Privacy Policy
Roache Insurance & Financial Services Alliance Inc
DBA Michael Roache Insurance Agency
11350 McCormick Rd, EP2, STE 101
Hunt Valley, MD 21031 USA
Effective Date: January 1, 2026
Our Commitment to Your Privacy
We are committed to protecting the privacy and security of your personal information. As an independent insurance broker licensed in Maryland (home state), Virginia, Delaware, Pennsylvania, and West Virginia, we help individuals and businesses obtain insurance coverage from a variety of insurance companies (carriers) in all personal lines (such as auto, home, renters, life, and other individual coverages) and commercial lines (such as business property, liability, workers’ compensation, and other commercial coverages). We collect, use, and share your information only as necessary to provide these services, process applications, service policies, handle claims, and comply with legal obligations.
This Privacy Policy explains:
- The types of information we collect
- How we collect it
- How we use and share it
- Your choices and rights regarding your information
- How we protect your information
Information We Collect
We may collect information obtained in connection with providing insurance products or services. This may include:
- Application and Policy Information: Name, address, date of birth, driver’s license number, occupation, marital status, email, phone number, and details about the property, vehicles, business, or risks to be insured.
- Driving Records: Information from consumer reports, motor vehicle records, claims databases, prior insurers, public records, or third parties (such as credit bureaus or loss control inspectors).
- Property and Coverage Details: Information about insured property (e.g., home address, vehicle VIN), claims history, and policy coverage selections
We may also collect information automatically when you interact with our website (if applicable), such as IP address, browser type, and usage data via cookies. SMS consent is not shared with third parties for marketing purposes.
How We Collect Information
- Directly from you (via applications, quotes, emails, phone calls, or forms).
- From insurance carriers, underwriters, or service providers involved in your coverage.
- From third parties such as credit reporting agencies, claims databases (e.g., CLUE, ISO), motor vehicle departments (relevant in MD, VA, DE, PA, WV), or public records.
- From your employer or business (for commercial lines policies).
How We Use Your Information
We use your information to:
- Provide insurance quotes, process applications, bind coverage, and issue policies.
- Service your policies (e.g., billing, endorsements, renewals).
- Process and investigate claims.
- Detect and prevent fraud.
- Comply with legal, regulatory, and contractual obligations in Maryland, Virginia, Delaware, Pennsylvania, West Virginia, and other applicable jurisdictions.
- Improve our services and perform internal business operations (such as analytics).
Sharing Information
As permitted or required by law (including under GLBA and state insurance laws in MD, VA, DE, PA, WV), we may share your information without your opt-out consent in these situations:
- With insurance companies/carriers to obtain quotes, place coverage, underwrite risks, and administer policies.
- Operate our website or services (e.g., hosting or messaging platforms)
- To comply with legal requirements, respond to subpoenas/court orders, or protect against fraud.
If you consent to receive SMS messages from Michael Roache Insurance Agency, you agree to receive agency updates, policy renewal and policy review reminders.
Reply STOP to opt out at any time
Reply HELP for support
Message & data rates may apply
Messaging frequency may vary
Visit https://michaelroacheinsurance.com/privacy-policy/ to see our privacy policy and terms and conditions
All service providers are required to keep your information confidential.
Opt-Out Rights for Certain Sharing
Under GLBA, you have the right to opt out of certain sharing of your personal information with nonaffiliated third parties for their own marketing purposes. If this applies, we will provide a separate opt-out notice and instructions (e.g., toll-free number or email). Most of our sharing (e.g., with carriers for quoting/placement or service providers under contract) falls under GLBA exceptions and does not require opt-out.
How We Protect Your Information
We maintain physical, electronic, and procedural safeguards to protect your information from unauthorized access, use, or disclosure. These include secure storage, encryption (where appropriate), access controls, and employee training. While no system is completely secure, we take reasonable steps to protect your data in compliance with GLBA Safeguards Rule and applicable state requirements.
Your Rights and Choices
- Access and Correction: You may request access to or correction or deletion of your information we hold (subject to legal exceptions). Contact us using the information below.
- Opt-Out: Opt out of SMS communications at any time by replying STOP.
- Withdrawal of Consent: Where we rely on your consent, you may withdraw it (though this may affect our ability to provide services).
- Disable cookies through your browser settings
- Complaints: If you have concerns, contact us or your state insurance department (Maryland Insurance Administration, Virginia SCC Bureau of Insurance, Delaware Department of Insurance, Pennsylvania Insurance Department, or West Virginia Offices of the Insurance Commissioner).
Retention of Information
We retain your information as long as necessary to provide services, comply with legal obligations (including state record retention rules), resolve disputes, or enforce agreements. Retention periods vary based on state and federal requirements.
Third-Party Links
Our website may contain links to external websites. We are not responsible for the privacy practices of those sites.
Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted here with an updated effective date. We encourage you to review it periodically.
Contact Us
If you have questions about this Privacy Policy or our practices, please contact:
Roache Insurance & Financial Services Alliance Inc
DBA Michael Roache Insurance Agency
11350 McCormick Rd, EP2, STE 101
Hunt Valley, MD 21031 USA
Phone: 1-888-660-0618
Email: [email protected]
Our website address is: https://www.michaelroacheinsurance.com
Thank you for trusting us with your insurance needs. We value your business and your privacy.