Privacy Policy
Action Over Insurance NY
Effective Date: June 18, 2026 | Last Updated: June 26, 2026
Opening Disclosure
Action Over Insurance NY is an online marketing brand and website used to collect insurance inquiries from contractors, business owners, property owners, and other prospective insurance customers. Action Over Insurance NY is not an insurance agency, insurance carrier, managing general agency, wholesaler, or underwriter.
Insurance-related services are provided by Insurance Time NYC, a licensed insurance agency. Insurance Time NYC receives and reviews inquiries submitted through this website and may contact you, prepare submissions, communicate with insurance carriers, wholesalers, managing general agencies, underwriters, or other insurance-related parties, and assist with quoting, placing, or servicing insurance coverage.
This Privacy Policy explains how information submitted through actionoverinsuranceny.com is collected, used, shared, retained, and protected. In this Privacy Policy, “Site” means actionoverinsuranceny.com; “Action Over Insurance NY” means the marketing brand and website; and “Agency,” “we,” “us,” or “our” means Insurance Time NYC and its authorized representatives, unless the context clearly refers only to the website brand.
By using the Site, submitting a form, calling, emailing, texting, or otherwise providing information through the Site, you agree to the practices described in this Privacy Policy.
1. Information We Collect
We may collect information that you provide directly through the Site, by phone, by email, by text message, or through other communications with us. This may include your name, business name, email address, phone number, business address, job location, trade or business type, insurance coverage requested, contract requirements, certificate requirements, current insurance information, claims history, revenue, payroll, subcontractor information, operational details, and any documents, forms, or additional information you choose to provide.
We may also collect limited technical information automatically when you visit the Site, such as your IP address, browser type, device type, pages viewed, referring website, date and time of visit, general location information, and website usage information. This information may be collected through cookies, analytics tools, advertising tools, server logs, pixels, or similar technologies.
2. How We Use Your Information
Insurance Time NYC may use information submitted through the Site to respond to your inquiry, communicate with you, evaluate insurance needs, review trade, revenue, claims history, contract requirements, current coverage, and underwriting information, prepare applications or submissions, submit information to insurance carriers, wholesalers, managing general agencies, program administrators, underwriters, or other insurance markets, assist with quotes, proposals, certificates, endorsements, renewals, or policy servicing, operate and improve the Site, measure advertising and lead-source performance, prevent fraud or misuse, maintain business and insurance records, and comply with legal, regulatory, licensing, cybersecurity, and recordkeeping obligations.
3. How Your Information Is Shared
We do not sell your personal information.
Information submitted through Action Over Insurance NY may be shared with Insurance Time NYC, the licensed insurance agency responsible for reviewing and handling insurance inquiries submitted through the Site.
Insurance Time NYC may share information with insurance carriers, wholesale brokers, managing general agencies, underwriters, program administrators, premium finance companies, certificate or policy servicing vendors, website hosting providers, form providers, CRM providers, email providers, phone providers, analytics providers, advertising providers, legal professionals, compliance professionals, accountants, regulators, courts, government agencies, or other parties when reasonably necessary for insurance, business, legal, regulatory, security, or compliance purposes.
We may share only the information reasonably necessary for the purpose involved.
4. Insurance Submissions and Carrier Review
When you request an insurance quote or provide information for insurance purposes, your information may be reviewed by Insurance Time NYC and may be submitted to insurance carriers, wholesalers, managing general agencies, underwriters, program administrators, or other insurance markets.
Submitting information through the Site does not guarantee that coverage will be available, that a quote will be provided, or that any policy will be issued. Coverage is subject to underwriting review, carrier approval, policy terms, exclusions, conditions, and payment of premium.
5. Phone, Email, and Text Communications
If you provide your phone number or email address, you authorize Insurance Time NYC, its authorized representatives, and service providers acting on its behalf to contact you about your inquiry, quote request, application, coverage needs, policy servicing, certificates, renewals, or related insurance services.
You may receive calls, emails, or text messages. Message and data rates may apply. You may opt out of marketing text messages by replying STOP or by contacting us directly. Opting out of marketing communications does not prevent us from contacting you regarding an active quote request, application, policy, certificate request, servicing issue, legal matter, or other transactional insurance-related communication.
6. Cookies and Website Tracking
The Site may use cookies, pixels, analytics tools, advertising tools, or similar technologies to help operate the Site, understand visitor activity, improve performance, measure marketing results, and maintain security.
You can adjust your browser settings to block or delete cookies. Some parts of the Site may not function properly if cookies are disabled.
7. Data Retention
We may retain information for as long as reasonably necessary to respond to your inquiry, provide insurance-related services, maintain business records, comply with legal and regulatory obligations, resolve disputes, prevent fraud, and enforce our rights.
Information related to insurance quotes, applications, submissions, policies, claims, certificates, endorsements, or servicing may be retained as required or permitted by applicable insurance laws, agency recordkeeping obligations, carrier requirements, and business practices.
8. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect information submitted through the Site. However, no website, email system, phone system, text system, or electronic storage method is completely secure. We cannot guarantee absolute security.
You should not submit sensitive personal information through the Site unless it is necessary for your insurance request.
9. Your Choices
You may contact us to request access to, correction of, or deletion of personal information you have provided, subject to legal, regulatory, insurance, recordkeeping, and business retention requirements.
Certain information may not be deleted if it is needed to comply with insurance laws, maintain quote or policy records, respond to legal issues, prevent fraud, or satisfy regulatory obligations.
10. Third-Party Websites
The Site may contain links to third-party websites, including insurance carrier websites, service provider websites, or other external resources. This Privacy Policy applies only to information collected through actionoverinsuranceny.com and does not apply to third-party websites. We are not responsible for the privacy practices, content, or security of third-party websites.
11. Children’s Privacy
The Site is intended for business owners, contractors, property owners, and commercial insurance prospects. It is not directed to children under the age of 18. We do not knowingly collect personal information from children.
12. No Insurance Coverage Created by Website Use
Using this Site, submitting a form, sending an email, calling, texting, or otherwise contacting us does not create insurance coverage, bind coverage, modify any policy, guarantee a quote, or guarantee that any policy will be issued. No coverage is bound unless confirmed in writing by an authorized licensed insurance representative or insurance carrier. Coverage is subject to underwriting review, carrier approval, policy terms, exclusions, conditions, and payment of premium.
13. Brand and Licensed Agency Disclosure
Action Over Insurance NY is a marketing brand and website used to collect insurance inquiries. Action Over Insurance NY is not an insurance company, insurance carrier, managing general agency, wholesaler, underwriter, or separately licensed insurance agency.
Insurance services are provided by Insurance Time NYC, a licensed insurance agency. Any insurance quote, application, submission, binder, policy, certificate, endorsement, renewal, or servicing request is handled by Insurance Time NYC and/or applicable insurance carriers, wholesalers, managing general agencies, underwriters, or other authorized insurance markets.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The “Last Updated” date above reflects the most recent version. Continued use of the Site after changes are posted means you accept the updated Privacy Policy.
15. Contact Us
Action Over Insurance NY
A website operated by Insurance Time NYC
Phone: (212) 280-0888
Email: hi@actionoverinsuranceny.com
Address:
2177 36th Street Suite 2B
Astoria, NY 11105
Website: actionoverinsuranceny.com
Insurance services are provided by Insurance Time NYC, a licensed insurance agency.