Investigative practices and protection of your privacy

Dear Valued Customer:

As part of our service to you as a policyholder, we want you to understand the investigative practices that may be used to verify pertinent policy information. We want to assure you that we are as concerned as you are about your privacy and we make every effort to protect it.

Collection of Information

Most of the personal information we collect comes directly from you at the time you apply for insurance. In most cases, this is all the information we need.

Types of Information

The information that is collected is used to help us decide if you qualify for the insurance you have applied for. Information such as the use of your vehicle(s), drivers, prior accidents and driving violations, previous insurance experience, ets., may be requested with regard to your vehicles. Information such as construction type, roof construction, square footage, heating, other physical characteristics, housekeeping habits, previous insurance experience, ets., may be requested with regard to policies covering you building and business personal property. Information such as estimated annual payroll, gross receipts, specific types of operations conducted by your business, products produced or sold, etc., may be requested with regard to policies covering your commercial liability exposures. This information is kept in the confidential policy file that only members of our organization have access to. We refer to this information for the purpose of issuing and servicing your policy and for settling claims.

What we do with information about you

With few exceptions, we do not release any of the information that we’ve collected about you to anyone else without your consent. The exceptions occur when the disclosure is necessary for us to conduct our business, thus we may share information about you without your prior consent. We want to assure you the only persons that information might be released would be to persons involved with insurance.

Access to and correction of personal information

You have the right to know the contents of any recorded personal information that our file may contain about you. You also have the right to receive a copy of this information and to request that we correct, amend or delete any of the information that you feel is in error. These rights do not extend to information collected in connection with or reasonable anticipation of a claim or civil or criminal proceeding, or to specific items of privileged information when an applicant or policy holder is suspected of fraud, material misrepresentation or material nondisclosure. If you would like more information about how to review and correct recorded personal information, please write to us and we will be glad to provide you with a description of the necessary procedures. If, after reading this you have any further questions, please feel free to contact us.

“Listen, Educate, Protect”