Privacy Policy

KTL Business Insurance Services ("KTL," "we," "our," or "us") is an independent commercial insurance agency licensed in California (#0D86601), Arizona (#142446), Nevada (#173532), and appointed in most U.S. states. This policy explains what information we collect through ktlbusinessins.com and how we use it.

Information we collect

When you submit a quote request, contact form, or callback request, we collect the information you provide — typically your name, business name, email address, phone number, state, industry, and details about your operation needed to place an accurate quote. When you visit the site, our hosting and analytics tools may log standard server information such as IP address, browser type, referring page, and pages viewed.

How we use it

We use the information you submit to respond to your request, prepare quotes with insurance carriers, service policies, and communicate with you about your coverage. Analytics data is used only to understand which pages help business owners find the coverage they need. We do not sell your personal information.

Sharing with carriers

To place a quote, we share the information you submit with insurance carriers and wholesale markets whose products fit your business. Those carriers have their own privacy practices. If you decline to move forward, we do not continue sharing your information for new quotes.

Cookies and analytics

The site uses privacy-respecting analytics with IP anonymization to measure page performance. We do not use third-party advertising trackers on this site.

Your choices

You can request access to, correction of, or deletion of your personal information by emailing info@ktlinsurance.com. California residents have additional rights under the CCPA/CPRA, including the right to know, delete, correct, and opt out of the sale or sharing of personal information — KTL does not sell personal information.

Contact

Questions about this policy? Email info@ktlinsurance.com or call 858-350-0555.