Categories of Personal Information We May Collect and Share
We collect only the customer information necessary to consistently handle your insurance needs and fulfill legal and regulatory requirements. The information collected generally varies depending on the products or services you request and may include the following.
Once you are a customer, your file may also contain information connected with any claims you have had (such as medical information about you), a damage or loss report, or the condition of an insured property.
What We Do With This Information
We treat your information with respect and concern for your privacy. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. We use customer information to underwrite you policy (or policies) and process claims. For example, we may exchange information with reputable consumer reporting agencies in connection with your application for insurance and/or renewal of such insurance. We may share information with you insurance producer. We may also disclose information we have collected about you to companies that perform services on our behalf or in order to better service your policy. When we share customer information with companies working on our behalf, we expect those companies to use that information only to provide the service we have asked them to perform. Within our company, customer information is available to those individuals who may need to see it to fulfill and service the policy. We communicate regarding the need to protect customer information to all employees and producers, especially those individuals who have access to it. We maintain physical, electronic and procedural safeguards to protect your personal information.
We obtain medical information only in connection with specific products or claims. We will not use or share personally identifiable medical information for any purpose other than the underwriting or servicing of your policy, the processing of a claim, a specific business exception provided in the law, or as otherwise disclosed to you when the information is collected. Under no circumstances will we share medical information for marketing purposes.
Lastly, we may be required by law or regulation to disclose information to third parties in response to a subpoena, to prevent fraud and to comply with rules of, or inquiries from industry regulators. Such disclosures may include, but are not limited to, the following.
We will reaffirm this policy annually in writing, as long as you maintain a customer relationship with us.