Privacy Policy

LABORISONE, INC. is a licensed insurance agent operating across the USA. Our role is to provide insurance information and refer prospective insureds to licensed brokers or insurance carriers.

Contact Information:

We do not accept premium payments, bind coverage, issue policies, or confirm insurance coverage. All payments, underwriting decisions, policy issuance, and confirmations occur directly between you and the licensed broker and/or insurance carrier.

We may collect information you voluntarily provide, including various insurance-related information necessary to request quotes.

Examples of information collected:

• Identifiers and contact information (e.g. Company and/or contact name, email address)
• Business information you voluntarily provide (e.g. company size)
• State of residence or operation
• Communications content you choose to provide to our Company employees

When you visit our website, we may automatically collect limited technical data such as IP address, browser type, device information, pages viewed, and cookie data.

We do not intentionally collect sensitive personal information, including Social Security numbers, driver’s license numbers, precise geolocation data, or health information. Please do not submit sensitive personal information through LaborisOne.com (“Site”).

We use personal information to facilitate insurance quote requests and referrals, communicate with you, respond to inquiries, maintain our CRM and internal business records, connect you with licensed brokers or carriers, comply with legal and regulatory obligations, prevent fraud or security issues, and improve our services.

We may share your information with licensed insurance brokers, wholesalers, MGAs, and insurance carriers at your request. We may also share information with service providers that support our business operations, such as CRM systems, communications platforms, analytics providers, and IT vendors. We may disclose information when required by law or to protect our legal rights.

We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information. We retain personal information only as long as necessary to fulfill business, legal, and regulatory purposes.

Depending on your state of residence, you may have rights to access, correct, delete, or limit certain uses of your personal information. Requests may be submitted to privacy@laborisone.com. We may verify your identity before responding.

Our services are not directed to children under the age of 13, and we do not knowingly collect personal information from children.

Cookies and similar technologies are small pieces of data stored by your browser. They can be used to keep a site working correctly, remember your preferences, or measure how a site is used.

We currently do not use advertising cookies, and we do not sell or share your personal information for cross-context behavioral advertising. The only information this site stores in your browser by default is a single record of the cookie choice you make, so we do not have to ask you again on every visit.

When you first visit, we ask whether you allow cookies and similar technologies. If you decline, optional technologies stay off. If we later add analytics or similar tools to understand how visitors use the site and improve it, those tools will only run after you allow them.

You can change your choice at any time using the Cookie Preferences link at the bottom of any page. You can also block or delete cookies through your browser settings, though some parts of a website may not work as intended if you do.

We may update this Privacy Policy from time to time. Any updates will be posted with a revised effective date.

By accessing or using LaborisOne.com (“Site”), you agree to be bound by these Terms & Conditions. If you do not agree, you should not use the website.

LABORISONE, INC. acts solely as a licensed insurance agent and referral source. We do not accept payments, bind insurance coverage, issue or confirm policies, or guarantee coverage. All insurance transactions occur directly between you and the licensed broker and/or insurance carrier, which is not us.

All insurance quotes are estimates only. Coverage availability, premiums, terms, and conditions are determined solely by the insurance carrier and are subject to underwriting approval.

Content on this Site is provided for general informational purposes only and does not constitute legal, tax, financial, or insurance advice.

You agree to provide accurate, current, and complete information when submitting inquiries or quote requests. Inaccurate or incomplete information may result in delays or denial of coverage by the carrier.

By submitting your contact information, you consent to receive communications from us via phone, email, and text message, including messages related to your inquiry. You may opt out of marketing communications at any time.

All website content, including text, graphics, logos, and design, is owned by or licensed to LABORISONE, INC. and may not be copied, reproduced, or distributed without prior written consent.

The website is provided on an “AS IS” and “AS AVAILABLE” basis. To the maximum extent permitted by law, we disclaim all warranties, express or implied.

Without prejudice to the generality of the foregoing:

COVERAGE DISCLAIMER: These statements do not amend, modify, or supplement any current or future insurance policy. They are not a guarantee of savings or services. All clients and coverages are unique. Your results can and will vary. Coverage and riders may vary based on state. Your eligibility for products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. If there is a discrepancy between information contained herein and your policy, your policy controls and takes precedence. Consult the actual policy or the broker of record through us (or directly) for details regarding terms, conditions, coverage, exclusions, products, services, and programs which may be available to you.

GENERAL INFORMATION DISCLAIMER: Statements on this website regarding insurance policies and coverages and other content provide general information only. There is no intentionally misleading information contained in this website, however, LaborisOne, Inc., provides no warranty as to their accuracy. Information on this website is general information only and is not a quote from us or a broker. We will endeavor to correct or clarify any incorrect information. Any hypertext links to other sites, brokers or vendors are provided as a convenience only. We have no control over those sites, brokers or vendors and cannot, therefore, endorse nor guarantee the accuracy of any information provided by those sites or the services provided by those websites/vendors/brokers.

To the maximum extent permitted by law, LABORISONE, INC. shall not be liable for any indirect, incidental, consequential, or special damages arising out of or related to your use of the website or reliance on its content.

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles. Venue shall lie exclusively in the state or federal courts located in Comal County, Texas.