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Privacy Policy
Effective Date: 3/31/2026
KMK Insurance Agency (“we,” “our,” or “us”) is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, and protect your information when you interact with our website, services, and communications.
Information We Collect
We may collect personal information to better serve your insurance needs, including but not limited to:
Name, address, phone number, and email address
Date of birth and driver’s license information
Insurance history and coverage details
Payment and billing information
Business information (for commercial policies)
We may also collect non-personal information such as browser type, IP address, and website usage data.
How We Use Your Information
KMK Insurance Agency uses your information to:
Provide insurance quotes and policy options
Process applications and manage policies
Communicate with you regarding your coverage
Respond to inquiries and provide customer support
Improve our services and website experience
Comply with legal and regulatory requirements
Information Sharing
We do not sell your personal information. We may share your information with:
Insurance carriers and underwriting partners
Service providers assisting in business operations
Legal or regulatory authorities when required by law
All third parties are required to maintain the confidentiality and security of your information.
Data Security
We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, or misuse.
Cookies & Website Tracking
Our website may use cookies and similar technologies to enhance your browsing experience and analyze site traffic. You can adjust your browser settings to disable cookies if you prefer.
Your Rights & Choices
You have the right to:
Request access to your personal information
Request corrections or updates to your data
Opt out of marketing communications at any time
To make a request, please contact us using the information below.
Third-Party Links
Our website may contain links to external websites. KMK Insurance Agency is not responsible for the privacy practices of those sites.
Updates to This Policy
We may update this Privacy Policy periodically. Any changes will be posted on this page with an updated effective date.
Contact Us
If you have questions about this Privacy Policy or how your information is handled, please contact:
KMK Insurance Agency
63 Henderson AveCumberland Maryland 21502
Phone: 301-724-1013
Email: info@kmkins.comState-Specific Privacy Rights
KMK Insurance Agency complies with applicable state privacy and insurance laws. Depending on your state of residence, you may have additional rights regarding your personal information.
Maryland Residents
Under Maryland law, including insurance privacy regulations, you have the right to:
Access personal information we maintain about you
Request correction of inaccurate or incomplete information
Receive notice of information-sharing practices
We maintain safeguards in accordance with Maryland insurance data security standards to protect your personal information.
Pennsylvania Residents
In accordance with Pennsylvania insurance privacy laws, you have the right to:
Request access to recorded personal information collected in connection with your insurance transactions
Request correction, amendment, or deletion of inaccurate information
Receive disclosures about how your information is collected and shared
We will respond to requests within a reasonable timeframe as required by law.
West Virginia Residents
If you are a West Virginia resident, you have the right to:
Access and review personal information collected and maintained by us
Request corrections if your information is inaccurate
Be informed of the types of information we collect and how it is used
We comply with all applicable West Virginia insurance privacy and consumer protection laws.
Virginia Residents
Under the Virginia Consumer Data Protection Act (VCDPA), Virginia residents have the right to:
Confirm whether we are processing your personal data
Access and obtain a copy of your personal data
Request correction of inaccuracies
Request deletion of your personal data
Opt out of the processing of personal data for targeted advertising (if applicable)
To exercise your rights, please contact us using the information listed above. We will respond in accordance with applicable Virginia law.
Exercising Your Rights
To submit a privacy-related request, please contact KMK Insurance Agency using the contact details provided in this policy. We may need to verify your identity before processing your request.
Non-Discrimination
KMK Insurance Agency will not discriminate against you for exercising any of your privacy rights under applicable law.
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Website Disclaimer
Effective Date: 3/31/2026
The information provided by KMK Insurance Agency (“we,” “our,” or “us”) on this website is for general informational purposes only. By using this website, you agree to the terms outlined in this Disclaimer.
No Professional Advice or Guarantee of Coverage
All content on this website is provided in good faith; however, it is not intended to constitute insurance, legal, or financial advice. Coverage descriptions are general in nature and are not intended to replace or modify the terms, conditions, limitations, or exclusions of any insurance policy.
Any insurance coverage is subject to the terms and conditions of the actual policy issued by the insurance carrier. Not all policies, coverages, or discounts are available in every state or for every individual.
No Binding Coverage
Submitting information through this website, requesting a quote, or contacting KMK Insurance Agency does not bind coverage. Coverage cannot be guaranteed, changed, or confirmed until you receive written confirmation from a licensed representative of KMK Insurance Agency.
Accuracy of Information
While we strive to keep the information on this website accurate and up to date, KMK Insurance Agency makes no warranties or representations regarding the completeness, accuracy, or reliability of any information presented.
Third-Party Links
This website may contain links to third-party websites for your convenience. KMK Insurance Agency does not control or endorse the content, products, or services of any third-party sites and is not responsible for their practices or policies.
Limitation of Liability
KMK Insurance Agency will not be held liable for any errors or omissions in the content of this website, or for any losses, injuries, or damages arising from the use of this information or reliance on it.
Availability of Services
Insurance products and services referenced on this website are only available in states where KMK Insurance Agency is properly licensed, including Maryland, Pennsylvania, West Virginia, and Virginia.
Changes to This Disclaimer
We reserve the right to update or modify this Disclaimer at any time without prior notice. Any changes will be posted on this page with an updated effective date.
Contact Us
If you have any questions regarding this Disclaimer, please contact:
KMK Insurance Agency
63 Henderson AveCumberland Maryland 21502
Phone: 301-724-1013
Email: info@kmkins.com -
Terms & Conditions
Effective Date: 3/31/2026
Welcome to KMK Insurance Agency (“Company,” “we,” “our,” or “us”). By accessing or using our website, you agree to comply with and be bound by the following Terms & Conditions. If you do not agree, please do not use this website.
Use of Website
This website is intended for informational purposes only. You agree to use this website lawfully and not for any purpose that could damage, disable, or impair our services or interfere with other users.
No Guarantee of Coverage
Information provided on this website is general in nature and does not constitute a binding agreement. Submitting a quote request or contacting KMK Insurance Agency does not bind coverage or guarantee issuance of a policy.
Coverage is only confirmed when you receive written confirmation from a licensed representative and the policy is issued by the insurance carrier.
Quotes & Policy Information
Any quotes provided through this website are estimates based on the information you provide. Final premiums, coverage, and eligibility are subject to underwriting approval by the insurance carrier.
Intellectual Property
All content on this website—including text, graphics, logos, and design—is the property of KMK Insurance Agency and is protected by applicable copyright and intellectual property laws. You may not reproduce, distribute, or use any content without prior written consent.
Third-Party Links
Our website may include links to third-party websites. These links are provided for convenience only. KMK Insurance Agency does not control or endorse these websites and is not responsible for their content or practices.
Limitation of Liability
KMK Insurance Agency shall not be held liable for any damages arising out of or related to your use of this website or reliance on any information provided, including but not limited to direct, indirect, incidental, or consequential damages.
Privacy
Your use of this website is also governed by our Privacy Policy. By using our website, you consent to the collection and use of information as outlined in that policy.
Availability of Services
Our services are only available in states where we are licensed to operate, including Maryland, Pennsylvania, West Virginia, and Virginia.
Changes to Terms
We reserve the right to modify these Terms & Conditions at any time. Updates will be posted on this page with a revised effective date. Continued use of the website constitutes acceptance of those changes.
Governing Law
These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the State of Maryland, without regard to conflict of law principles.
Contact Information
If you have any questions about these Terms & Conditions, please contact:
KMK Insurance Agency
63 Henderson AveCumberland Maryland 21502
Phone: 301-724-1013
Email: info@kmkins.com