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Business Insurance Online

Questions and Cancellations

What are the goods and services offered by Pearl Insurance?

Pearl Insurance offers business insurance policies through various carriers. Pearl Insurance markets and acts as administrator for these products, which includes services for policy-related questions, claim coordination, and an online premium payment option.

What are the insurance policy requirements for policy cancellation and refund?

If an insured elects to cancel his or her policy, a written request signed by the owner of the policy is required in order to process the cancellation.

All policy cancellation and refund requests need to include the following:
Policy Cancellation and Refund

If a refund is due to the insured for a mid-term policy cancellation, a refund will be issued to the insured’s credit card within 30 days of receipt of the cancellation notice.

Policy Cancellation requests should be sent to:
Pearl Insurance Administrator
1200 East Glen Ave.
Peoria Heights, IL 61616-5348 USA

What transaction currency is accepted?

Payments are only accepted in U.S. Dollars.

Are there any export or legal restrictions?

The information and materials provided on the website are intended for general reference only, and may not describe all of the terms, conditions, and exceptions applicable to Pearl Insurance’s products and services. All coverages are subject to the terms and conditions of the insurance policies issued. Coverage availability may vary by your individual circumstances and/or by additional minimum coverage limits that may be required within your state. The products and services offered on the website are only available in the jurisdictions in which Pearl Insurance is properly licensed.

What is the delivery policy?

Delivery of policy information will be sent to the insured via U.S. Postal Service or via securely encrypted email.

What is the privacy policy?

Our Commitment To Privacy

Your privacy is important to us. To better protect your privacy, we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used.

The Information We Collect

The only information we collect online is information that you voluntarily provide to us either because you have requested us to process a financial transaction or because you are seeking information or support from us. We primarily receive personal information as a result of consumers' financial transactions with Pearl Insurance or with Pearl Insurance business customers.

Pearl Insurance deletes all consumer data from its web servers upon completion of all credit card/EFT (Electronic Funds Transfer) transactions. Pearl Insurance does not retain consumer credit card account numbers, bank information, bank account information, or EFT routing data for its records or ongoing use. We use the latest technology, including digital certificates and secure servers, in an effort to ensure online payment transactions are as secure as possible.

When Pearl Insurance collects information directly from consumers, we obtain only the information that is needed to provide our goods or services, to provide customer service, and to fulfill any legal or regulatory requirements. When we obtain information about consumers from third parties, we use reputable sources, including public repositories.

The Way We Use Information

If you supply us with personal information on this website, you will only be contacted so that we can provide you with the service or information you have requested or to occasionally send you other information about Pearl Insurance and products or services we believe you will find interesting.

Personal information, such as your e-mail address, is not collected, unless you provide it to us. Pearl Insurance does not disclose domain name or aggregate information to third parties other than vendors who assist us with our website and who are under strict confidentiality requirements.

We never use or share the personally identifiable information provided to us online in ways unrelated to those described above without also providing you an opportunity to opt-out or otherwise prohibit such unrelated uses.

Our Commitment To Data Security

At Pearl Insurance, security is a priority. Pearl Insurance employs appropriate measures, including advanced technology, to protect personal information collected online against unauthorized access, disclosure, alteration, or destruction. These steps may include encryption, physical access security, dedicated lines, computer firewalls, and other appropriate technologies. Pearl Insurance reviews and enhances its security systems as necessary.

Pearl Insurance policies limit access to personal user information that is collected from this website to only those employees at Pearl Insurance and its affiliates or contractors who need the information to complete the transaction or otherwise provide the service to you or fulfill the business responsibilities, such as credit reporting, verification, and risk management.

All communications of your personal data will either be encrypted at the highest available levels of security or transmitted over a dedicated, secured lease line. Vendors and other outside contractors we engage are subject to our contractual requirements to ensure that sensitive personal information is safeguarded.

Additional Information

Pearl Insurance may create links to third party websites. Pearl Insurance is not responsible for the content of privacy practices employed by websites to which we are linked.

Our website is not directed at individuals under the age of 18.

We will disclose information in response to a lawful request issued by a court, government agency, or regulatory authority with the jurisdiction to make that request.

How to Contact Us

If you have any questions or comments regarding the Pearl Insurance Online Payment Privacy Statement, or for some reason believe that we have not adhered to our statement, please contact us. You may email Pearl Insurance at info@pearlinsurance.com, or call 800.447.4982. this online privacy statement is currently applicable only to our website customers and visitors in the united states.

What is the security method for the transmission of payment data?

Pearl Insurance secures your personal information from unauthorized access, use, or disclosure. We secure the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use, or disclosure. When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Still have questions?

Contact your sales representative at 800.447.4982.