The very nature of our business requires a strong relationship of trust with our customers. We hold this relationship in great regard, and therefore give total assurance that we will not misuse information that we receive about customers.

The following is our Privacy Policy regarding the collection and disclosure of our customers’ personal information. The Privacy Policy is subject to updates at any time.

Personal Information

Personal information is any information that identifies an individual personally. Personal information includes but is not limited to such information as name, address, SSN, date of birth, credit history, policy or claim information.

How We Collect Personal Information

We collect personal information to enable us to provide our products and services to customers and to support our business operations. We obtain personal information directly from the customer, from customer-related transactions and from third parties, such as a consumer reporting agency.

Protecting Personal Information

We use procedural, manual and electronic security controls to maintain the confidentiality and integrity of personal information in our possession and guard against its unauthorized access. We dispose of printed pages including personal information using a locked box and shredding service, for which we receive a certificate of shredding.

Disclosing Personal Information

We keep our customers’ personal information private and do not give it to others, unless allowed. We do not give or sell our customers’ personal information to other companies for marketing purposes. We may share personal information that we have about customers with insurance companies with business reason for the information such as for the purpose of quoting and obtaining a policy. We may give personal information to other persons or companies to help us manage or service our business. When we do, we require them to use it only for the reasons we gave it to them. To serve our customers and administer our business including the processing of claims, we may share personal information about customers with unaffiliated third parties, including agents, brokers, other insurance companies, reinsurers, regulators, administrators and service providers and as otherwise permitted or required by law. Such sharing of data may be outside the jurisdiction in which the data was obtained.

Customer Rights

We acknowledge that some customers about whom we collect personal information have certain legal rights concerning that information. These individuals have a right to be told of their privacy rights and our information handling practices. They have a right to know what information we have about them, how we obtained it, and with whom we may share it. They also have a right to request correction of any wrong information pertaining to them in our file. We supports these rights as they add a measure of security and confidence to our dealings with the public. We will do everything we reasonably can to assist customers in exercising their privacy rights and will not attempt to dissuade them from doing so.

What We Mean when We Talk About “Privacy”

Your privacy is important to us. When we sell an insurance policy to a person we need information about the person or property that we’re insuring. We consider this private and have taken steps to keep it confidential.

What Kind of Information We Have and Where We Get It

You give us most of what we need in the application process. To make sure what we have is correct we may need to check with you by phone or mail.

You may be asked to give us more details in writing or over the phone. Plus, we may receive and check your past insurance claims from insurance support organizations or your former insurers.

As allowed by law, we may ask for credit and other consumer reports from consumer reporting agencies concerning your application for insurance or any renewal of insurance. Information given to us by an insurance support organization, including consumer reporting agencies may be retained by them and disclosed to other persons.

For auto insurance, we often get a report of accidents or convictions from your State Motor Vehicle Department. We get these reports through an independent reporting company. We may also check information from government agencies or independent reporting companies. This helps us correctly rate and price your policy.

For home, building, or boat insurance, we or an inspector from an independent company may visit the property to inspect and report on its condition. In some cases, pictures may be taken. This allows us to check the estimate we have of your property’s value. If we need more details about the property or the alarm you’ve installed, we may need to enter your property to finish the inspection. We would contact you before entering your property.

As a part of our application and underwriting process, in most states, we also order an Insurance Score based on credit history. We use the Score, information you give us, and other consumer reports for underwriting and the price we will charge. If we receive corrected personal information from a consumer reporting agency, we will re-evaluate you.

Once you’re insured with us, your file may contain details about your policy(ies). This may include bill payments or claim history. A claim representative may comment, for example, on the condition and use of the insured property. We may also keep a police report if one was issued.

Who Has Access to This Information

We keep what we collect about you in our files. Our policies and procedures protect your personal information. We have physical, electronic and procedural safeguards in place.

We do not give or sell our customers’ personal information to others for marketing purposes. You don’t have to ask us to keep your information private because we do not give it, unless allowed.

If you have any questions about the right of access to or correction of your file, we’ll be happy to review our procedures with you.