Privacy Policy

Monarch Risk is an independent property and casualty insurance agency licensed in the State of Florida. We help individuals and families compare personal auto, homeowners, and renters insurance from multiple carriers. We operate as a service-area business serving Southwest Florida — primarily Lee, Collier, and Hendry counties — and do not maintain a walk-in office.

This policy applies to monarchriskfl.com and to the quote, contact, and rate-estimator forms on this site. It also describes how we handle information you share with us by phone, text, or email.

We only ask for information we need to quote or service your coverage. That includes:

• Contact information — your name, email address, phone number, and the city or ZIP code where you live.
• Quote and risk information — the type of coverage you want, property details (year built, roof age, construction type, flood zone), vehicle details (year, make, model, usage), household drivers, prior coverage and claims history, and desired limits or deductibles.
• Information required by carriers — when you ask us to shop a policy, carriers may require a date of birth, driver license number, or address to run rating reports such as motor vehicle records, CLUE loss history, or insurance scores. We collect this only with your knowledge and only when you have asked us to obtain quotes.
• Messages you send us — the content of contact forms, emails, and text messages.
• Technical information — basic device, browser, and page-visit data collected automatically when you use the site.

We do not knowingly collect information from children under 13, and we do not ask for Social Security numbers, financial account numbers, or health information through this website.

We use the information you provide to:

• Prepare quotes and compare options across the carriers we represent.
• Contact you by phone, email, or text about your request and answer your questions.
• Place, service, renew, or change a policy you ask us to bind.
• Help you with claims, endorsements, certificates, and billing questions.
• Send policy-related notices and, if you opt in, occasional agency updates.
• Maintain agency records and meet legal, regulatory, and licensing obligations.
• Detect fraud, secure the site, and improve how our pages and forms work.

Submitting a form on this site does not bind, change, or cancel coverage. Coverage can only be bound by a licensed agent through an insurance carrier.

We do not sell your personal information. We share it only as needed to do the work you asked us to do:

• Insurance carriers, wholesalers, and rating services — to obtain quotes, submit applications, and service policies. Carriers handle your information under their own privacy notices.
• Service providers — the vendors that host our website, store form submissions, deliver our email, and provide agency management software. They may use your information only to perform services for us.
• Premium finance companies, mortgage servicers, or lienholders — when needed to place or verify coverage on your behalf.
• Regulators and legal requests — including the Florida Department of Financial Services and Office of Insurance Regulation, or in response to a subpoena, court order, audit, or applicable law.
• A successor — if our agency is sold or merged, your records may transfer as part of that transaction.

We do not share your information with unaffiliated companies for their own marketing.

Our website uses a small number of cookies and similar technologies that keep the site working, remember basic preferences, and give us aggregate traffic statistics such as which pages are visited and how people arrive. These analytics are reported in aggregate and are not used to build advertising profiles.

You can block or delete cookies in your browser settings. Most of the site will still work normally, though some conveniences may not. We do not currently respond to browser "Do Not Track" signals, because there is no common standard for how they should be handled. If we ever add advertising or retargeting pixels, we will update this section before doing so.

When you submit a quote or contact request, you are asking us to contact you about it, and you agree that we may reach you at the phone number and email address you provided — including by text message where you have given a mobile number. Message and data rates may apply. You can opt out of marketing messages at any time by replying STOP to a text, using the unsubscribe link in an email, or emailing us directly. We may still send you transactional messages about an active quote, policy, or claim.

Our website is served over encrypted HTTPS connections, and form submissions are stored in access-controlled systems available only to authorized agency staff. We limit access to the people who need it, use reputable vendors, and retain records in line with Florida insurance recordkeeping requirements.

No method of transmission or storage is completely secure, so we cannot guarantee absolute security. Please do not send sensitive identifiers such as Social Security numbers, driver license numbers, or account numbers through website forms or unsecured email — call us instead and we will collect them securely.

We keep quote requests and inquiries for as long as needed to respond and for a reasonable period afterward in case you return to us. Records tied to a policy we placed are kept for at least five years after the policy period ends, consistent with Florida agency recordkeeping and licensing requirements, and longer where a legal, tax, or regulatory obligation applies. When information is no longer needed, we delete it or remove identifying details.

You may ask us to:

• Tell you what personal information we hold about you.
• Correct information that is inaccurate or out of date.
• Delete information we are not required to keep by law or by a carrier.
• Stop sending you marketing email, calls, or texts.
• Limit how we contact you about an open quote.

Email Insurance@monarchriskfl.com or call (239) 310-2727 and we will respond within a reasonable time, generally within 30 days. We may need to verify your identity first. Some records — such as those tied to a placed policy — must be retained even after a deletion request.

Our site links to carrier portals, government resources, and other third-party websites. Once you leave monarchriskfl.com, this policy no longer applies. Please review the privacy notice of any site you visit before sharing information with it.

We may update this policy as our services, vendors, or legal obligations change. The effective date at the top of the page shows when it was last revised. Material changes will be posted here, and continued use of the site after an update means you accept the revised policy.

Questions about this policy or about the information we hold? Contact Monarch Risk:

• Email: Insurance@monarchriskfl.com
• Phone: (239) 310-2727
• Serving Southwest Florida — Lee, Collier & Hendry counties

See also our Terms of Service and Accessibility Statement.