Brown & Brown
Financials
31
out of 100. Number 383 of 512, counting from the worst.
Where Brown & Brown does well
- Renewals 0 of 20. Nothing found.
- Data sharing 4 of 20. Few problems found.
- No forced arbitration clause and no class-action waiver appear in the Terms of Use — a genuine bright spot versus most consumer-facing companies.
- The Global Privacy Statement explicitly states 'We do not, and will not, sell your personal information or disclose it to third parties for cross-context behavioral advertising,' with 'no actual knowledge' of any sale or sharing even for under-16s.
- The company states it does not use personal information for automated decision-making (including profiling) that produces legal effects.
- Privacy rights are honored across 19 US states via a web portal and a toll-free number (+1 888-914-9661, PIN 363 845), with a stated non-discrimination pledge.
- Personal data collected directly from children under 13 is deleted upon notice.
They can rewrite the rules at any time, with zero notice, and just by visiting the site after the change you have 'accepted' it.
The fine print
6 clauses and findings from the draft archive, dated 1 October 2026. The plain English comes first; the small print is the company's own words. None of these has been checked yet.
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They can rewrite the rules at any time, with zero notice, and just by visiting the site after the change you have 'accepted' it. There is no email notice, no pop-up, no opt-out — only the option to stop using the site.
THESE TERMS OF USE ARE SUBJECT TO CHANGE BY BROWN & BROWN, INC. AT ANY TIME IN ITS DISCRETION. YOUR USE OF THE WEBSITE AFTER SUCH CHANGES ARE IMPLEMENTED CONSTITUTES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THE CHANGES... We have the right to modify this Agreement and any other Agreement or policy referenced in the Website or linked to in the Website. No notice is required for any such modification. Any modification is effective immediately upon posting to the Website.
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If you ever sue them — even about the website — you have already given up your right to a jury, must sue in Florida courts (Middle District of Florida / Volusia County), and must pay Brown & Brown's lawyers even if you WIN. There is no arbitration clause, but this fee-shifting clause is arguably worse than one.
YOU KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE ANY RIGHT YOU MAY HAVE TO A TRIAL BY JURY WITH RESPECT TO ANY PROCEEDING ARISING OUT OF OR IN ANY WAY RELATING TO THIS AGREEMENT. ... You knowingly, voluntarily and intentionally agree to pay all costs and expenses, including attorneys fees, for Brown & Brown with respect to any proceeding arising out of or in any way relating to this Agreement, regardless of the outcome of said proceeding.
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No matter what goes wrong — even with insurance products offered on the site — the most you can recover is $1. One dollar. They also disclaim liability for your information (including medical information) being disclosed through their own negligence.
THE LIABILITY OF BROWN & BROWN, IF ANY, ARISING OUT OF ANY KIND OF LEGAL CLAIM, WHETHER IN CONTRACT, TORT OR OTHERWISE, IN ANY WAY CONNECTED WITH THE BROWN & BROWN WEBSITE OR THE INSURANCE PRODUCT(S) OR INSURANCE SERVICE(S) OFFERED THEREIN IS LIMITED TO THE MINIMUM AMOUNT ALLOWABLE BY LAW AND IN NO EVENT SHALL IT EXCEED ONE DOLLAR ($1.00).
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Anything you send them through the site — feedback, ideas, suggestions, documents — becomes theirs to use forever, for free, including in future products and advertising, with no payment or credit owed to you. (Limited carve-outs exist for applicable law or their privacy policy.)
You hereby grant to Brown & Brown the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all content, remarks, suggestions, ideas, graphics, or other information communicated to Brown & Brown through this site (together, the 'Submission')... without incurring any liability for royalties or any other consideration of any kind.
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There are no concrete retention limits — your data is kept as long as they deem 'reasonably required,' plus for any internal policy, tax, or 'prospect of litigation.' No fixed deletion timelines are given anywhere.
We keep personal information for as long as is reasonably required for the purposes explained in this Statement. We also hold records, which may include personal information, to meet legal, regulatory, tax, accounting and/or internal data retention policy needs... We'll also retain files if we reasonably believe there is a prospect of litigation.
Brown & Brown Global Privacy Statement (last updated April 20, 2026)
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Your personal data (including health, financial, and claims details) is routinely passed to insurers, reinsurers, brokers, intermediaries, and any affiliate company — and affiliates may use it to market their own products to you. This is inherent to the brokerage business, but the marketing use by affiliates is optional for them, not you.
We may disclose your personal information to ... consultants, insurance carriers, reinsurers, intermediaries, and third-party agents/brokers to assist us in providing Services to you or in otherwise conducting our business... Your personal information may be disclosed to other companies within the Brown & Brown family of companies, for example, to provide you with our products and Services or to provide you with information about their products and Services.
Brown & Brown Global Privacy Statement (last updated April 20, 2026)
How these were found
Documents read directly from official domains via browser_open: (1) 'Legal Notices' Terms of Use at https://www.bbinsurance.com/legal-notices/ — this page carries NO visible last-updated date or version stamp, so currency cannot be confirmed; the Privacy Policy links embedded in it ('here') appear broken/misrouted and did not resolve to a privacy document, so the privacy analysis relies on document (2). (2) 'Brown & Brown Global Privacy Statement' at https://www.bbrown.com/us/privacy-statement — last updated April 20, 2026 (current). The Virginia/CDPA privacy notice once referenced at https://www.bbinsurance.com/cdpa-privacy-notice/ now redirects to the homepage and could not be reviewed; Virginia is covered by the Global Privacy Statement. No mirrors were needed. Brown & Brown is a B2B insurance brokerage (thin consumer surface: no consumer accounts, subscriptions, or checkout flow), so scoring reflects only what the two public documents actually contain; individual client/brokerage contracts (not public) may contain further terms. No arbitration clause was found in the Terms of Use.
These notes come from the original draft and are not independent verification.