Privacy Policy – CLB Insurance

At CLB Insurance, we are committed to protecting the privacy and confidentiality of our clients’ personal and health information in accordance with applicable laws, including the Health Insurance Portability and Accountability Act (HIPAA), where applicable.

1. Information We Collect
We may collect the following types of information:

Personal information: name, address, phone number, email address
Demographic information: age, gender, marital status
Insurance-related information: policy history, coverage details, and claims
Protected Health Information (PHI), when necessary to quote or manage health insurance plans

2. How We Use Your Information
We use the information we collect to:

Provide insurance quotes (health, auto, property, and others)
Process applications, enrollments, and renewals
Coordinate with insurance carriers and authorized providers
Provide customer service and support
Comply with legal and regulatory obligations

3. Protection of Information (HIPAA)
CLB Insurance implements administrative, technical, and physical safeguards to protect personal and health information, including:

Restricted access to sensitive information
Secure systems for data storage and transmission
Staff training on privacy and data protection

When handling Protected Health Information (PHI), we follow applicable HIPAA standards to ensure confidentiality and integrity.
4. Disclosure of Information
We may share your information only in the following circumstances:

With insurance carriers and providers necessary to process your policy
With authorized third parties who comply with confidentiality requirements
When required by law, regulation, or legal process

We do not sell your personal information to third parties.
5. Your Rights
You have the right to:

Access your personal and health information
Request corrections to your information
Request restrictions on certain uses or disclosures
Request a copy of your data in electronic format

To exercise these rights, please contact us directly.
6. Data Retention
We retain information only as long as necessary to fulfill the purposes outlined in this policy and to comply with applicable laws.
7. Data Security
We implement reasonable safeguards to protect your information. However, no system is completely secure, and we cannot guarantee absolute security.
8. Cookies and Website Technologies
Our website may use cookies and similar technologies to enhance user experience, analyze traffic, and improve our services.
9. Changes to This Policy
We reserve the right to update this Privacy Policy at any time. Updates will be posted on this page.
10. Contact Us
If you have any questions about this Privacy Policy or how your information is handled, please contact us:
CLB Insurance LLC

787) 361-4416

info@CLBInsurance.com
www.clbinsurance.com

11. HIPAA Notice

When CLB Insurance acts as an intermediary in the administration of health insurance plans, we may operate as a “Business Associate” under HIPAA. In such cases, we comply with applicable obligations through agreements with insurance carriers and healthcare providers.