Privacy Policy.

This website is operated by NBOA Marine Insurance Agency, Inc. (“NBOA”, “we”, “us”). This policy covers the personal information we collect through this website, including the quote request, callback and other forms on it.

Information you give us. When you request a quote, ask us to call you, or fill in one of our forms, we collect what you enter. Depending on the form, that can include:

• Contact details: name, email address, phone number and mailing address.
• Personal details used for insurance quotes: date of birth, gender and marital status.
• Your boat: year, make, model, engine, value and purchase details, and where and how it is stored, including a marina or storage location.
• Your boating and insurance history: experience, safety courses, previous boats, current or prior insurance, claims and driving violations.
• Anything else you choose to tell us, such as notes or messages.

The policy lookup form asks for your last name, email address, ZIP code and date of birth. The membership and warranty forms ask for contact details, an address and boat details. The dealer registration form asks for your dealership's name and contact details.

Information collected automatically. When you visit, our hosting provider and analytics tools receive technical information such as your IP address, browser and device type, the pages you view and the page that referred you. We use your IP address to estimate which state you are in so the homepage can show photos for your region. Your quote answers stay in your browser's memory while you fill in the form; they are not saved on your device.

How you found us. If you arrive from an ad or another website, your browser keeps a note of it for up to 90 days: the campaign tags in the link, the ad network's click reference, the page you landed on and the site that sent you. It is sent to us only with a quote request or warranty application, so we know which ads and sites bring customers. With Global Privacy Control turned on, the ad network's click reference is not kept.

• To prepare your quote request and pass it to a licensed NBOA agent.
• To contact you about your request by phone, text message or email.
• To provide the memberships, warranties, policy services and other services you ask for, and to find your policy when you use the policy lookup form.
• To operate, secure and improve this website, and to understand how it is used.
• To meet our legal and regulatory obligations.

We share personal information only as described here. We do not sell your personal information.

• NBOA staff and licensed agents, who handle your request.
• Salesforce, the customer relationship management system where we keep quote and callback requests.
• Resend, which delivers form submissions to NBOA staff by email.
• Authorize.net, which processes membership payments. You type your card details into Authorize.net's own payment form on our membership pages, so they go straight to Authorize.net and never pass through our website; we receive your name, contact details, billing address and the result of the payment.
• Vercel, which hosts this website.
• Google, which suggests addresses and marinas as you type them into the quote form (what you type in those fields is sent to Google), and which provides Google Analytics on nboat.com.
• Meta (Facebook) and Microsoft, which receive information about your visits to nboat.com through advertising tags, as described under “Cookies and analytics” below.
• Anthropic, which provides the AI service behind the optional chat mode on our quote page, only if you use chat mode (see “AI chat assistant” below).
• The developers who build and maintain this website for NBOA.
• Insurance companies, when we quote or place a policy for you. They receive the information needed to quote, underwrite and issue it.
• Others when the law requires it, for example to comply with a court order.

If you give us your phone number with a quote or callback request, NBOA may call or text you at that number about your request, including by automated means. Consent is not a condition of purchase. Message and data rates may apply. To stop text messages, reply STOP to any message, or call us at 1-800-248-3512.

Our quote page has an optional chat mode, which you can turn on with the Chat button. In chat mode you are talking with an AI assistant, not a person. What you type, and the answers you have already given on the quote form, are sent to Anthropic to generate the assistant's replies. The standard quote form does not send your answers to the AI service.

On nboat.com we use Google Analytics, which sets cookies to count visits and show us how people use the site. We also use Vercel Analytics and Speed Insights to measure page views and site performance. The site stores one small setting in your browser for the length of your visit: your estimated region, so the homepage can show regional photos.

On nboat.com we also use advertising tags from Meta (the Meta Pixel) and Microsoft Advertising. They set cookies and tell Meta and Microsoft which pages you visit and when you send a quote or callback request, so NBOA can measure its advertising and show ads to people who have visited the site. We do not send them your quote answers or contact details. If your browser sends a Global Privacy Control signal, these advertising tags do not load.

You can block or delete cookies in your browser settings. You can opt out of Google Analytics on all websites with Google's opt-out browser add-on. You can manage ads from Meta in the ad preferences of your Facebook or Instagram account, and ads from Microsoft in your Microsoft ad settings. This website does not currently respond to browser Do Not Track signals.

In connection with this insurance and to offer you an accurate quote, the insurance company may obtain a credit-based insurance score as part of the insurance underwriting process. An insurance score uses information from your credit report to help predict how often you are likely to file claims and how expensive those claims will be. The information used to develop the insurance score comes from TransUnion. A credit-based insurance score will not impact your credit rating or score.

We keep personal information for as long as we need it for the purposes in this policy, including our relationship with you, and for as long as the law or insurance regulations require.

We use reasonable safeguards designed to protect your information. Information you submit on this website is encrypted in transit (HTTPS). No website or method of storage is completely secure, so we cannot guarantee absolute security.

You can ask us for a copy of the personal information we hold about you, or ask us to correct or delete it. We may need to keep some information to meet legal or regulatory requirements. You can unsubscribe from marketing emails at any time, stop text messages by replying STOP, and opt out of Google Analytics and our advertising tags as described above. To make a request, call us at 1-800-248-3512 or use the form on our contact page.

Some services linked from this website are run by other companies on their own systems, including the NBOA Now® policyholder portal (provided by CSR24) and the boat loan application (hosted and processed by Intercoastal Financial Group). Information you enter there goes to them directly, and their own privacy policies apply.

This website is not directed to children under 13, and we do not knowingly collect personal information from children under 13.

We may update this policy from time to time. When we do, we will post the new version on this page and change the date at the top.

NBOA Marine Insurance Agency, Inc.
4404 N. Tamiami Trail, Sarasota, FL 34234
Phone: 1-800-248-3512 (Monday to Friday 8:30am to 6pm, Saturday 9am to 1pm Eastern)
Or use the form on our contact page.