Morris & Garritano values you and your business and respects your right of privacy. In the course of working with you to place your business, it is necessary for us to obtain personal information about you. The purpose of this notice is to inform you of what types of information we may collect, what we do with that information and with whom it might be shared.

Information We Collect

Information which we may collect to procure and modify insurance coverage or to process claims for our clients include:

  • Information we receive from you on applications or other forms
  • Information about your transactions with us and our affiliates
  • Information we receive from consumer reporting agencies
  • Information we receive from medical records or medical professionals

The information may include, but is not limited to your name, address, telephone number, social security number, motor vehicle report, vehicles you own, description of your home, claims history, credit reports, medical history, and other similar information. This information is used for both underwriting and claims handling purposes.

Information We May Disclose to Third Parties

In the course of our general business practices, we may disclose the information we collect for the following reasons:

  • To a third party if the disclosure will enable that party to perform a business, professional or insurance function for us
  • To a third party to protect you, and us against fraud and unauthorized transactions
  • To an insurance institution, agent, or credit reporting agency to perform a function in connection with an insurance transaction involving you
  • To a third party as required or permitted by law

We do not sell your nonpublic personal information to other companies for their own marketing purposes.

Online Activity

Our site may contain links to other websites. We have no control over the privacy practices or the content of any of our business partners or other sites that we may refer to as resources. Users should check the applicable privacy policies of the specific website when linking to other websites from our site.

Like many other sites, our website may utilize a standard technology called a “cookie” to collect information about how our site is used. Cookies were designed to help a website recognize a user’s browser as a previous visitor and, thus, save and remember any preferences that may have been set when the user was previously browsing the site. A cookie cannot retrieve any other data from your hard drive, pass on a computer virus or capture your email address. We only use cookies to gather information indicated in this policy and do not use cookies to gather personal identifying information about you without your consent.

We may perform statistical analyses of user behavior, which allows us to measure consumer interest in the various areas of our website. Any information we collect is used solely for internal purposes, to improve the content of the website, to enhance the user’s experience when visiting our site, to customize the content and/or layout of our pages and to provide the services required by an individual user. We do not use personal identifying information for any reason that is not either disclosed in this Statement or at the time the information is requested. There may be instances where you will have the opportunity to subscribe to an email list that will send information from our site, such as a newsletter. This will be done only with your permission and consent.

Transparency in Coverage

As a part of the Transparency in Coverage regulation, the Tri-Agencies (U.S. Departments of Health and Human Services, Labor, and Treasury) require health plans (including self-funded group health plans and insurers offering coverage in the individual and group markets) to publish negotiated rates for all items and services for Commercial coverage (In-Network files) and historical payments to, and billed charges from, out-of-network providers (Out-of-Network Files) in the form of machine-readable files made publicly available on an internet website. Visit for more information.

How We Protect Confidentiality

We restrict access to nonpublic personal information about you to employees that need to know the information in order to provide products and services to you. We maintain physical, electronic and procedural safeguards to ensure the privacy of your information.

Access to and Correction to Your Information
You have the right to access the information we have in our records about you. If you wish, you may inspect this information in person, or receive a copy by sending us a written request. You can notify us in writing if you believe any information should be corrected, amended, or deleted. We will either make the requested change, or explain why we cannot. If we do not make the requested change, you may submit a written statement identifying the disputed information, which will be included in future disclosures of your information. You may send your request to: Morris & Garritano Insurance, P.O. Drawer 1189, San Luis Obispo, CA 93406.
Thank you for your trust. If you have any questions or need additional information, please let us know.

What "covered" should feel like.