USA Business Insurance Services, Inc.
Last Updated: February 11, 2026
This Privacy Policy (“Privacy Policy”) explains how USA Business Insurance Services, Inc. (“USA Business Insurance,” “we,” “us,” “our”) collects, uses, stores, and shares information about you when you use our websites, quote flows, applications, customer portals, and related services (collectively, the “Services”).
In California, we do business as American Liability Insurance (where applicable).
If any part of this Privacy Policy is unacceptable to you, do not use the Services or provide us with information.
This Privacy Policy is part of, and should be read together with, our Terms & Conditions (Terms of Use).
This Privacy Policy applies to information collected:
through our websites, portals, and online quoting experiences;
through our communications with you (phone, email, SMS, mail);
from other sources in connection with insurance quoting, underwriting, servicing, billing, compliance, and fraud prevention, as permitted by law.
This Privacy Policy does not apply to third‑party websites or services, even if they link to us or we link to them. Third parties may have their own privacy practices and may collect information using their own cookies, pixels, or tracking tools.
“Personal Data” generally means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked (directly or indirectly) with an individual.
Depending on your interactions with us, Personal Data may include:
identifiers (name, address, phone, email, driver’s license number, or similar identifiers);
business information that can be linked to an individual (for example, ownership details);
insurance, claims, and underwriting information;
online identifiers and device data (IP address, device identifiers, browser data).
Some information (like Social Security number or financial account details) may be treated as sensitive under certain laws when collected.
We may collect Personal Data to underwrite, solicit, sell, negotiate, and service insurance products and related services. This may include:
contact information (name, address, phone, email);
business information (legal entity, industry, years in business, locations, payroll, revenue, subcontractor usage, operations and exposures);
coverage details (requested limits, effective dates, prior coverage);
loss/claims history and prior insurance information;
professional licensing or trade licensing information (when relevant to underwriting);
vehicle and driver information for commercial auto, such as:
number of vehicles, VINs,
garaging/parking location,
registered owner information,
ownership status (leased/financed/owned) and lienholder/leaseholder (if applicable),
primary use, annual mileage,
driver’s license number, licensing history, accidents/incidents;
account and portal history (if you create or use an account);
information you submit through customer service channels (contact forms, email, chat, or phone).
If you provide information about owners, employees, drivers, or other individuals, you represent you have the authority to do so and have provided any legally required notices and obtained any required consents.
When you use the Services, we may automatically collect:
IP address and general location (derived from IP);
browser type, operating system, device identifiers;
pages viewed, links clicked, time spent, referring/exit pages;
cookies and similar technologies (see “Cookie Policy” below).
We may collect information from third parties in connection with quoting, underwriting, servicing, billing, compliance, and fraud prevention—such as:
insurance carriers, brokers, MGAs, and underwriting partners;
claims history sources (where permitted);
credit reporting agencies (where permitted and for permissible purposes);
motor vehicle record sources for commercial auto underwriting (where permitted);
other vendors that support identity verification, compliance, analytics, or fraud prevention.
We may use Personal Data to:
provide quotes, applications, policy issuance support, and policy servicing;
underwrite, sell, solicit, and negotiate insurance products and services;
process payments and manage billing (including renewals, failed payments, and endorsements);
communicate with you about your account, requests, policies, renewals, and service needs;
determine eligibility and process applications for products and services;
provide customer support;
maintain business records, quality assurance, and staff training;
perform analytics, market research, decisioning, and improve our Services;
advertise and market products and services (subject to your choices and applicable law);
comply with legal and regulatory requirements and respond to lawful requests;
prevent fraud, abuse, and security incidents.
We may share Personal Data as needed to run our operations, including:
We may share information with insurance carriers, wholesale brokers, MGAs, underwriting partners, and related entities to quote, underwrite, bind (where available), issue, service, or renew coverage.
We may share Personal Data with service providers that perform services on our behalf (for example, hosting, analytics, communications, customer support tools, payment processing, and security). These providers are generally contractually restricted from using Personal Data for their own purposes except as needed to provide services or comply with law.
In some situations, if we are unable to assist with your insurance needs, we may share your information with other insurance professionals or third‑party providers who may be able to help. Depending on your state of residence and the nature of the sharing, this may be considered a “sale” or “sharing” of Personal Data under certain privacy laws. You may opt out where required by law by contacting us (see “Your Rights and Choices”).
We may disclose information:
to comply with laws, regulations, subpoenas, or legal process;
to protect the rights, safety, and property of our customers, our company, or others;
to investigate fraud, security incidents, or complaints;
as required for audits or regulatory examinations.
If we are involved in a merger, acquisition, reorganization, sale of assets, or similar transaction, information may be transferred as part of that transaction, subject to applicable law.
By providing Personal Data (including sensitive information), you consent to the disclosures described in this Privacy Policy to the extent permitted by law.
We retain Personal Data as long as necessary to fulfill the purposes for which it was collected, including servicing, compliance, dispute resolution, and fraud prevention—unless a shorter retention period is required or agreed to by contract.
We use reasonable administrative, technical, and physical safeguards designed to protect Personal Data. However, no system can be guaranteed 100% secure. You are responsible for protecting any account credentials and for using secure devices and networks when accessing online services.
If you receive promotional emails from us, you can opt out by using the unsubscribe instructions in the email. For other communications, you may contact us to update your preferences.
Certain communications are service‑related (for example, quoting follow‑ups, underwriting questions, billing notices, renewal reminders, or policy servicing) and may still be sent when necessary.
You may request access to, correction of, or updates to Personal Data you previously provided by contacting us. Please provide:
your current contact information,
the information you want to access or update,
and what you would like corrected.
We will respond as required by applicable law and subject to reasonable limitations (including protecting third‑party privacy).
Because an industry “Do Not Track” (DNT) standard has not been adopted, we do not currently respond to DNT signals.
Depending on where you live, you may have privacy rights under state law, which may include rights to:
request access to certain Personal Data we maintain;
request deletion of certain Personal Data (subject to exceptions);
correct inaccurate Personal Data;
opt out of certain uses, including targeted advertising or “sale/sharing” of Personal Data (as defined by applicable law);
appeal certain decisions (in some states).
To exercise applicable rights, contact us using the information in the “Contact Us” section below.
California residents with an established business relationship may request a list of certain third parties to which we disclosed Personal Data for direct marketing purposes during the prior calendar year. We are generally only required to respond once per calendar year. Requests should be mailed to our address below with the subject line “California Privacy Rights,” and should include confirmation you are a California resident and a current California address for our response.
We use cookies and similar technologies to support our Services.
Necessary cookies to help users navigate secure areas and enable core functionality.
Functional cookies to remember preferences (such as region or settings). Information from these cookies is often anonymized.
Performance/analytics cookies to understand how users interact with the Website (for example, how often pages are visited). This data may be combined with other information to analyze user activity.
We do not intentionally use targeting cookies on our Website for behavioral advertising. However, third‑party websites where we advertise may use their own cookies to measure campaign performance.
We may use web beacons or tracking pixels to understand whether users arrived at our site after viewing an advertisement elsewhere and to measure effectiveness. Web beacons may work with cookies to gather usage information. Web beacons themselves are not typically removable; however, you can limit cookies that enable tracking.
You can manage cookies through your browser settings (accept, reject, delete, and other controls). Blocking cookies may impair your experience and limit access to certain parts of the Website.
Some technologies (such as local storage objects) may not be controlled through standard browser settings. Where applicable, you may be able to manage these through device or platform settings.
We and our Services are based in the United States, and we offer insurance solutions for U.S. residents/businesses. By using the Services, you understand that information may be processed and stored in the United States.
Our Services are not designed for or directed at children under 18. No one under 13 may provide information to us through the Services. If we learn we collected Personal Data from a child in a manner not permitted by law, we will delete it.
We may update this Privacy Policy from time to time. The “Last Updated” date shows when it was last revised. Your continued use of the Services after changes means you accept the updated Privacy Policy.
If you have questions about this Privacy Policy or want to make a privacy request, contact us at:
USA Business Insurance Services, Inc.
1419 N. San Fernando Blvd, Suite 210
Burbank, CA 91504
Phone: (888) 900‑0205
Office Hours: Mon–Fri, 8AM–4PM PT
(888) 900 0205