Your use of the Web Site constitutes your agreement to all such policies. If you do not agree to these policies, you should immediately cease use of the Web Site.
Use, Collection, and Disclosure of Personally Identifiable Information Collected on this Web Site. Personally identifiable information is used and collected when you voluntarily provide it to us in order to provide service to you. Except as otherwise stated herein, we use your personally identifiable information to fulfill or meet the reason for which the information was provided or for the purpose stipulated on the individual form requesting such information. For example, we collect personally identifiable information that site visitors provide when they complete and submit any online form, application, survey, resume or when they request a quote for insurance, which may include your first and last names, address, e-mail address, phone number, license number, and/or date of birth. We also collect and store the contents of e-mail you send to us, along with your contact address and our response. We do not sell your personally identifiable information to third parties.
We do not share such information with third parties unless it is to our affiliated companies, our service providers, to third parties that you have requested or authorized, or third parties where disclosure permitted or required by law (such as to law enforcement).
Children. We do not use our Websites to solicit data from or market to children under the age of 18. If you are under 18, you may use our Websites only with the involvement of a parent or guardian.
For more information about using our Websites, please view our Legal Terms and Conditions.
For California Residents:
Categories of Sources of Personal Information Collected
Commercial Insureds and Claimants
Identifiers including insured name, mailing address, legal form of the company, SIC code, federal ID #, years in business, financials and summary of experience (if new entity), contact, website address, and phone number.
Identifiers including name, mailing address, email address, social security number, employment history, education history, bank routing and account number (for direct deposit), social security number and inferences drawn from any of the information identified above to create a profile reflecting the employee’s preferences, characteristics, predispositions, behavior, attitudes, abilities, and aptitude.
Identifiers including name, mailing address, phone number, fax number, email address, DBA or C/O, federal tax ID, E&O carrier, E&O policy number, social security number, and location information.
The Business or Commercial Purpose for Collecting Personal Information
You provide this information to us when submitting an application and entering into a contract with us to allow us to manage the application process, assess and confirm your suitability for the specific product/service and to contact the you as needed throughout the course of business.
Commercial Insureds and Claimants
You provide this information to us when submitting an application to allow us to underwrite the risk, set a premium for the policy, and, if applicable, adjust claims.
This information is collected and used to evaluate your application for employment, to register you as a new employee, and to enroll you in benefits.
You provide this information upon entering into an agency agreement with us.
Categories of Third Parties With Whom the Business Shares Personal Information
Regulatory officials and law enforcement as required.
Commercial Insureds and Claimants
Regulatory officials and law enforcement as required, lienholders or mortgagees, information analytics and research vendors (for actuarial, underwriting, and product development purposes), insurance software companies, insurance agents, reinsurance brokers, inspection vendors, attorneys, court reporters, arbitrators, mediators, fire and/or police departments, ladder assists, salvage, subrogation, contractors engineer, temporary accommodations, and repair networks, and other insurance carriers.
Regulatory officials and law enforcement as required, background check vendors, licensing vendors, corporate credit card vendors, corporate housing vendors, continuing education vendors, travel and fleet vehicle vendors, water sensor manufacturers (if voluntarily signed up to participate in IoT Water Sensor pilot), policyholders, agents, social media, employee tax service, health carriers, retirement plan custodians, eVerify, and IBM Brass Ring applicant tracking system.
Regulatory officials and law enforcement as required, policyholders, insurance software companies, insurance agents, CRM (customer relationship management) vendors, phone system vendors, social media, outside counsel as needed regarding claims, lienholders, reinsurers, mail service vendors, research vendors, and printing vendors.
Sale of Personal Information
We do not sell personal information. In the past 12 months, we have not sold your personal information.
Your Rights Pertaining to Your Personal Information
The CCPA grants you particular rights (subject to certain exceptions) with respect to your personal information that companies may hold about you. Each of your rights is outlined in more detail below:
Requests for Copy, Deletion and Right to Know. Subject to certain exceptions, California consumers have the right to make the following requests, at no charge, up to twice every 12 months:
Deletion: the right to request deletion of their personal information that we have collected about you. Please note that California law provides you this right subject to certain exemptions that may apply (for example, where the information is used by us to detect security incidents, debugging, to comply with a legal obligation, or otherwise not subject to a deletion request).
Copy: the right to request a copy of the specific pieces of personal information that we have collected about you in the prior 12 months.
Right to Know. You have the right to request that we tell you how we have handled your personal information in the prior 12 months, including:
How to Exercise Your Rights
In order to exercise any of the rights described above, please contact us by:
We may need to request specific and/or additional information from you to help us confirm your identity and ensure your right to access or delete your personal information. This is a security measure designed to prevent the disclosure of your personal information to a person who has no right to receive it. We will only use this information to verify your identity or authority to make the request.
We will deliver our written response to you. We will not charge you a fee for access to your personal information (or to exercise any of your other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive, excessive, or manifestly unfounded, or we may refuse to comply with your request in these circumstances.
We will not be obligated to respond to more than two requests for data access/data portability in a 12-month period. Any responses will cover the 12-month period preceding your request.
Incentives and Discrimination. The CCPA prohibits discrimination against California consumers for exercising their rights under the CCPA and imposes requirements on any financial incentives offered to California consumers related to their personal information. Businesses may offer different prices, rates, or quality of goods or services if the difference is reasonably related to the value of the consumer’s data.
Authorized Agents. You can designate an authorized agent to make a request under the CCPA on your behalf.
For More Information. For questions or concerns about the business’s privacy policies and practices please contact us via the same phone number or website used to exercise your rights listed above.
Effective: January 1, 2020