561-459-6663

Privacy Policy

Cornerstone Risk, LLC, d/b/a Cornerstone Risk Insurance LLC

Effective Date: August 27, 2026 Last Updated: August 27, 2026

1. Introduction

Cornerstone Risk, LLC, doing business as Cornerstone Risk Insurance LLC (“Cornerstone Risk,” “we,” “us,” or “our”), is a licensed insurance agency. This Privacy Policy explains how we collect, use, disclose, and protect information when you visit https://cornerstone-risk-solutions.com (the “Site”), request a quote, apply for or maintain a policy through us, or communicate with us by phone, email, or text message.

By using the Site or providing information to us, you acknowledge that you have read and understood this Privacy Policy.

As an insurance agency, we are also subject to federal and state privacy requirements applicable to financial institutions, including the Gramm-Leach-Bliley Act, and to the insurance regulations of the states in which we are licensed. Where those requirements are stricter than this policy, those requirements control.

2. Information We Collect

2.1 Information you provide directly

When you request a quote, submit an application, or otherwise engage our services, we may collect:

  • Name, mailing address, email address, and telephone numbers, including mobile number
  • Business or entity name, and your role or ownership interest
  • Property address, parcel identification, and property characteristics
  • Project details, including scope of work, construction type, estimated completion date, and project value
  • Loan information relevant to placing coverage, including lender name and loan amount
  • Prior insurance history, including prior carriers, claims history, and loss runs
  • Date of birth and, where required by a carrier for underwriting, other identifying information
  • Payment information, which is processed by our payment processor and is not stored on our servers
  • Any other information you choose to provide in correspondence with us

2.2 Information collected automatically

When you visit the Site, our web host may automatically log basic technical information, including IP address, browser type, operating system, device type, pages visited, referring URL, and date and time of access. This information is used to operate and secure the Site.

We do not use advertising pixels, retargeting tags, or third-party marketing trackers on the Site.

2.3 Information from third parties

To place and service insurance, we may receive information about you from:

  • Insurance carriers, wholesalers, managing general agents, and program administrators
  • Consumer reporting agencies and insurance-support organizations, to the extent permitted by law
  • Public records, including property records, permits, and notices of commencement
  • Lenders, contractors, title companies, or other parties involved in your transaction, where you have authorized the exchange of information
  • Referral sources who have directed you to us

3. How We Use Information

We use the information we collect to:

  • Respond to your inquiries and prepare insurance quotes
  • Submit applications to insurance carriers and wholesalers on your behalf
  • Bind, issue, service, endorse, renew, and cancel policies
  • Issue certificates of insurance and evidence of property insurance
  • Communicate with you about your quote, application, policy, billing, renewal, or claim
  • Assist you with claims reporting and follow-up
  • Comply with legal, regulatory, licensing, and recordkeeping obligations
  • Detect and prevent fraud
  • Operate, maintain, and secure the Site
  • Send you information about products or services that may be relevant to your coverage needs, where permitted by law and consistent with your communication preferences

4. SMS / Text Messaging Privacy

We do not share or sell mobile phone numbers, SMS opt-in data, or consent information with any third party for marketing purposes. No mobile information collected for the purpose of SMS communication will be sold, rented, or shared with third parties or affiliates for marketing or promotional purposes.

Text messaging originator opt-in data and consent will not be shared with any third parties.

Mobile phone numbers and consent records collected through our quote request forms, insurance applications, or client service channels are used solely to communicate with you about your insurance quote, application, policy, billing, renewal, or claim.

We do not enroll in our text messaging program any phone number obtained from public records, purchased or rented lists, data brokers, or any other source that does not involve your direct, affirmative consent. Text messages are sent only to individuals who have opted in through one of the methods described in our Terms & Conditions.

We may share information with service providers who assist us in delivering these messages, for example our messaging platform provider and our agency management system, strictly for the purpose of operating the messaging program. These providers are contractually restricted from using the information for any other purpose. Sharing of information with subcontractors for the sole purpose of providing customer support is permitted; all other sharing of SMS consent data is prohibited under this policy.

Consent to receive text messages is not a condition of obtaining a quote, purchasing a policy, or receiving any service from Cornerstone Risk.

You may opt out of receiving text messages at any time by replying STOP to any message

from us. Reply HELP for assistance, or contact us at (561) 459-6663 or Ryan@cornerstone-risk-solutions.com.

Message frequency varies. Message and data rates may apply. See our Terms & Conditions for the full text messaging terms.

5. How We Share Information

We share information only as described below. In no case do we sell your personal information, and in no case do we share mobile numbers or SMS consent data for marketing purposes.

5.1 Insurance carriers and intermediaries

To obtain quotes and place coverage, we transmit your application information to insurance carriers, wholesale brokers, managing general agents, program administrators, and surplus lines brokers. This is the core function of an insurance agency and is necessary to provide you with coverage.

5.2 Service providers

We use third-party vendors to operate our business, including our agency management system, website host, form provider, email provider, text messaging provider, document e-signature provider, and payment processor. These vendors are permitted to use your information only to perform services for us and are contractually restricted from using it for their own purposes.

5.3 Parties to your transaction, at your direction

Where you have authorized it, or where necessary to complete the transaction, we may share evidence of insurance or related information with your lender, mortgagee, loss payee, contractor, title company, or closing agent.

5.4 Legal and regulatory

We may disclose information when required by law, subpoena, court order, or regulatory demand, including to state insurance regulators, or where necessary to establish or defend legal claims, prevent fraud, or protect the safety of any person.

5.5 Business transfer

If Cornerstone Risk is involved in a merger, acquisition, or sale of all or part of its assets, information may be transferred as part of that transaction. Any acquirer will remain bound by the commitments in Section 4 regarding SMS data.

5.6 With your consent

We may share information for any other purpose disclosed to you at the time you provide it, with your consent.

6. What We Do Not Do

  • We do not sell your personal information.
  • We do not rent, sell, or share mobile phone numbers or SMS opt-in consent data with third parties or affiliates for marketing or promotional purposes.     
  • We do not share your information with unaffiliated third parties for their own independent marketing purposes.
  • We do not use advertising or retargeting technology on the Site.

7. Email Communications

If you provide your email address, we may send you transactional messages relating to your quote, application, policy, or claim, as well as occasional informational messages about coverage topics. You may unsubscribe from non-transactional email at any time using the link in any such message, or by contacting us at (561) 459-6663 or Ryan@cornerstone-risk-solutions.com. We will continue to send transactional and service-related messages necessary to administer your policy.

8. Cookies

The Site uses only cookies necessary for the Site to function and to keep it secure. We do not use advertising cookies, retargeting pixels, or third-party marketing trackers.

Most browsers allow you to refuse or delete cookies through browser settings. Disabling cookies may affect the functionality of the Site.

9. Data Retention

We retain information for as long as necessary to provide our services and to comply with legal, regulatory, and licensing recordkeeping requirements applicable to licensed insurance agencies in the states where we operate. Records of SMS consent are retained for a minimum of five years from the date consent was given or withdrawn.

10. Data Security

We maintain administrative, technical, and physical safeguards designed to protect information against unauthorized access, use, alteration, and destruction, consistent with our obligations under the Gramm-Leach-Bliley Act and applicable state law. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

If you believe your interaction with us is no longer secure, contact us immediately at (561) 459-6663 or Ryan@cornerstone-risk-solutions.com.

11. Your Choices and Rights

You may:

  • Opt out of text messages by replying STOP to any message from us
  • Opt out of marketing email using the unsubscribe link or by contacting us
  • Request access to or correction of the information we hold about you, by contacting us at (561) 459-6663 or Ryan@cornerstone-risk-solutions.com
  • Request deletion of information, subject to our legal and regulatory retention obligations. We may be unable to delete records we are required to maintain as a licensed insurance agency.

Depending on your state of residence, you may have additional rights under applicable law. Contact us and we will respond consistent with those requirements.

12. Do Not Track

The Site does not currently respond to browser “Do Not Track” signals.

13. Children’s Privacy

The Site and our services are directed to adults conducting insurance and business transactions. We do not knowingly collect personal information from anyone under 18. If you believe a minor has provided information to us, contact us at (561) 459-6663 or Ryan@cornerstone-risk-solutions.com and we will delete it.

14. Third-Party Links

The Site may link to carrier portals, payment portals, or other third-party websites. We are not responsible for the privacy practices of those sites. Review their privacy policies before providing information.

15. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last Updated” date above. Material changes affecting how we handle SMS consent data will be posted prominently. Your continued use of the Site after changes are posted constitutes acceptance of the revised policy.

16. Contact Us

Cornerstone Risk, LLC d/b/a Cornerstone Risk Insurance LLC 215 SE 8th Avenue, Unit 1500 Fort Lauderdale, FL 33301 Phone: (561) 459-6663 Email: Ryan@cornerstone-risk-solutions.com Web: https://cornerstone-risk-solutions.com

Licensed in Florida, Massachusetts, Texas, New Jersey, and North Carolina.