Thank you for visiting our website. Please read the following conditions and information
Privacy and Security
Complete privacy, confidentiality and security are not yet possible over the Internet.
As a result, our Agency will not be responsible or liable for any harm or loss resulting
from use, communication or transmission of any information to or from this website.
Material is not to be copied from our website.
Use at Your own Risk and Information Accuracy
The contents and information of this website are given strictly for your convenience.
You must always consult with your insurance agent and refer to your specific insurance
policy declaration for specific coverage information about your policy. This information
is subject to change and updated at any time without prior notice.
The information in this Site is not to be relied upon for any financial, legal or
insurance purposes and is intended for information purposes only. We will not be
held responsible for any detrimental reliance you place on this Site or its content.
It is agreed that if you use of this website it shall be on an "as is" basis and
entirely at your own risk.
No Liability Implied or Stated
The Lubowicki Insurance Agency, its associated companies, its officers, directors,
associates, agents, or employees, or any other person associated with this Site,
shall not be liable or responsible for any harm, loss or damage (whether arising
in contract, tort negligence, or otherwise) that may arise in any connection with
use of this Site, including any indirect, direct, special, third party, or consequential
Every Insurance Policy package has limits and exclusions. It is the responsibility
of each individual and company to be knowledgeable and aware of the wordings and
coverage's for their Insurance Policy.
Hypertext Links Are Not Endorsements
Other websites that may be accessed from this website by hypertext links, are entirely
independent of this website and SHALL NOT BE in any manner construed as any reflection
on, or any affiliation with, or endorsement of such site, or entity, or its respective
products or services.
We value your visit to our website. Should you have any questions about this site,
these conditions, or products and services, please contact our office.
Use of Trademark and Logo Not Permitted
The display and use of trademarks in this website does not imply that a license
of any kind has been granted.
Site For Personal Use Only
The contents of this Site are for your own personal use. No one has permission to
copy, distribute disseminate, commercially exploit, republish, or otherwise communicate
any part of such contents in any manner whatsoever without the prior written consent
of our office.
IMPORTANT PRIVACY NOTICE
What do we do with the personal information we have collected from you?
Lubowicki Insurance Agency, Inc. does not disclose your personal information to
companies or organizations not affiliated with us that would use the information
we have provided them to contact you about their own products and services.
We may use your personal information for marketing purposes or to help you with
your overall insurance program. We may also use your personal information
to communicate with you about products, features, and options you have expressed
an interest in or that we believe may be of interest to you. In addition,
we may, as permitted by law and without your prior permission, provide personal
information about you contained in our records or files to persons or organizations
- persons who perform a business function for us,
- insurance support organizations,
- our affiliated insurance companies to support an insurance transaction involving
- independent claims adjustors,
- regulatory or law-enforcement authorities.
What kind of personal information do we have, and where did we get it?
As part of providing you with insurance and financial products or services, we may
obtain information about you from the following sources:
- Applications, forms, and other information that you provide to us, whether in writing,
in person, by telephone, electronically or by any other means. This information
may include your name, address, employment information, social security number,
income and health history.
- Your transactions with us or the companies we represent. This information
may include your account balances and payment history.
- Consumer reporting agencies. This information may include driving record information
and information about your creditworthiness.
- Public sources. This information may include real estate records and telephone
How do we protect you personal information?
Within the Lubowicki Insurance Agency, Inc. your personal information is available
only to those individuals who need to see it to fulfill and service your needs.
All our people work under strict standards and procedures to protect the confidentiality
of your personal information.