This notice describes our privacy policy (“Notice”). By visiting our Web Site (“Web Site”), you are accepting the practices described in this Notice.

ARTICLE I– PRINCIPLES:
Section 1.01 — Principles: We may gather and use information as follows: (1) Notice: We may gather and use information as follows:

(a) Volunteered Information: We will receive and store any information you enter on the Web Site or give us in any other way that personally identifies you to improve your experience at the Web Site, to get a better general understanding of the type of individuals visiting the Web Site, and to enable us to contact you when needed. Typically, you will provide information on the Web Site for the purchase of products or services or when you submit comments or questions for review by us.

(b) Automatic Information: To enable us to provide content that users need and desire, we collect aggregated site-visitation statistics using cookies. A Cookie is simply a small data file we place on your computer’s hard drive when you first visit the Web Site (“Cookie”). This file contains a unique number that helps us identify you when you return to the Web Site. Cookies are employed by thousands of web sites to enhance users’ web viewing experience. Cookies can neither damage user files nor can they read information from users’ hard drives. We combine all usage information provided by such Cookies and we do not monitor your use of the Web Site. Allowing us to create a Cookie on your hard drive will not give us or any other site access to the rest of your computer’s hard drive, and only we will be able to read the Cookie that the Web Site creates.

(c) Information Use: We use information for personal identification; to get a better general understanding of the type of individuals visiting the Web Site; to respond to your requests for purchases, comments, or questions; to improve your experience at the Web Site; to collect aggregated site-visitation statistics; and to alert you to product enhancements, special offers, updated information, and other new services from us. We also use information to alert you of subscription renewal discounts, to automatically renew your subscription and advise you of upcoming service offerings and events.

We may disclose information to third parties, or disclosing customer lists to commercial or charitable users thereof. Disclosure for such purposes is limited to your name, company, position, address, phone and fax numbers, and web site and email addresses. If you do not wish to have such information disclosed, please let us know by contacting us. To enable us to process your request, please include your name and address. Once properly notified, we will remove your name from the lists and disclosures as soon as we practicably can in the course of normal business practices.

When you order products or services from us, we ask for your credit card number and billing address. We use this information only to bill you for the products or services you order at that time and for no other purpose. Annual subscriptions are payable on the purchase date of the Subscription and renew
automatically each anniversary unless canceled in writing thirty days in advance of each anniversary date.

Any user questions or comments submitted to us may become available in the public sections of the Web Site, including a section entitled “Frequently Asked Questions,” immediately after such questions or comments are submitted to us. If we publicize any user questions, such questions will not contain facts that identify the user or the specific parties involved. We also reserve the right to use any user comments submitted to us for promotional purposes and by submitting such comments to us you agree that we may do so.

We may release any user information if required to comply with law; to enforce or to apply the Web Site Terms and Conditions; or under the good faith belief that disclosure is otherwise necessary or advisable including, without limitation, to protect the rights, properties, or safety of us or our users.

(2) Choice: We give you a choice as to the type and amount of private information we have, as follows:

(a) Volunteered Information: You can always choose not to provide certain information to us. If you choose not to provide personal information, you can still use many parts of the Web Site. However, you will not be able to purchase products and services and you will not be able to take advantage of many of our features. If you have previously provided certain information to us and you desire to remove such information from our databases, or if you do not wish for your information to be disclosed to third parties, you may contact us to remove such information.

(b) Automatic Information: Most web browsers automatically accept Cookies, but if you prefer, you can edit your browser options to block Cookies in the future. The “Help” portion of the toolbar on most browsers will explain how you can prevent your browser from accepting new Cookies, how to set the browser to inform you when you receive a new Cookie, or how to reject Cookies altogether.

(3) Access: We provide you with the ability to ensure that your personal information is correct and current. You may review and update your personal information by contacting us. For security purposes, we require user verification via user’s user name and password to receive personal information.

(4) Security: We protect the security of your personal information. We take steps to protect your data from loss, misuse, alteration, destruction, or unauthorized access. We use sophisticated security technologies to secure users’ ordering information, user name, and password. We encrypt users’ ordering information, user name, and password (including users’ credit card account number) using Secure Socket Layer (“SSL”) technology. SSL is a proven coding system that lets your browser automatically encrypt, or scramble, data before you send it to us. To support this technology, users must have an SSL-capable browser. SSL is one of the safest encryption technologies available. While we use such sophisticated security technology to secure users’ ordering information, user name, and password, we cannot guarantee that any electronic commerce is totally secure.

Section 2.01 — User Safeguards: You are responsible for maintaining the secrecy of your user name, password, and any account information. It is important for you to be responsible and protect your user name, password, and computer against unauthorized users. It is important to sign off when you have completed using a computer accessible by others.
Section 3.01 — Children: We do not sell products for children. Users of the Web Site must be at least eighteen years old. If a child has provided us with personal information, that child’s parent or guardian should contacting us to delete such information from our records.

Section 4.01 — Third Party Web Sites: Please be aware that the Web Site may have links to third party web sites that may collect personally identifiable information about you. When you click on one of these third party links, you are entering another web site for which we have no responsibility. This Notice does not cover the information practices or policies of such third party web sites. We encourage you to read the privacy statements of all such web sites since their privacy policies may be materially different from our Notice.

Section 5.01 — Agreement and Modification: By using and accessing the Web Site you indicate that you have read and understand this Notice and you consent to the collection and use of information by us in the manner explained in this Notice. This Notice and the Web Site Terms and Conditions, including without limitation, provisions covering limitations on damages, arbitration of disputes, and the application of Texas law govern any dispute over privacy. By using and accessing the Web Site you agree to indemnify us for any and all third party claims resulting from your breach of this Notice or the Web Site Terms and Conditions. If you have any questions or concerns about your privacy at the Web Site, please contact us if you do not accept this Notice, do not access and use the Web Site. We may revise this Notice at any time without notice by updating this Notice. Any modifications in the way we use personal information will be provided in future updates of this Notice so you are always aware of what information we collect, how we use it, and under what circumstances we disclose such information. Modifications will be effective immediately and will be available on the Web Site. You should visit this web page periodically to review the Notice. User accepts any such modifications to this Notice by continued use of the Web Site after such modifications are made.

What Our Clients Are Saying

Clients choose to hire us because we know their business and know what they need. They continue to work with us because we put their interests first.

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“From contract review to safety assistance, Koppinger & Associates provides knowledgeable guidance, we truly see them as a strategic partner.” Read More

“Koppinger & Associates first takes a very personal interest in your business, then designs the most competitive insurance program available. Rarely do you find a professional services firm who invests their time to really know and understand your business.” Read More

“We are one of the largest Marine Diving Contractors in Michigan. With Koppinger now part of our team, we have lowered our workman’s comp insurance rates and are now protected with the proper Marine and pollution policies and winning more bids.” Read More

“The team at Koppinger & Associates is responsive, proactive and our total resource. From assisting us with safety programs, to creating a plan to manage our benefit programs including employee education about consumer driven health plans, Eileen and her team bring the knowledge and resources we need to be our best.” Read More

“As a CNC machining company, we have seen our share of changes in our market and the economy. Koppinger & Associates, Inc. has been our insurance backbone for over 20 years in both Commercial Insurance and our Employee Benefits program.” Read More

“As a small business managing compliance can be a full time job, Koppinger & Associates brings the knowledge, assistance and resources to help us meet the challenge! It is not uncommon to find Eileen in the plant helping our supervisors with return-to-work programs and safety or conducting an open enrollment meeting for our employees: our needs are always in focus and the priority.” Read More

“[…] Eileen and her staff understand our industry, and have the knowledge and experience to guide us. I have a lot to think about running and managing a contracting business, but I know I can rely on the team at Koppinger & Associates who care about the success of my business and the welfare of my employees.” Read More

“When it comes to risk management, Koppinger & Associates, Inc. provides the personal service and expertise we were looking for. Eileen and her team have a logical method of explaining and educating us in the world of risk transfer that is clear and to the point. We can always rely on their support and it is reassuring to know we have an adviser who keeps our best interest first.” Read More

“We were concerned with the lack of employee engagement and education regarding our benefit plans. We heard about Koppinger & Associates, Inc. through a mutual contracting associate. After meeting with Eileen, she conducted a complete analysis of our needs and educated us on the plans that made the most sense based upon our needs. Our… Read More

“You want the Koppinger & Associates team on your side. When our ownership structure changed we were in jeopardy of losing our excellent workers compensation experience, due to their knowledge of the Michigan Workers Compensation Bureau rules we successfully kept our experience: saving us thousands of dollars!” Read More

With Eileen and the Koppinger & Associates team, our needs are always in focus and a priority. During our 20-year partnership, they have been exceptional advisers and resources. From assistance with contract review and negotiation, to benefit plan compliance, we know we can count on them for the help we need. Read More

"Koppinger & Associates is a true strategic partner, we know we can count on Eileen and her team for advice. Whether we are managing our risks for a plant expansion or evaluating our sprinkler system and infrared testing to reduce fire exposure, her team delivers quality advice and solutions to our privately-held, 70 year-old manufacturing company." Read More

“We are a growing manufacturer and people are our most important asset. […] We needed a strategic, long-term plan for our benefit programs, including benefit education for our employees and support for our People Operations (Human Resources). The team at Koppinger & Associates delivered a well-thought-out plan, critical in-person employee education our team needed and five star support.” Read More

“Koppinger & Associates, Inc. has been instrumental in my ability to effectively administer our Employee Benefits program. They are very knowledgeable and ready to assist with open enrollments, employee education, billing and claims.” Read More

“Partnering with Koppinger & Associates, Inc. was one of the best business decisions we have made. We are extremely satisfied with the responsiveness we receive from Eileen and her team. They are always there to answer our questions, we are treated as if we are their only client.” Read More

“Partnering with Koppinger & Associates, Inc., we were able to prepare and tackle the hurdles of Healthcare Reform and the Affordable Care Act. Koppinger & Associates, Inc. had the knowledge and dedication to create and execute a plan […]. The guidance that Koppinger & Associates, Inc. provides us is unrivaled!” Read More

“Koppinger & Associates, Inc. looks at the business first and evaluates the needs of each business on an individual basis. Each business is unique and I would expect nothing less. The staff at Koppinger & Associates, Inc. is awesome to work with, and presents themselves as a team.” Read More

We Offer Solutions

We will help you identify business risks and implement problem-solving solutions that are tailored to your industry. Your needs come first with the ultimate goal of empowering you to lead and grow your business.