This Privacy Policy describes how POLICYGENIUS BGA LLC collects, uses, shares and safeguards personal information in the course of running its marine and benefits underwriting desk. The developer name PolicyGenius BGA and the operating company POLICYGENIUS BGA LLC are used interchangeably throughout this document to refer to the same organization that maintains its station at 600 Steamboat Rd Ste 105, Greenwich - 06830-7181, United States (US).
1. Scope of This Policy
This policy applies to personal information that POLICYGENIUS BGA LLC collects through this website, through correspondence with our underwriting desk, and through the ordinary course of quoting, binding and servicing marine and benefits coverage. It applies to visitors who only read these pages, to owners and marina managers who request a quotation, and to crew members whose details reach us in connection with a benefits program.
It does not apply to the separate practices of insurer partners, adjusters or other third parties who may handle information under their own policies. Where a program is placed with a partner market, that partner may act as an independent controller of the information it receives, and its own privacy notice will govern that handling. We encourage every person to read the privacy notice of each organization that receives their details.
By using this website or sending information to the desk, you acknowledge that you have read this policy. If you do not agree with it, please do not submit personal information through the website or by email, and contact us so we can discuss an alternative arrangement.
2. Who We Are
POLICYGENIUS BGA LLC is a general agency and benefits underwriting desk that rates, binds and services coverage programs for boat owners, marinas, charter fleets and coastal small businesses. Our station is located at 600 Steamboat Rd Ste 105, Greenwich - 06830-7181, United States (US). The developer name associated with this website is PolicyGenius BGA, and the operating company is POLICYGENIUS BGA LLC.
For the purposes of applicable data protection law, POLICYGENIUS BGA LLC is the controller of the personal information it collects for its own underwriting and administrative purposes. As a controller, the company decides why and how that information is processed, and it is responsible for answering questions about that processing.
You can reach the company by telephone at +16086533417 or by email at hello@policygeniusbga.lol. Written correspondence may be addressed to the station at 600 Steamboat Rd Ste 105, Greenwich - 06830-7181, United States (US).
3. Information We Collect
We collect information that you provide directly to us, information that we generate while servicing your file, and information that is collected automatically as you use the website. The categories below describe what we gather in each case.
Information you provide
- Identity details such as name, business name and role.
- Contact details such as postal address, email address and telephone number.
- Risk details such as vessel particulars, marina berth counts, values and survey reports.
- Coverage details such as prior policies, loss history and claims information.
- Benefits details such as crew roster information provided by an operator.
- The content of any message, enquiry or document you send to the desk.
Information we generate
While servicing a file we create records such as quotation notes, ledger entries, survey summaries, correspondence logs and renewal reminders. These records describe the risk and the terms discussed, and they are kept so that a future claim or renewal can be handled from a known position.
Information we receive from others
We may receive information about you from a broker, an introducing agent, a surveyor, a marina manager or a partner market in the course of placing or servicing coverage. Where you are a crew member under a benefits program, your employer or the operator may provide your details to us for enrollment purposes.
4. Information Collected Automatically
When you visit this website, our hosting environment may record technical information that is standard for web servers. This can include the internet protocol address associated with your connection, the type of browser and device you use, the pages you view, the time of your visit and the address of the page that referred you.
This technical information is used to keep the website available and secure, to understand which pages are useful and to diagnose faults. It is not used to build an advertising profile of you, and it is not sold to any third party for marketing purposes.
Where a setting in your browser limits the technical information that is shared, some parts of the website may behave differently. The website is designed to remain readable even when such limits are in place.
5. How We Use Information
We use personal information for the purposes for which it was provided and for closely related purposes that a reasonable person would expect. The principal uses are set out below.
- To respond to enquiries and correspond with owners, operators and their representatives.
- To assess, rate and quote marine and benefits coverage.
- To bind coverage, issue certificates and service the resulting policy.
- To support a claim, including by assembling documentation for an adjuster.
- To conduct renewal reviews and to recommend terms for the coming term.
- To maintain accurate records of the risks on our ledger.
- To meet legal, regulatory and accounting obligations that apply to our business.
- To protect the desk against fraud, misuse and security threats.
We do not use personal information to make automated decisions that produce legal effects without human involvement. A qualified person reviews every file before terms are offered or a binding is issued.
6. Legal Bases for Processing
Where the law requires a legal basis for processing, we rely on one or more of the following. First, performance of a contract, where processing is necessary to quote, bind or service coverage that you or your organization has requested. Second, our legitimate interests in running an underwriting desk, which include assessing risk, preventing fraud and maintaining accurate records, balanced against your rights and expectations.
Third, compliance with a legal obligation, where we are required to retain or disclose information by law or by a competent authority. Fourth, your consent, where we ask for it expressly, such as when you choose to receive updates from the desk. Where we rely on consent, you may withdraw it at any time without affecting processing carried out before the withdrawal.
Where you provide information about another person, such as a crew member or a co owner, you confirm that you have the authority to do so and that the person has been given this policy or an equivalent explanation of how their information will be handled.
8. Sharing with Underwriters and Markets
The central purpose of an underwriting desk is to place risk with a market that is willing to carry it. To do that, we must describe the risk to one or more insurer partners. That description will usually include the information needed for the market to assess the exposure, such as the nature of the vessel or premises, the values involved, the loss history and the contact details of the person seeking cover.
We share the minimum information a market needs to assess the risk. Where a market declines a file, we do not forward that file onward without a further instruction, unless you have asked us to approach several markets at once. Where several markets are approached, each receives the information needed to return a quotation.
Once a market binds a risk, that market becomes responsible for the information it holds under its own privacy notice, and it may contact you directly about the policy it has issued. Any question about the handling of information by a market should be directed to that market, although our desk will always help you find the right contact.
10. Data Retention
We keep personal information only for as long as it is needed for the purpose for which it was collected, and for any additional period required by law. Underwriting files are ordinarily kept for the life of the policy and for a period afterward, because claims can arise long after a term ends and because accounting and regulatory rules require records to be available for inspection.
When information is no longer needed, we take reasonable steps to delete it or to render it incapable of identifying a person. Where a legal obligation or a legitimate business need requires longer retention, such as the defence of a legal claim, we retain the relevant information for the period required and then dispose of it securely.
Retention periods are reviewed periodically so that obsolete data does not accumulate on our systems simply because a routine deletion step was never performed.
11. How We Protect Information
We apply administrative, technical and physical safeguards that are appropriate to the sensitivity of the information we hold. These include limiting access to files to those who need them for a legitimate purpose, keeping records in controlled systems, and training the staff who handle personal information.
No method of transmission over the internet and no method of electronic storage is entirely secure. While we work to protect personal information, we cannot guarantee absolute security. If we become aware of a security incident that affects personal information, we will take reasonable steps to contain it, to notify those affected where the law requires it, and to report to the relevant authority where such a report is mandatory.
You can help protect your own information by using a secure connection when sending details to the desk and by telling us promptly if you believe an email or message claiming to come from POLICYGENIUS BGA LLC is not genuine.
12. Your Rights and Choices
Depending on where you live, you may have rights over the personal information we hold about you. These commonly include the right to be told what information we hold and why, to receive a copy of it, to ask us to correct information that is inaccurate, to ask us to delete information that is no longer needed, and to ask us to limit how it is used.
You may also have the right to object to processing based on our legitimate interests, to withdraw consent where we rely on it, and to ask for information to be provided in a portable form. Where you believe our handling is unlawful, you may complain to the supervisory authority in your jurisdiction.
To exercise a right, contact the desk by email at hello@policygeniusbga.lol or by telephone at +16086533417. We may ask for information to confirm your identity before acting on a request, and we will respond within the period the applicable law allows. There is no charge for a reasonable request.
13. Privacy for Children
This website and the services it describes are intended for adults and business users. They are not directed at children, and we do not knowingly collect personal information from a child through the website. If you believe that a child has provided information to us, please contact the desk so that we can investigate and, where appropriate, remove the information.
Where a benefits program touches a household that includes a child, any information about that child is provided by an adult with the authority to do so and is handled only for the purpose of the program. Such information is not used for marketing and is not shared beyond the parties needed to administer the coverage.
Our desk does not ask for more information about any person than the assessment of a risk or the administration of a program requires.
14. Third Party Websites
This website may link to the websites of partner markets, regulators or other organizations. Those websites are operated by others and are not under our control. This policy does not apply to them, and we are not responsible for their content or their handling of personal information.
When you follow a link away from our pages, we encourage you to read the privacy notice of the website you reach before providing any personal information. If a link on our site appears to lead somewhere unexpected, please let the desk know so that we can review it.
A link from our pages is not an endorsement of the practices of the site it reaches, and it does not extend our responsibilities to that site.
15. International Transfers
Our station is in the United States, and the information we collect is ordinarily processed there. Where a broker, a market or a service provider is located in another country, personal information may be transferred across a border so that a file can be serviced. When we arrange such a transfer, we take reasonable steps to ensure that the information continues to receive an appropriate level of protection.
Where the law of your jurisdiction requires a specific safeguard for a transfer, such as a contractual clause or an equivalent mechanism, we will put that safeguard in place before the information leaves the country. If you would like to know which safeguard applies to your information, contact the desk and we will explain the arrangement for your file.
16. Changes to This Policy
We review this policy from time to time and may update it to reflect changes in our practices, in the services we offer or in the law that applies to us. When we make a material change, we will update the effective date at the top of the page and, where appropriate, provide a more prominent notice.
The version published on this page is the current version and replaces any earlier version. Your continued use of the website after an update takes effect indicates that you accept the revised policy. If you do not accept a change, please stop using the website and contact the desk to discuss how we can help you with an alternative.
We keep earlier versions available on request so that you can see what changed and when.
17. How to Reach Us
Questions about this policy, or about the way POLICYGENIUS BGA LLC handles personal information, are welcome at any time. The fastest routes to the desk are email and telephone during business hours.
- Organization: POLICYGENIUS BGA LLC
- Address: 600 Steamboat Rd Ste 105, Greenwich - 06830-7181, United States (US)
- Email: hello@policygeniusbga.lol
- Phone: +16086533417
If you are not satisfied with our response, you may raise the matter with the supervisory authority that covers your jurisdiction. We will cooperate with any such authority in the resolution of a concern.