Privacy Policy

Effective Date: March 17, 2026
Applies to: https://cheapworkerscompflorida.com and all subpages operated by Cheap Workers Comp Florida

Please read this Privacy Policy carefully. By accessing or using this website — including entering any information into any form, tool, or field, regardless of whether you complete or submit that form — you acknowledge that you have read, understood, and agree to the data practices described below.

1. Who We Are

Cheap Workers Comp Florida ("we," "us," or "our") is a Florida-licensed insurance agency (License #L077476) operating at 1009 10th Ave. W. Palmetto, FL 34221. We operate an online workers' compensation quote and referral platform connecting Florida businesses with workers' compensation insurance programs, Professional Employer Organizations (PEOs), and licensed carriers.

2. Information We Collect

2a. Information You Actively Provide

We collect information you enter into our website, including but not limited to:

• Name, company name, email address, and phone number
• Business type, payroll figures, number of employees, and workers' compensation class codes
• Current insurance rates and carrier information
• Any other information entered into our quote tool, contact forms, estimator tools, or any other form or field on this website

2b. Partial and Pre-Submit Data Collection

We collect and retain information you enter into our forms and tools even if you do not complete or submit the form. When you begin entering information into our quote tool or any other form on this website, that information may be captured, stored, and processed as described in this policy — regardless of whether you click a submit button or complete the process. This includes, without limitation, your email address, name, and any other data you type or select. By entering any information into our website, you expressly consent to this collection.

2c. Automatically Collected Information

We automatically collect certain technical information when you visit our website, including:

• IP address, browser type, operating system, and device type
• Pages viewed, time spent on pages, and referring URLs
• Cookie and session data (see Section 7)

3. How We Use Your Information

We use the information we collect for any or all of the following purposes:

• To provide our services — generating workers' compensation quotes, connecting you with carriers and PEOs, and responding to your inquiries
• To follow up on your quote or inquiry — including contacting you by email, phone, or text regarding your submitted or partially submitted information
• To send automated email communications — including quote summaries, follow-up sequences, re-engagement emails, and educational content about workers' compensation, PEOs, and related topics. These communications may be sent to you whether or not you completed a form submission, if you entered your email address into any field on our website.
• To market our services — we may contact you about our services, promotions, and industry updates via email, phone, or other channels you have provided
• To improve our website and tools — analyzing usage patterns, optimizing the quote tool, and improving user experience
• For internal business purposes — record keeping, lead tracking, analytics, and business intelligence
• To comply with legal obligations — including insurance licensing requirements and applicable Florida law

We reserve the right to use any non-sensitive information you provide for any lawful business purpose, including but not limited to marketing, analytics, product development, and service improvement, subject only to the limitations in this policy and applicable law.

4. Email Communications and Opt-Out

By providing your email address on this website — including by typing it into any form field, whether or not you submit that form — you expressly consent to receive email communications from us, including automated follow-up sequences, quote recaps, educational content, and promotional messages.

You may opt out of marketing emails at any time by clicking the "unsubscribe" link included in every marketing email we send, or by contacting us directly at info@cheapworkerscompflorida.com. Transactional emails (such as quote confirmations and service-related notices) are not subject to opt-out. We comply with the CAN-SPAM Act of 2003 in all commercial email communications.

5. Phone and Text Communications

By providing your phone number, you consent to being contacted by phone or text message regarding your inquiry, quote, or our services. Standard message and data rates may apply. You may opt out of text messages by replying STOP at any time. We comply with the Telephone Consumer Protection Act (TCPA) and do not engage in autodialed or pre-recorded calls without appropriate consent.

6. Information Sharing and Disclosure

We do not sell your personal information to unaffiliated third parties for their own marketing purposes. However, we may share your information in the following circumstances:

• Insurance carriers and PEOs — Your information may be shared with licensed insurance carriers, PEOs, and related entities as necessary to obtain quotes, process applications, or bind coverage.
• Service providers — We work with third-party vendors (including email delivery, analytics, CRM, and hosting providers) who process data on our behalf and are contractually bound to protect it.
• Business transfers — In the event of a merger, acquisition, or sale of all or part of our business or assets, your information may be transferred as part of that transaction. We will notify you via email or prominent notice on our website of any such change.
• Legal compliance — We may disclose information when required by law, court order, or governmental authority, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• With your consent — We may share your information for any other purpose with your explicit consent.

7. Cookies and Tracking Technologies

We use cookies and similar technologies for the following purposes:

• Essential cookies — Required for the website to function, including session management and form state.
• Analytics cookies — We use Google Analytics 4 to collect anonymous usage data including page views, session duration, and conversion events. Google Analytics may set its own cookies. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.
• Preference cookies — We store your cookie consent choice for 365 days so we don't repeat the prompt.
• Remarketing — We may in the future use third-party advertising pixels (including Meta/Facebook) to serve relevant advertisements to users who have visited our website. These technologies may collect data about your browsing behavior across sites.

You may disable cookies in your browser settings; however, doing so may affect the functionality of this website. By clicking "Accept" on our cookie consent notice, you consent to our use of cookies as described above.

8. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, unless a longer retention period is required by law. Specifically:

• Quote submissions and associated contact information are retained indefinitely for business and compliance purposes unless you request deletion.
• Partial form submissions (data entered but not submitted) are retained for up to 24 months.
• Email communication logs are retained for up to 3 years.
• Server logs are retained for up to 12 months.

9. Your Rights and Choices

You have the right to:

• Access — Request a copy of the personal information we hold about you.
• Correction — Request that we correct inaccurate or incomplete information.
• Deletion — Request deletion of your personal information, subject to our legal and business record-keeping obligations. Note that deleting your information will not unsend emails already delivered.
• Opt out of marketing — Unsubscribe from marketing emails at any time (see Section 4).
• Data portability — Request a portable copy of the information you provided to us.

To exercise any of these rights, contact us at info@cheapworkerscompflorida.com or 1-877-315-COMP (2667). We will respond within 30 days.

10. Security

We implement reasonable technical and organizational measures to protect your information from unauthorized access, disclosure, alteration, or destruction. These measures include encrypted transmission (HTTPS), access controls, and secure credential storage. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security. In the event of a data breach affecting your personal information, we will comply with applicable notification requirements under the Florida Information Protection Act (FIPA), Fla. Stat. § 501.171.

11. Children's Privacy

This website is not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately.

12. Third-Party Links

Our website may contain links to third-party websites (including carrier websites, government resources, and review platforms). We are not responsible for the privacy practices of those sites and encourage you to review their policies separately.

13. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. Changes are effective immediately upon posting. Your continued use of this website after any modification constitutes your acceptance of the updated policy. We will update the effective date at the top of this page when changes are made. For material changes, we may also send notice to the email address associated with your account or quote submission.

14. Florida Law and Jurisdiction

This Privacy Policy is governed by the laws of the State of Florida. Any disputes arising under this policy shall be subject to the exclusive jurisdiction of the state and federal courts located in Manatee County, Florida.

15. Contact Us

For questions, requests, or concerns regarding this Privacy Policy:

Cheap Workers Comp Florida
1009 10th Ave. W. Palmetto, FL 34221
info@cheapworkerscompflorida.com
1-877-315-COMP (2667)
Florida Insurance License #L077476