We think it is important to protect applicants’ and policyholders’ (our customers’) privacy and keep their personal information private.   We handle that personal information accordingly.  We provide customers with our privacy policy as required by law.  This is a short summary of some of the provisions of that policy.

We might collect personal information about customers from applications and other forms, their business dealings with us and others, as well as from third parties like the Department of Motor Vehicles and consumer reporting agencies.  We might disclose a customer’s name, address, social security number and information about them or their application or policy when necessary to handle their insurance business.

We do not disclose any personal information about a customer to anyone unless allowed by law.  We may disclose a customer’s personal information to our affiliates and carriers, and to other third parties who perform services for us, as allowed by law.  We do not share a customer’s personal information with any other businesses to sell products or services to them.  We do not disclose a customer’s personal information to others except when we get their consent in advance, or when we try to get them better coverages or prices.  When a customer’s current policy comes up for renewal, we may share their information with other insurance companies.  We would do this to try to find better coverage or prices for our customer’s renewal policy.   If a customer wishes to prevent that from happening, they may “opt out.”   In our privacy policy, we explain how to “opt out” and provide several no-cost ways for our customers to do that.

So, if a customer does not want us to try to get better coverage or better prices from a different insurance company when it is time to renew your policy, they may tell us and we won’t disclose their personal information to other insurance companies to get renewal quotes.    Opting out might stop us from adding important coverage in the future or quickly replacing a coverage if the customer’s present insurer stops coverage.  Because we may need to do these things to provide our customers with quality service, in our privacy policy, we urge customers not to “opt-out.”  A customer can opt-out at any time, but if we don’t hear from them in the first 30 days after providing the privacy policy, we can go ahead and share information about them as allowed by law.

Whether or not a customer “opts-out,” we protect their personal information that is not public. We only give access to that information to employees who need it to do their job.  We will discipline employees who we find out have used it for other purposes.  

We allow our customers to inspect recorded personal information about them that we have in our records.  The procedures for inspecting that information is spelled out in the privacy policy provided to customers.

This is merely a short summary of our privacy policy.  Full details are provided to customers at the time and in the manner provided for in the law.

NlinkSuite V1.2_January, 2009