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Privacy Policy

We value you as a customer and respect your right to privacy. We know that you purchase our products and services because you trust that we stand behind our promises. We pledge our commitment to treat your information responsibly. We created this privacy policy to show you that we are working hard to protect your privacy.

Information sharing and opt out
We do not sell your personal information to anyone for any reason. We do not share it, except for the reasons described below, which are permitted by federal and state law. Therefore, there is no need for you to opt out. If we change our policy, we will tell you and give you a chance to opt out before we share your information.

Confidentiality and security
We use physical and technical safeguards to protect your information. We restrict access to your information to those who need it to perform their jobs. Third-party business partners are bound by law to use the information only for our purposes. They may not disclose it or use it in any other way. We comply with all data security laws.

Collecting your personal information
We collect personal information about you from different sources. For example, we collect information you send us on applications and forms. We also collect information from your transactions with our sister companies, others, or us. We may collect information from a consumer-reporting agency or a medical provider. This collection depends on the product or service you request.

Disclosing your personal information
We do not sell your information to anyone. We may disclose this information to a business that carries out services and marketing for us. We may disclose your information as required or permitted by law. We may disclose your information for a legal or regulatory purpose. These include the following types of information.

  • We may disclose information we receive from you on applications or other forms. This may include your name, address, beneficiaries, Social Security number and family member information. This may also include assets, income, and the property address and value.
  • We may disclose information from your transactions with our sister companies, or us. This may include your account balance, policy coverage, and payment history. This may also include premium paid, preferences, claims, and purchase method.
  • We may disclose information we receive from a consumer-reporting agency or other report. This may include, your credit report, motor vehicle and driver data. This may also include medical and employment data, loss history reports, and other driver data. This disclosure depends on the products you select.
  • We may disclose information to companies that perform marketing services on our behalf. As permitted by law, we may disclose some information to other financial institutions with which we have joint marketing agreements.

Using your medical information
We sometimes must collect medical information to provide you a product or to pay a claim. We do not use or share it for any purpose, except the following:

  • Underwriting insurance
  • Administering your policy, account, or claim
  • As required or permitted by law
  • As otherwise authorized by you

Internet Policies
What information does Brown Insurance Services collect from Web sites? Brown Insurance Services may collect the information you provide when you:

  • Request information from the Brown Insurance Services Web site
  • Use online tools and calculators
  • Apply online for products
  • Subscribe to online services
  • Complete an online form
  • Conduct transactions online
  • Apply for a job online

Brown Insurance Services contracts with certain unaffiliated business partners who help us deliver online products and services. They may keep the information you provide. Other online activities are listed below.

Visitor Data

  • Brown Insurance Services collects site-aggregate and customer-specific information about the pages you view on our site. We log IP addresses, browser and platform types, domain names, access times and referral data. We also collect information a customer volunteers on surveys and electronic forms. This information is used to improve our Web site.
  • Brown Insurance Services gathers data on its Web site. This is a standard industry practice and is used to find out how visitors use our site. We collect aggregate information on the public areas of our Web site. We also collect information on an individual basis on areas of our Web site that require visitors to logon using an ID and password. We may collect the following data:
    • How many people visit our Web site
    • The pages they visit and the features they use
    • How long they stay on our Web site
    • The Web site people come from before reaching our Web site

Use of "Cookies"
We store a cookie on your computer when you visit our Web site. A cookie is a tiny piece of information that is required to create and maintain a secure session. Cookies let you request information and do business online. Cookies do not have confidential or personal information. They do not track a user after leaving our Web site. We use a third-party tracking utility, which may set cookies, to analyze how users move within our Web site.

Other Online Security
We also use a Secure Sockets Layer (SSL). This keeps all information confidential when it is sent between our Web site and your computer.

We keep the e-mail you send to us. If you agree to receive e-mail messages from us, we will keep the information you give us to send e-mail of specific interest to you. If you choose to send us e-mail, we keep your e-mail, your e-mail address, and our reply. Please be careful about the information you give us in e-mail. As with any public Web site, this communication may not be secure.

Web Links
It is important to note that other companies or organizations may have links on the Brown Insurance Services family of Web sites. We are not responsible for the collection, use, or security of information by the companies or organizations outside of the Brown Insurance Services family of companies. Please read the privacy policy of Web sites reached through the use of links from the Brown Insurance Services family of Web sites.

Why does Brown Insurance Services collect information on its Web site?
Brown Insurance Services or our business partners use the information from our Web sites for many purposes:

  • Edits and feedback
  • Marketing and promotions
  • Analysis of user behavior
  • Product development
  • Content improvement
  • Informing advertisers how many visitors have seen or clicked on their advertisements
  • Customize Web site content and layout

What happens if Brown Insurance Services changes its privacy policy?
If we decide to change our privacy policy, we will post the changes on our homepage. This way you always know what information we collect, how we use it, and under what circumstances we disclose it.

If we decide to use your personal information in a different way than for the use that we told you when we collected it, we will notify you by posting a note on our Web site for 30 days.

We value our customers and want you to understand how we use the information we collect. Please contact us if you have any questions about our privacy policy.

We will provide you a copy of your personal information that we control and can reasonably retrieve. To access your information, you must provide the following:

  • All policy numbers you want to access.
  • Please sign your request and have your signature notarized. This ensures the identity of the person requesting the information.
  • We do not currently charge a fee to cover the cost of providing you with a copy of this information. However, we do reserve the right to charge a small fee in the future.
  • You may request that we correct your personal information in our files. Please note that we do not control information provided by third parties. So, you will need to contact the third party to correct any information from them.
  • Sometimes we obtain your consumer or credit report. If so, you may request the credit-reporting agency's name and address. You may ask the agency to give you a copy of your report.

Please send any inquiries to us at:

Brown Insurance Services
ATTN: Privacy Department
1418 West 23rd Street, Ste 200
Panama City, FL 32405

When you write to us, please include your name, address, and policy number, and your agent name and number, if you know it. You can contact your agent to change information that we control, such as your address. Or, you may contact your Brown Insurance Services customer service representative. The phone number is in your policy packet.

This privacy statement describes our privacy practices for both current and former customers. We will provide one copy of this notice to joint policy or contract holders. Please share this information with everyone covered by your policy or contract. If you request, we will send more copies of this statement.

Thank you for choosing Brown Insurance Services. We look forward to building a lifetime relationship with you.

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Our Locations

Brown Insurance Services LLC - Corporate Office

1418 West 23rd Street, Ste 200
Panama City, FL 32405
Main office: 850-215-5331
Toll free: 866-878-7786

Brown Insurance Services LLC - Orlando Office

555 W. Winderley PL Ste 300
Maitland, FL 32751
Main office: 407-571-6925

Clark Insurance Services LLC

1414 Main Street 9A
Chipley, FL 32428
Main office: 850-638-1927
Toll free: 850-638-1929

Our Providers


I am very happy to recommend Mr. Jay Hancock of Brown Insurance Services to your association. Jay worked tirelessly for months to have The Pearl re-rated by FEMA for flood insurance purposes. At first I was skeptical because I thought that we had already done all that we could do to make sure that the building was properly rated. But, Jay's hard work and expertise has resulted in lower flood premiums for our association. Altogether, the 2009-2010 insurance renewal saved the Pearl's Association approximately $44,000 over last year's premium. After the positive results were achieved at The Pearl, I asked Jay to help us with Majestic Beach Towers, where Jay was able to save us $155,000 over last year’s premium. The best part is that these savings will continue year after year. Jay also worked hard to provide us with the best overall package on all of the other insurance needs of these two associations. He was very communicative and always accessible. Obviously, every project stands on its own, and your individual circumstances will dictate whether or not you can save on your insurance premiums. However, I have no doubt that Jay will work diligently and effectively as an advocate for your association and that you will be happy with his services.
Jimmy Lewis, President, The Pearl of Navarre Beach Condominium Owners Association (Navarre Beach FL), Majestic Beach Resort Community Association, Inc, (Panama City Beach)
Rob: My gut told me that hiring your firm was the correct decision for our PI HOA members. My view is that insurance is all about service due to the regulations and rates being somewhat the same. This is exactly what we needed and we can not thank you enough along with Brooks and Shorey. In light of this most difficult economy we really needed this in order to keep our foreclosure rate to a bear minimum. I remain committed now more than ever to reference you and your firm.
Hugh Randall, VP PI HOA, Pelican Isle Condominium
I would like to take this opportunity to thank you both on behalf of the One Beach Club Drive Condominium Association Board of Directors and owners for the superior level of customer service you have continued to provide us. On every occasion that the association has called upon you, you have gone above and beyond the level of service that we would expect, in most instances presenting yourselves in person. Your willingness to accommodate the association with even the smallest request speaks very highly of you as individuals and your company. Again, thank you both for your exemplary service and we look forward to growing our relationship with you for many years to come.
Donna Free, Association Manager, One Beach Club Drive Condominium Association (Sandestin, Florida)
We have been very pleased with the service and attention Brown Insurance Services has given our association. They have actively shopped the marketplace to provide us with the best possible insurance at the lowest cost. We were very pleased with a rebate they obtained for us on our flood insurance. They have been proactive throughout the year by offering special loss control and risk management services. They have been very accessable and readily available to any questions of the board, management, or association members. I think you would be pleased with their service.
Jim Brown, President, Sterling Shores Owner's Association (Destin, Florida)
The benefit of having a good agent quickly became apparent when hurricane Ivan hit in September, 2005. Rob attended board meetings and homeowner meetings, answering the questions and concerns of homeowners with knowledge and experience. With the time and focus Gulf Dunes received from Rob one would think we were his only client. While some associations suffered due to inefficiencies or faltering insurance companies, Rob stayed on top of our Flood and Wind insurance companies over the many months following the storm. This ultimately paid off with our claims being fairly settled even though money was in short supply. It is a pleasure to recommend Rob – a person with honor and integrity, as well as ability in his field.
Linda Herbert, Former Board President, Gulf Dunes Condominium Association (Okaloosa Island, Florida)
I wanted to convey how pleased the Shores of Panama Condominium Association has been with our experience in obtaining association insurance coverage. Brown Insurance Service representatives Rob Tallent and Craig Brown were instrumental in significantly decreasing our premiums. We saved well over $380,000 because of their diligence and determination. They went to the extent of bringing representatives from the underwriters to view our property in order to maximize our savings. We feel they exerted more effort on our behalf than all other agents combined. I have no doubt they will do the same for your association. They are very knowledgeable and professional. I found their advice to be beneficial to the association and individual owners as well. Please feel free to call me if you have any questions concerning our experience.
Greg Crosby, President, Shores of Panama Resort Community Association, Inc. (Panama City Beach, Florida)
As we approach the end of the year and prepare for 2008 I want to recognize you and your team's valuable proactive insurance and risk management services for our condominium association. As our insurance trustee for the past four years your tenacity in obtaining reasonable premiums and the fair settlement of claims has benefited our association immeasurably. Your assistance following hurricane Ivan was instrumental in our recovery to normal operations. We recognize that the insurance industry in Florida is still in a state of extreme stress and flux, in spite of the actions of the legislature to stabilize the situation. Your efforts to help us understand what is happening through your newsletters and memos have contributed significantly to our ability to forecast expenses and budget accordingly. We are confident that you will continue to work diligently to offer quality, proactive services while always striving to put the best insurance program in place for our association at the best value. Thank you again for your relationship.
Martin M. Burdick, Association President, Gulf Dunes Condominium Association (Okaloosa Island, Florida)
I had no idea what risk management was until I met Rob and Craig. I was impressed that an agency would return to their clients, in proactive service, a part of the premium. I had heard of people getting all kinds of favors from insurance agents in return for business. But this seemed to me a way for all the owners to benefit not only from the coverage, but an added bonus in the form of service. For me the best thing you did was evaluate the different carriers and options available to our condo. We also feel secure that in the case there is a disaster that causes damage to our property, we have a team of people trained in disaster management to help us. You even made a short list of contractors for us to call.
Byron Spice, Board Secretary, The Nautilus Condominium Association, Inc. (Flagler Beach, Florida)
Rob and Craig, along with their entire team of professionals, do an outstanding job of servicing our needs and communicating with us. When a hurricane was threatening our coast they proactively called to assure us they were ready to respond to our potential claims need. We were able to save $24,000 in premiums, because they alerted and educated us on ways to mitigate our property. Upon their recommendation a condominium insurance committee was formed and has been extremely beneficial to the board of directors as well as unit owners; Rob and Craig meet with us on a regular basis offering explanations and helping us make studied and educated decisions regarding coverage.
Pat Pace, Insurance Chair, Beach Winds Condominium Association, Inc. (Cocoa Beach, Florida)
Rob and Craig provide proactive insurance and risk management services for our condominium. With their help we were able to receive lower rate for our wind policy, which was a considerable savings to the association. They have never taken for granted the fees we pay for our associations insurance. They have given sound advice on having appraisals of our property and have worked personally with our board members on the best protection in all of our insurance needs. Customer service is a serious business with them and they have always been professional and dependable.
Therese A. Rushing, Association Manager, Aliki Tower Condominium Association, Inc. (Daytona Beach, Florida)
We interviewed and researched a number of alternatives prior to selecting you and your company to supply our insurance and emergency planning needs. Your approach to the business was simple yet noticeably different. You easily convinced us that you had the ability to shop all of the markets and provide us with a comprehensive and competitive package of insurance. What distinguished your company from the pack are the time, interest, equipment, prior experience and skills that your staff brings to us in a time of emergency need. The policies are comprehensive and complex, and having someone who can do more than just shop for price is an invaluable asset both before a claim, during, and after.
Tim Sullivan, President, Harbor Landing Homeowners Association, Inc (Destin, Florida)