Terrapin Insurance Group LLC ("Terrapin Insurance," "we," "us," or "our") is committed to protecting your personal information. This Privacy Policy explains what information we collect through terrapininsurance.com (the "Site"), how we use it, with whom we share it, and the choices you have regarding your information.
1. Information We Collect
Information You Provide Directly
When you request an insurance quote, contact us, or submit a form on the Site, we may collect:
- Full name
- Email address
- Telephone number
- Mailing or physical address
- Date of birth
- Driver's license information (for auto quotes)
- Vehicle information (for auto quotes)
- Property address and details (for home quotes)
- Business details (for commercial quotes)
- Beneficiary and dependent information (for life quotes)
- Existing insurance and coverage history
- Any additional information you choose to provide
Information Collected Automatically
When you visit the Site, we may automatically collect IP address and approximate geographic location, browser and device type, pages visited and referring URL, and cookies and similar tracking technologies.
2. How We Use Your Information
We use the information we collect to:
- Obtain insurance quotes from our carrier partners on your behalf
- Contact you regarding your quote or active policy
- Service active policies (billing, claims support, renewals, endorsements)
- Respond to inquiries and customer service requests
- Improve our Site, products, and services
- Send administrative communications and, with your consent, marketing communications
- Comply with insurance laws, regulations, and other legal obligations
- Detect, prevent, and address fraud, abuse, or security incidents
3. SMS / Text Messaging
If you opt in to receive text messages from Terrapin Insurance Group, message and data rates may apply. Frequency varies. Reply HELP for help; reply STOP to opt out.
Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data and consent will not be shared with any third parties.
4. How We Share Your Information
We share your information only as described in this policy:
- Insurance carriers and underwriters: We submit your information to licensed insurance companies (e.g., Erie Insurance and other appointed carriers) so they can underwrite and price coverage for you.
- Service providers: We share information with vendors that support our operations — including agency management systems, comparative rating tools, email delivery providers, and IT services — under contracts that require them to protect your information.
- Legal and regulatory: We disclose information when required by law, subpoena, court order, or regulatory authority, including state insurance departments in Maryland, the District of Columbia, and Virginia.
- Business transfers: If Terrapin Insurance is acquired by or merged with another company, your information may transfer as part of that transaction.
We do not sell your personal information.
5. Your Rights and Choices
You may request access to the personal information we hold about you, correction of inaccurate information, deletion of your information (subject to our legal obligation to retain insurance records), or to opt out of marketing emails by clicking "unsubscribe" in any marketing message or contacting us directly.
To exercise any of these rights, email info@terrapininsurance.com or call (240) 243-0042. We will respond within 45 days.
Residents of Other States
If you reside in a state that grants additional privacy rights (such as California, Colorado, Connecticut, or Virginia), you may have additional rights under applicable state law. Please contact us to exercise those rights.
6. Cookies and Tracking Technologies
The Site uses cookies and similar technologies, including Google Analytics, to understand how visitors use the Site and improve user experience. You can disable cookies in your browser settings; some Site functions may not work properly if cookies are disabled. We do not respond to "Do Not Track" browser signals at this time.
7. Data Retention
We retain your personal information for as long as needed to provide the services you requested, comply with our legal obligations (including state insurance recordkeeping requirements, typically 5–7 years after a policy ends), resolve disputes, and enforce our agreements.
8. Data Security
We implement reasonable administrative, technical, and physical safeguards designed to protect your information against unauthorized access, disclosure, alteration, and destruction. No method of transmission over the Internet is 100% secure, however, and we cannot guarantee absolute security.
9. Children's Privacy
The Site is not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected such information, please contact us and we will delete it.
10. Third-Party Links
The Site may contain links to third-party websites (such as insurance carrier portals). We are not responsible for the privacy practices of those websites. We encourage you to review their privacy policies.
11. Changes to This Policy
We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this page indicates when changes were made. Material changes will be noted on the Site's home page or by direct notice.
12. Contact Us
For privacy questions, requests, or concerns, contact us at:
Terrapin Insurance Group LLC
1300 Piccard Drive, Suite 204
Rockville, MD 20850
Phone: (240) 243-0042
Email: info@terrapininsurance.com