Privacy Policy

This website collects limited information through:

• Contact forms and program review request forms (name, email, phone, company, message content)
• Insurance document uploads submitted with a program review request (policies, declarations pages, endorsements, schedules, loss runs, contracts, asset schedules, payroll or revenue summaries, and other supporting materials)
• Google Analytics 4 (anonymized usage data including pages visited, time on site, device type, approximate location)
• Cookies necessary for site functionality and analytics

As part of a program review or coverage inquiry, you may choose to upload insurance-related documents, including policies, declarations pages, endorsements, schedules, loss runs, contracts, asset schedules, payroll or revenue summaries, or other supporting materials. These documents may contain confidential business, insurance, property, payroll, claims, contractual, or operational information.

Uploaded documents are used only to evaluate your inquiry, review your current insurance program, understand your operations, and communicate with you regarding potential insurance services. Where appropriate and with a legitimate business purpose, information may be shared with Cothrom Risk & Insurance Services personnel, authorized service providers, wholesale brokers, carriers, underwriters, claims professionals, or other insurance-market participants involved in evaluating or servicing the account.

Submitting documents through the website does not bind coverage, create a client relationship, guarantee coverage placement, or guarantee any claims or underwriting outcome.

• To respond to your inquiries and coverage requests
• To review uploaded insurance documents and evaluate your current program
• To analyze site traffic and improve our services
• To communicate with you about insurance programs relevant to your needs

We do not sell, rent, or share your personal information with third parties for marketing purposes.

We retain submitted information and documents only as long as reasonably necessary for business, legal, compliance, insurance-placement, or recordkeeping purposes. You may request deletion of submitted materials by contacting Bryce.Lockerson@cothrom.com, subject to any legal, regulatory, contractual, or business recordkeeping requirements.

AMA Risk may use Google Analytics or similar tools to understand how visitors use the website, improve page content, measure traffic, and evaluate user experience. These tools may use cookies or similar technologies depending on your location and consent choices. Where required, analytics cookies are used only with consent. You may adjust your cookie preferences through the Cookie Preferences link in the footer.

This site implements Google Consent Mode v2. For visitors in the European Economic Area, the United Kingdom, and Switzerland, analytics storage is denied by default until consent is granted. Essential site functionality does not depend on analytics cookies.

This site uses cookies for:

• Essential site functionality
• Analytics and performance measurement (Google Analytics), subject to consent where required

You can control cookie settings through the Cookie Preferences link in the footer or your browser preferences.

We use reasonable administrative, technical, and organizational measures intended to protect submitted information. No website, email system, or electronic transmission method can be guaranteed to be completely secure.

You may request access to, correction of, or deletion of your personal information by contacting us at Bryce.Lockerson@cothrom.com.

For privacy-related questions:

Bryce Lockerson
AMA Risk — Cothrom Risk & Insurance Services
Fort Lauderdale, FL
Bryce.Lockerson@cothrom.com
754-301-6157