Who do I contact with questions about this policy?

Contact us at hello@sterlinglloyd.com or 888-555-0199 and we'll route your question to the right person.

Does Sterling Lloyd write business outside California?

Only in states where Sterling Lloyd and the applicable personnel are properly licensed and the requested product is available.

Can I bind or change coverage through the website?

No. Website requests begin the process, but written confirmation is required before a request is effective.

Licensing & Disclosures | Sterling Lloyd Insurance Services

1. Introduction

At Sterling Lloyd Insurance Services, precision and transparency are at the core of our operations. We are committed to protecting your personal information and your right to privacy. This Privacy Policy describes how we collect, use, and share your personal information when you use our services, visit our website, or interact with our digital tools.

By using Sterling Lloyd's services, you consent to the practices described in this policy. We ensure that our data handling practices comply with the highest standards of financial data protection and security.

2. Information We Collect

We collect information that identifies, relates to, or could reasonably be linked, directly or indirectly, with a particular consumer or device. This includes:

Identifiers such as name, alias, postal address, unique personal identifier, and online identifier.
Professional or employment-related information.
Financial information provided during the insurance application or claims process.
Geolocation data and internet activity logs.

How Sterling Lloyd Uses AI

We leverage advanced artificial intelligence to provide "Precision Transparency" in our underwriting and claims processing.

AI Guardrails

All AI-driven decisions are subject to human oversight. We do not use automated processing for final claim denials or policy cancellations without manual review by a licensed specialist.

Transparency

We provide clear explanations for any AI-assisted risk assessments that impact your premiums or coverage eligibility.

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4. Your Privacy Rights

Depending on your jurisdiction, you may have the right to request access to the personal information we collect, request the deletion of your personal information, or opt-out of certain types of data processing.

Independent-agency and market-access disclosure

Sterling Lloyd works as an independent agency and brokerage with access to a broad range of standard, specialty, and wholesale markets. Product availability, eligibility, pricing, and placement depend on the specific risk, the underwriting information provided, carrier appetite, and the jurisdictions in which Sterling Lloyd and the relevant personnel are licensed.

Transaction and service notice

Coverage cannot be bound, altered, canceled, or confirmed by website form, email, voicemail, or AI chat alone. No request is effective unless and until a licensed Sterling Lloyd representative provides written confirmation and the carrier has taken any action required to make the request effective. State availability: Insurance products and services are offered only where Sterling Lloyd and the relevant personnel are properly licensed. License verification: Consumers may verify California license information through the California Department of Insurance license-check tools. Compliance contact: Questions about licensing, disclosures, or website notices may be sent to [Compliance Contact Email/Phone].