Cookie Policy

Effective Date: January 01, 2026

Last Updated: August 12, 2026

This Cookie Policy explains how Prime Harbor Insurance, LLC (“Prime Harbor,” “we,” “us,” or “our”) uses cookies, pixels, tags, scripts, web beacons, software development kits (SDKs), and similar tracking technologies on primeharborinsurance.com (the “Website”) and in our digital communications.

By using our Website, you agree to the use of cookies as described in this Cookie Policy and as managed through our cookie preference center, except where you have opted out of non-essential cookies. You can change your cookie preferences at any time using the methods described below.

This Cookie Policy works together with our Privacy Policy and our Do Not Sell or Share My Personal Information page. Read those documents together for a full understanding of your privacy choices.

What Cookies and Tracking Technologies Are

A “cookie” is a small text file that a website places on your computer, tablet, mobile device, or other internet-connected device when you visit the website. Cookies allow the website to recognize your device and remember information about your visit, including preferences, login status, and browsing behavior.

In addition to traditional cookies, this Cookie Policy covers similar tracking technologies, including:

– Pixels and web beacons. Tiny images embedded in webpages or emails that record when content is viewed or interacted with
– Tags and scripts. Code snippets that collect information about user behavior and send it to analytics or advertising platforms
– Local storage and session storage. Browser-based storage mechanisms similar to cookies but with different technical properties
– SDKs and mobile identifiers. Software components and identifiers used in mobile applications and platforms
– Server-side tracking. Tracking conducted on our servers rather than in your browser

Throughout this Cookie Policy, we use the term “cookies” to refer to all of these tracking technologies for simplicity, unless a specific distinction is necessary.

Why We Use Cookies

We use cookies for the following purposes:

– Operate the Website and ensure essential functionality
– Remember your preferences and settings between visits
– Authenticate users and prevent fraud or unauthorized access
– Understand how visitors interact with the Website
– Measure the performance of forms, content, and conversion paths
– Improve the design, layout, and user experience of the Website
– Deliver and measure marketing and advertising
– Provide cross-context behavioral advertising on third-party platforms
– Comply with legal obligations and enforce our policies

Cookies allow us to provide a more efficient, useful, and secure Website experience. Without certain cookies, key Website features may not work properly.

Categories of Cookies We Use

We classify cookies into four categories. You can manage your preferences for each category through our cookie preference center, except for strictly necessary cookies, which cannot be disabled.

A. Strictly Necessary Cookies

These cookies are essential for the Website to function. They cannot be disabled in our cookie preference center.

Strictly necessary cookies are used to:

– Maintain your session as you navigate the Website
– Remember information you have entered into forms during your session
– Enable secure log-in to any account or portal where applicable
– Detect and prevent fraud, bot activity, and unauthorized access
– Load balance traffic to keep the Website running smoothly
– Honor your cookie preferences and consent choices
– Enable accessibility features and assistive technology compatibility
– Comply with legal and security obligations

Disabling these cookies would prevent the Website from functioning. They do not collect information used for marketing purposes.

B. Functional Cookies

These cookies enhance your experience by remembering preferences and personalizing content.

Functional cookies are used to:

– Remember your language and regional preferences
– Remember your communication preferences
– Save quote-intake progress so you can resume forms
– Display location-relevant information based on general region
– Customize the Website appearance based on your preferences
– Provide enhanced features such as chat widgets and quote tools

You can disable functional cookies. If you do, certain personalization features may not work, and you may need to re-enter preferences each time you visit.

C. Analytics Cookies

These cookies help us understand how visitors interact with the Website so we can improve performance, content, and design.

Analytics cookies are used to:

– Count visitors and track Website traffic patterns
– Identify which pages, content, and features are most engaging
– Measure form completion, abandonment, and conversion rates
– Understand the customer journey from first visit to bound policy
– Identify technical errors, broken links, and performance issues
– Test and improve different design and content variations

We may use analytics tools including Google Analytics, server-side analytics, heatmap tools, and similar services. Analytics data is generally aggregated and used in summary form, but in some cases, it may be associated with online identifiers.

You can disable analytics cookies. Disabling these cookies will not affect your ability to use the Website but will limit our ability to improve it based on your usage patterns.

D. Advertising and Targeting Cookies

These cookies are used to deliver advertising that is relevant to your interests, measure advertising performance, and support cross-context behavioral advertising on third-party platforms such as Google, Meta (Facebook and Instagram), and similar networks.

Advertising and targeting cookies are used to:

– Deliver Prime Harbor advertisements on third-party websites and platforms
– Build audience segments for targeted advertising campaigns
– Measure the effectiveness of advertising and conversion campaigns
– Show you relevant advertisements based on your prior interactions with our Website
– Limit the number of times you see the same advertisement
– Connect your Website activity to advertising platforms for remarketing

These cookies may be considered “sale” or “sharing” of personal information under the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), and similar state privacy laws.

You can disable advertising and targeting cookies through:

– Our cookie preference center
– The Global Privacy Control (GPC) browser signal, which we honor
– Browser-based controls and privacy extensions
– Industry opt-out tools at optout.networkadvertising.org and optout.aboutads.info
– Our Do Not Sell or Share My Personal Information page

For complete details on opting out of advertising and tracking, see our Do Not Sell or Share My Personal Information page.

First-Party and Third-Party Cookies

First-Party Cookies

First-party cookies are placed by Prime Harbor directly through the primeharborinsurance.com domain. We use first-party cookies for site functionality, preferences, basic analytics, and conversion measurement.

Third-Party Cookies

Third-party cookies are placed by external services we use on our Website. Common third-party cookie providers include:

– Google Analytics and Google Tag Manager for analytics and tag deployment
– Google Ads for advertising and conversion tracking
– Meta Pixel for Facebook and Instagram advertising and conversion tracking
– CRM platforms such as HighLevel for lead capture, automation, and tracking
– Chat and conversational AI providers for live chat and chatbot functionality
– Voice AI providers for voice agent and call routing functionality
– Cloudflare and similar security providers for security, DDoS protection, and performance
– reCAPTCHA and bot mitigation services for form security
– Review and rating platforms including Google Business Profile, Trustpilot, and the Better Business Bureau

Each third party operates under its own privacy policy and cookie practices. We make reasonable efforts to select third parties with strong privacy and security practices, but we do not control how third parties use cookies they place. Review the privacy policy of each third party for details on how they handle your information.

Session and Persistent Cookies

Cookies can be classified by how long they remain on your device:

– Session cookies are temporary and are deleted when you close your browser
– Persistent cookies remain on your device for a set period or until you delete them, allowing the Website to recognize you on return visits

We use both types depending on the purpose of the cookie. Strictly necessary cookies are typically session-based. Functional, analytics, and advertising cookies often persist for periods ranging from a few days to several months or up to two years, depending on the specific cookie and platform.

Managing Your Cookie Preferences

You can manage your cookie preferences in several ways:

A. Cookie Preference Center

When you first visit the Website, you will see a cookie consent banner that allows you to accept all cookies, reject all non-essential cookies, or manage preferences by category. You can reopen the cookie preference center at any time using the “Cookie Preferences” or “Privacy Choices” link in the Website footer.

Through the cookie preference center, you can:

– Accept or reject functional cookies
– Accept or reject analytics cookies
– Accept or reject advertising and targeting cookies
– See descriptions of each cookie category
– Update your preferences at any time

Strictly necessary cookies cannot be disabled because they are essential for the Website to function.

B. Global Privacy Control (GPC) Signal

We honor the Global Privacy Control browser signal as a valid opt-out request. If your browser or browser extension transmits a GPC signal, we will treat that signal as an opt-out of advertising and targeting cookies for that browser and device.

To enable GPC, use a browser that supports it natively such as Brave or Firefox with appropriate settings, or install a GPC-enabled extension such as Privacy Badger or DuckDuckGo Privacy Essentials.

C. Browser Settings

Most browsers let you block, delete, or limit cookies through browser settings. Common browser controls include:

– Blocking all cookies (may prevent the Website from functioning correctly)
– Blocking only third-party cookies
– Deleting existing cookies
– Setting browsers to delete cookies when closed
– Receiving notifications when cookies are placed
– Enabling private or incognito browsing mode

For specific instructions, see the help documentation for your browser:

– Google Chrome: support.google.com/chrome
– Mozilla Firefox: support.mozilla.org
– Apple Safari: support.apple.com
– Microsoft Edge: support.microsoft.com

D. Mobile Device Settings

iOS and Android devices include settings to limit ad tracking and reset advertising identifiers:

– iOS: Settings > Privacy & Security > Tracking and Settings > Privacy & Security > Apple Advertising
– Android: Settings > Privacy > Ads

E. Industry Opt-Out Tools

Several industry organizations provide opt-out tools for cross-context behavioral advertising:

– Network Advertising Initiative (NAI): optout.networkadvertising.org
– Digital Advertising Alliance (DAA): optout.aboutads.info
– DAA AppChoices for mobile: youradchoices.com/appchoices

These tools are operated by third parties, not Prime Harbor. Their effectiveness depends on third-party compliance and may change over time.

Effect of Disabling Cookies

If you disable certain cookies, you may experience the following:

– Some Website features may not function correctly or at all
– Personalization and saved preferences may not be available
– Quote-intake forms may not save progress between sessions
– We may not be able to recognize returning visitors
– Advertising you see on third-party platforms may be less relevant to your interests
– We may have less ability to detect and prevent fraud and unauthorized access

Strictly necessary cookies cannot be disabled. If your browser blocks all cookies including necessary ones, the Website may not function.

Do Not Track Signals

Some browsers offer a “Do Not Track” (DNT) feature that signals websites you visit that you do not want your activity tracked. Because there is no universal industry standard for how to interpret DNT signals, we do not respond to DNT signals at this time.

We do honor the Global Privacy Control (GPC) signal as an opt-out of the sale and sharing of personal information, as described in Section 6.B above and our Do Not Sell or Share My Personal Information page.

Cookies in Email Communications

We may use tracking pixels and similar technologies in email messages to understand whether emails are opened, when, and which links are clicked. This helps us measure the effectiveness of our communications and improve content over time.

You can limit email tracking by:

– Configuring your email client to block external images and remote content
– Using a privacy-focused email service or extension
– Unsubscribing from marketing emails using the unsubscribe link

Disabling email tracking does not prevent us from sending you emails you have opted in to receive.

Cookies and Children

The Website is not directed to children under 13. We do not knowingly use cookies to collect information from children under 13. For details on our practices regarding children’s privacy, see our Privacy Policy.

Cookies and Sensitive Personal Information

We do not use cookies to collect sensitive personal information such as Social Security Numbers, full driver license numbers, payment card numbers, bank account information, or detailed health information. Cookies are limited to general identifiers, browsing behavior, and similar Website-related information.

For our practices regarding sensitive personal information, see our Privacy Policy.

International Visitors

The Website is intended for residents of the United States. If you visit the Website from outside the United States, your information collected through cookies may be transferred to, stored in, and processed in the United States, where data protection laws may differ from those of your country. By using the Website, you consent to such transfer.

Updates to Cookie Practices

We may update our use of cookies from time to time. When we make material changes, we will update this Cookie Policy and revise the “Last Updated” date above. Material changes may also be communicated through the cookie consent banner or other reasonable means.

We periodically review the cookies and tracking technologies on the Website. If we add new categories of cookies or change how existing cookies operate, we will update this Cookie Policy and the cookie preference center accordingly.

Cookie List

A detailed list of specific cookies used on the Website, including the name of each cookie, its purpose, the third party that places it (if applicable), and its expiration period, is available through our cookie preference center. The list is updated automatically as we add or remove cookies.

To view the current cookie list, click “Cookie Preferences” in the Website footer and view the details under each cookie category.

Contact Us

For questions about our use of cookies or this Cookie Policy, contact:

Prime Harbor Insurance, LLC
Attention: Privacy Officer
900 Camp St, STE 3 STE 1272
New Orleans, LA 70130
Phone: 504-949-4760
Privacy Email: privacy@primeharborinsurance.com
Legal Email: legal@primeharborinsurance.com
General Email: info@primeharborinsurance.com