Privacy Policy

Last Updated: September 7, 2026


Palm Insurance Management ("Palm," "we," "us," or "our") respects your privacy and is committed to protecting personal information collected through our website and related services.


This Privacy Policy explains what information we collect, how we use it, how we may share it, and the choices available to you.


1. Information We Collect


We may collect information you voluntarily provide to us, including:


  • Name
  • Email address
  • Telephone or mobile number
  • Mailing or property address
  • Community or association information
  • Business information
  • Insurance-related information
  • Information submitted through quote request forms
  • Information submitted through contact forms
  • Information submitted in connection with certificates of insurance
  • Information provided in connection with claims or service requests
  • Other information you choose to provide


Insurance-related information may include information necessary to evaluate coverage needs, obtain quotes, communicate with insurance carriers, process requests, or provide insurance services.


We may also automatically collect technical information when you visit our website, including IP address, browser type, operating system, device information, referring pages, pages visited, and general website usage information.


2. Cookies and Analytics


We may use cookies, analytics tools, pixels, and similar technologies to operate our website, understand visitor behavior, improve website performance, and evaluate communications and marketing.


You may configure your browser to reject or limit cookies. Some website functionality may not work properly if cookies are disabled.


3. How We Use Information


We may use information we collect to:


  • Respond to inquiries.
  • Provide insurance information and consultations.
  • Evaluate insurance needs.
  • Request or facilitate insurance quotes.
  • Communicate with insurance carriers where appropriate.
  • Process service requests.
  • Assist with certificates of insurance.
  • Assist with claims-related communications.
  • Communicate with customers and prospective customers.
  • Provide customer service.
  • Improve our website and services.
  • Send marketing communications where permitted.
  • Send SMS communications where you have provided consent.
  • Analyze website usage and performance.
  • Protect against fraud, misuse, unauthorized access, or security threats.
  • Comply with applicable laws, regulations, and legal obligations.


4. Insurance Information and Carrier Communications


When you request an insurance quote, consultation, policy service, or other insurance-related assistance, we may use information you provide to evaluate your needs and communicate with insurance carriers, wholesalers, underwriters, or other parties involved in obtaining or servicing insurance coverage.


Information provided for an insurance quote may be subject to the privacy policies and practices of the applicable insurance carrier and other service providers.


5. Claims Information


If you provide information relating to an insurance claim, we may use that information to assist with your request and communicate with the applicable insurance carrier or other authorized parties.


You should provide only information reasonably necessary for the purpose for which it is requested.


6. SMS/Text Messaging


If you have consented to receive SMS or text messages from Palm, we may send recurring messages related to appointments, quote requests, policy service, certificates, claims assistance, customer service, and other service-related communications.


Message frequency varies based on your interactions with us.


Reply STOP at any time to unsubscribe.


Reply HELP for assistance.


Message and data rates may apply.


We do not sell, rent, or share your mobile telephone number with third parties for their own independent marketing purposes.


7. Sharing Information


We do not sell your personal information.


We may share information with parties that assist us in providing insurance services and operating our business, including:


  • Insurance carriers
  • Wholesale brokers and intermediaries
  • Technology and software providers
  • Website hosting providers
  • Email and communication providers
  • SMS providers
  • Analytics providers
  • Certificate or document processing providers
  • Payment providers
  • Other service providers acting on our behalf


We may also disclose information:


  • When required by law, regulation, subpoena, court order, or legal process.
  • When necessary to protect our rights, property, customers, or others.
  • To prevent fraud or address security issues.
  • In connection with a merger, acquisition, financing, reorganization, or sale of assets.
  • With your consent or at your direction.


8. Third-Party Websites


Our website may contain links to insurance carriers, government agencies, payment providers, social media platforms, or other third-party websites.


Palm is not responsible for the privacy practices, security, content, or policies of third-party websites.

We encourage you to review the privacy policy of any third-party website you visit.


9. Data Security


We use commercially reasonable administrative, technical, and organizational safeguards designed to protect personal information.


However, no method of internet transmission or electronic storage is completely secure, and we cannot guarantee absolute security.


10. Children's Privacy


Our website is not directed toward children under 13 years of age, and we do not knowingly collect personal information from children under 13.


11. Your Choices


You may:


  • Unsubscribe from marketing emails using the unsubscribe mechanism provided in those communications.
  • Opt out of SMS messages by replying STOP.
  • Adjust browser settings to control cookies.
  • Contact us regarding certain requests concerning your personal information, subject to applicable law and our legal obligations.


12. Florida Residents


If you are a Florida resident, you may have rights regarding personal information under applicable Florida law.

Subject to applicable law and our legal and regulatory obligations, you may contact us regarding requests concerning your personal information.


13. Changes to This Policy


We may update this Privacy Policy periodically. Changes will be posted on this page with a revised "Last Updated" date.


14. Contact Us


Palm Insurance Management


209 Turner Street
Clearwater, FL 33756


Mailing Address:
PO Box 8604
Seminole, FL 33775


Phone: 1-866-612-1596
Fax: 727-565-0081