We Collect Your Information

  • Information Provided Directly by You: We collect personal data when you interact with us to request an insurance quote, submit a formal application for coverage, make a payment, service your account, or report a claim.
  • Automated Technical & Usage Data: When you visit our website, we may automatically collect information such as pages visited, links selected, referring pages, access dates and times, session duration, IP address, browser type, operating system, and device identifiers through cookies and similar technologies. We use this information to support website functionality, maintain security, prevent fraud, understand website usage, and improve performance. This information does not directly identify you personally unless it is linked with other information that identifies you.
  • Third-Party and External Sources: To ensure accurate underwriting and risk assessment, we may obtain information from public records, insurance support organizations, and consumer reporting agencies. This includes essential data such as comprehensive loss history reports and property inspection records.

How We Use Your Information

  • Policy Administration: To manage the full lifecycle of your insurance—from quoting and underwriting to the issuance and renewal of your policy.
  • Billing & Payments: To facilitate premium payments, process transactions, issue refunds, and manage your billing account.
  • Claims Management: To investigate, evaluate, adjust, and settle claims in a timely and accurate manner.
  • Fraud Prevention: To detect and prevent misrepresentation, fraud, and other unauthorized or unlawful activities.
  • Customer Support: To provide ongoing service, respond to inquiries, and communicate essential updates regarding your policy or claims status.
  • Compliance & Optimization: To fulfill our legal, regulatory, and contractual obligations while continuously improving our products and website functionality.
  • Telephone & Mobile Messaging Communications: We may use the telephone number you provide to contact you regarding your policy, billing, claims, underwriting, service requests, account verification, or other account-related matters. Where required by law, we will obtain consent before placing automated, prerecorded, or marketing calls or text messages.

Loggerhead does not use or share your personal information with third parties for their own direct marketing purposes.

Information Sharing and Disclosure
Federal law allows insurance companies to share personal information in certain circumstances. We may share personal information as necessary to conduct everyday insurance business, including underwriting, policy administration, billing, and claims handling; to comply with legal and regulatory requirements; and to detect and prevent fraud or other unlawful activity. Federal law does not provide an opt‑out right for these types of disclosures when they are necessary to conduct insurance operations or comply with legal and regulatory requirements.

Loggerhead does not sell your personal information to third parties. We only disclose your information as permitted by law for the following specific purposes:

  • Authorized Service Providers: We share necessary data with trusted partners who perform essential functions on our behalf, such as claims adjusters, property inspectors, payment processors, IT service providers, legal counsel, auditors, and actuarial or research firms. These parties are contractually obligated to maintain strict confidentiality and utilize your information solely for the services requested.
  • Insurance Operations: We disclose information to agents, reinsurers, and insurance support organizations as required to underwrite your policy, administer your coverage, and manage claims efficiently.
  • Legal & Regulatory Compliance: We may provide information to governmental authorities, regulators, or law enforcement in response to subpoenas, court orders, or other mandatory legal processes.
  • Business Continuity & Transitions: In the event of a corporate change, such as a sale, transfer of business assets, or reorganization, your information may be shared with the successor entity to ensure the uninterrupted management and service of your policy.
  • Mobile Information Privacy: Loggerhead will not sell, rent, share, or transfer customer mobile data, including mobile phone numbers and text messaging opt-in or consent records, to third parties or affiliates for marketing or promotional purposes. Mobile information may be shared only with service providers that support Loggerhead’s text messaging program and related services, such as message delivery, platform administration, customer service, troubleshooting, compliance support, and opt-out management. These providers are contractually required to use the information solely to provide services on Loggerhead’s behalf.

Your Privacy Choices and Rights
Below are the rights and choices available to you regarding our use and disclosure of your personal information, as well as the methods by which you may review or request corrections to certain information we maintain. These rights are provided in accordance with applicable insurance privacy laws and are subject to legal and regulatory limitations.

  • Access & Correction: You have the right to know what personal information we maintain about you in our records and files, and to request that we correct, delete, or amend any recorded information that you believe to be inaccurate. To make such a request, please submit a written request containing your name, policy number, and a description of the information in question to our Privacy & Compliance address below. We will inform you of the nature and substance of the information or provide our written determination regarding your correction request within thirty (30) business days of receiving your written request. We may require verification of your identity and may be limited in our ability to modify records required for legal, regulatory, or policy-servicing purposes.
  • Consumer Reporting Agencies and Loss History Reports: We may obtain consumer reports and loss history reports from consumer reporting agencies and insurance support organizations in connection with underwriting, rating, policy administration, and claims handling. If an adverse action is taken based in whole or in part on information in a consumer report, you have the right to contact the consumer reporting agency within sixty (60) days to obtain a free copy of your report and dispute the accuracy or completeness of any information contained in it:

LexisNexis Risk Solutions
P.O. Box 105108
Atlanta, GA 30348-5108
https://consumer.risk.lexisnexis.com 

State‑Specific Privacy Rights
Florida law governs our insurance privacy practices. Residents of other states may have additional rights where applicable. California residents may have additional rights under California law, including the California “Shine the Light” law (Civil Code § 1798.83). California residents may request information regarding certain disclosures of personal information to third parties for their direct marketing purposes, if applicable. Loggerhead does not share personal information with third parties for their own direct marketing purposes without consent, except as permitted by law.

Cookies and Website Technologies
Loggerhead uses cookies and similar technologies to support website functionality, security, analytics, performance monitoring, and related business operations. Certain technologies are necessary for the operation and security of our website, while others help us understand website usage, improve performance, and measure the effectiveness of our services and communications.

For additional information regarding the cookies and tracking technologies used on our website, including available preference options, please review our Cookie Policy.

Data Security
Loggerhead maintains administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, loss, misuse, alteration, or disclosure. These safeguards are designed to support our insurance operations and to help protect information used for quoting, underwriting, policy administration, billing, claims handling, customer service, and regulatory compliance. Depending on the nature of the information and business activity, our safeguards may include role-based access controls, authentication requirements, encryption or other protective technologies, system monitoring and logging, employee privacy and security training, vendor oversight, incident response procedures, and physical security measures. We limit access to personal information to Loggerhead personnel and authorized service providers who need the information to perform approved business functions on our behalf.

In the event of a security incident affecting your personal information, Loggerhead follows established incident response protocols. Where required by applicable law, we will provide prompt notice to affected individuals and appropriate regulators.

Important Note: While Loggerhead maintains safeguards designed to protect personal information, no information system or method of transmission can be guaranteed to be completely secure. The security of your information may also depend on actions within your control, such as safeguarding account credentials and using secure communication methods when interacting with us.

Data Retention and Disposal
Loggerhead retains personal information for as long as reasonably necessary to support insurance operations, provide services, administer policies, manage billing and claims, respond to inquiries, comply with legal and regulatory obligations, prevent fraud, resolve disputes, and maintain appropriate business records.

Retention periods vary based on the type of information, the reason it was collected, applicable legal, regulatory, tax, audit, and reporting requirements, and any active policy, claim, investigation, dispute, litigation hold, or business need.

When personal information is no longer needed and retention is no longer required, Loggerhead will securely dispose of, delete, de-identify, or securely manage the information in accordance with applicable record retention and information security procedures.

Changes to This Policy
We may update this Privacy Notice from time to time. The effective date will be posted at the bottom of this page. Material changes will be made in accordance with applicable legal requirements.

Contact Us
If you have questions about this Privacy Policy or our privacy practices, or wish to submit an access or correction request, please contact:

Loggerhead Risk Management, LLC
Privacy & Compliance
P.O. Box 20426
Tampa, FL 33622
Email: [email protected] 

This Privacy Policy is intended to provide a general overview of our privacy practices and does not modify or supersede any policy terms or legal obligations.

Last Updated: September 1, 2026