Privacy Policy

Ohlert-Ruggiere, web Inc. respects the privacy rights of individuals who visit, healing use and interact with (“Users”) this portal and/or website, the content of which is controlled by Ohlert-Ruggiere, Inc. (individually and collectively “Site”). Information may be collected from Users during their visits to this Site in order to allow Ohlert-Ruggiere, Inc. to provide better service.

Types of Information Collected and How it is Used

Aggregate Information:

Ohlert-Ruggiere, Inc. collects information that is not personal information about Users to measure traffic on the Site. This information is collected automatically on an aggregate basis (“Aggregate Information”) through the use of a “cookie” or small text file placed on the User’s hard drive by the User’s Internet browser. The cookie allows Ohlert-Ruggiere, Inc. to track the number of hits or visits to various pages on the Site. The cookie is used only during a single connection to the Site, and is not used to track User activity after leaving the Site. The cookie is permanently disabled when the User exits the Site, and information about individual Users is not collected, saved, or distributed to others by Ohlert-Ruggiere, Inc. except as provided for in this Policy. Aggregate Information helps Ohlert-Ruggiere, Inc. understand Users’ needs, improve the Site, and demonstrate to others the volume and nature of Site traffic. Aggregate Information may be shared with third parties as described in the section called “Information Provided to Third Parties” below.

Quick Quote Information:

Information may be obtained and/or retained from Users to process Quick Quote requests. Quick Quote Information may be shared with third parties as described in the section called “Information Provided to Third Parties” below.


Information received from Users via e-mail may be used by Ohlert-Ruggiere, Inc. and may be provided to third parties as described in the section called “Information Provided to Third Parties” below.

Collection of personal information:

It is the policy of Ohlert-Ruggiere, Inc. not to collect personal information of children under age 13. If it is necessary to collect such personal information from a child identified as being under age 13, Ohlert-Ruggiere, Inc. will do so only after obtaining verifiable parental consent. If Ohlert-Ruggiere, Inc. becomes aware that it has inadvertently collected personal information from a child under age 13 without parental consent, such personal information will be deleted from Ohlert-Ruggiere, Inc.’s system.

Information Provided to Third Parties:

Information collected on this Site will only be provided to third parties in the manner specified in this Policy. Those who do not want their information shared in this manner should not provide the information. Information obtained and/or retained by Ohlert-Ruggiere, Inc. may be used by Ohlert-Ruggiere, Inc., and may be provided to third parties, such as, but not limited to, Ohlert-Ruggiere, Inc. service providers and vendors, insurance companies represented by Ohlert-Ruggiere, Inc., to conduct business, including, without limitation: i) completing the transaction(s) requested by the User; and ii) serving Users and/or reporting on transactions/activities/surveys conducted with Ohlert-Ruggiere, Inc. Ohlert-Ruggiere, Inc. also may disclose information to comply with the law or legal process; to exercise Ohlert-Ruggiere, Inc.’s legal rights or defend against legal claims; to enforce Ohlert-Ruggiere, Inc.’s policies (including, without limitation, its Terms of Use); or to protect the rights, property or safety of others.

Links to Other Sites:

This Site may contain links to Internet sires of other businesses and resources and each Internet site may have its own privacy and data collection policies and practices. Ohlert-Ruggiere, Inc. is not responsible for the privacy and data collection policies and practices on any of these sites or for the content of their Internet sites. Users interested in the privacy and data collection policies and practices of these sites should review the policies of the Internet sites they choose to access.
Ohlert-Ruggiere, Inc. makes no representations or warranties of any kind, express or implied, about the Internet sites of other businesses or resources, and Ohlert-Ruggiere, Inc. disclaims all warranties and responsibilities of any kinds, including, without limitation, warranties and responsibilities with respect to other businesses’ and resources’ Internet sites, content, privacy and data collection policies and practices, and actions. Links to other Internet sites do not imply Ohlert-Ruggiere, Inc.’s endorsement or approval of such Internet sites or the resources and information contained within them, nor are such links or references indications that Ohlert-Ruggiere, Inc. has received specific authorization to provide these links or resources. Ohlert-Ruggiere, Inc. does not endorse, approve, certify or control such external Internet sites, and is not responsible for the accuracy, timeliness, completeness, efficacy, merchantability, usefulness, fitness for any particular purpose or correct sequencing of information located at such sites. The links and references on this Site to other Internet sites are provided solely as a convenience to Users of this Site.

Change to Policy:

Ohlert-Ruggiere, Inc. reserves the right to and may change this Policy at any time, and the change will become effective when the revised Policy is posted on this Site. You are encouraged to review this Policy periodically so you are informed about Ohlert-Ruggiere, Inc.’s privacy practices and policies.

Internet Website Disclaimer

General Disclaimer:

Notwithstanding any language to the contrary, nothing contained herein constitutes nor is intended to constitute an offer, inducement, promise, or contract of any kind. The data contained herein is for informational purposes only and is not represented to be error free.

Solicitation of Insurance:

Despite the efforts of Ohlert-Ruggiere, Inc. to provide accurate information, it is not possible to completely ensure that all information is constantly correct. The material presented on this Site could include technical inaccuracies or typographical errors. As such, Ohlert-Ruggiere, Inc. does not accept any responsibility or liability for any actions taken as a result of using this information. Further, Ohlert-Ruggiere, Inc. assumes no responsibility for errors or omissions in the materials on this web site.

The information and descriptions contained in this site are intended as general information and are not necessarily complete descriptions of all terms, exclusions, and conditions applicable to the products and services offered by Ohlert-Ruggiere, Inc. or any insurance company represented by the agency. The information contained throughout this web page is not an insurance policy or contract of insurance. Coverage and issues discussed are for the NY, NJ, PA, CT area and may not be applicable in other areas. The insurance coverage afforded by Ohlert-Ruggiere, Inc. is subject to the terms and conditions of the policies issued.

Ohlert-Ruggiere, Inc. is licensed in the States of NY, NJ, PA, and CT only and does not solicit business for persons or property outside of NY, NJ, PA, and CT.

The information contained in the Site is not the policy itself and is designed only to briefly describe its contents. Each insurance company’s coverages may be different. For complete details and important exclusions, read the policy. It is also not to be deemed the rendering of legal or insurance advice. If legal advice is sought, contact an attorney. Please contact Ohlert-Ruggiere, Inc. directly for insurance advice. No changes can be made or coverage bound via this Site, by e-mail, voice mail, or answering service. To make any changes to your current policy or to bind coverage, please call us at 718.847.2323.

This Site is provided for general information about all the different types of insurance that Ohlert-Ruggiere, Inc. can offer through the companies that we represent. Coverage CAN NOT be bound for ANY type of insurance by electronic means through use of this site. Please contact us if you have any questions about the terms under which this site is operated.

Warning About E-Mail:

Information that is transmitted by e-mail over the Internet is not secure and may be intercepted and read by other Internet users. Do not use e-mail to send Ohlert-Ruggiere, Inc. private or confidential data about yourself or others.

Copyright Notice:

The names, trademarks, service marks and logo of Ohlert-Ruggiere, Inc. and any of the insurance companies represented by the agency may not be used in any advertising or publicity, or otherwise to indicate Ohlert-Ruggiere, Inc’s sponsorship of or affiliation with any product or service without Ohlert-Ruggiere, Inc.’s prior express written permission.

No Warranty:

Ohlert-Ruggiere, Inc. does not warrant the accuracy, adequacy, or completeness of the information and materials contained in this site and expressly disclaims liability for any errors or omissions in the information and materials. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third part rights, title, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials contained in this Site.

Limited Liability:

In no event will Ohlert-Ruggiere, Inc., its agents or employees, be liable for any damages, losses, or other expenses arising in connection with this site or use thereof or inability to use by any party, or in connection with any failure or performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Ohlert-Ruggiere, Inc. or its representatives are advised of the possibility of such damages, losses or other expenses.