Privacy Statement


Universal Insure and its affiliates are committed to protecting your privacy. By using our products, services, or website, “”, you are consenting to our collection and use of your data under this policy.
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  • Personal Data: “Personal Data” means non-public personal information that identifies an individual or Individually Identifiable Personal Information, (IIPI). It does not include data that is encoded, anonymized or aggregated. It includes your name, address, e-mail address, telephone number, social security number, e-mail or other personal identification numbers.
  • Protected Health Information: Protected Health Information (“PHI”) means medical conditions or other health information as defined by the Health Insurance Portability and Accountability Act of 1996.
  • Sensitive Information: Sensitive information includes PHI, racial or ethnic beliefs, trade union membership, or information specifying the sex life of the individual.
  • Agent: “Agent” means any third party that collects or uses Personal Data, IIPI or PHI on our behalf.

Privacy Practices

Notice: We collect personal data from you including information from forms or by telephone, e-mail or correspondence that is necessary to complete your transaction with us, i.e. to underwrite coverage or to process claims; or your transactions with others; or you authorize us to collect from others. If we receive Personal Data from any entity in the EU or any other country, we’ll use that data according to the instructions such entity gives us regarding notices it provided and the choices made by the individuals to whom such data relates. This Notice applies to all electronic or paper records that we create, obtain, and/or maintain that contains your PHI, IIPI, Personal Data or Non-Personal Data as well as the use of our website, including browsing information. Examples of the data that we safeguard includes personal and demographic information such as your name, age, address and Social Security number or National Identification number, employment information, information about payment of your benefits, the doc tors you use, diagnostic and treatment information, status of your claims and highly sensitive information such as behavioral or mental health services and treatment of sexually transmitted diseases. Read more…


This site may contain links to other websites, which are highlighted words or pictures within a hypertext document that when clicked whose privacy practices may be different from those of this site. If you visit those sites, you should consult their privacy statements and notices, as those sites’ practices are not governed by this Privacy Policy. In addition, some of the advertisements located on our site may allow advertisers to place cookies on your computer. We do not have control over these cookies. For more information about them, you should contact the advertisers directly.

Internet E-mail

Unless otherwise noted, electronic mail on our site is not a completely secure and confidential means of communication. Non-encrypted electronic communications may be accessed and viewed by other Internet users without your knowledge and permission while in transit to us. If you would like to send us confidential information over the Internet, we recommend that you use a Secure Online Service to protect the privacy of your information.

Changes to this Privacy Policy

UNIVERSAL INSURE may amend this policy from time to time. The revised policy will be posted on this site, and such posting will be our only notice to visitors of the changes. The changes will be in effect beginning the day they are posted. You should check this Privacy Policy each time you visit the site. If we make any substantial changes in the way we use your personal information we will notify you by posting a prominent announcement on our pages.


This site is not targeted toward children under the age of 13, and does not knowingly collect personal information from such children. If you are a child under the age of 13, you must obtain your parent’s consent prior to providing this site with any personal information.

Contacting Universal Insure

If you have any questions about this Privacy Policy or the practices of this site, please contact our Privacy Office.

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