Why We Collect and How We Use Information.
We collect and use Information for business purposes with respect to our insurance products and services and other business relations involving our customers. We gather this Information to evaluate requests for insurance, to evaluate insurance claims, to administer, maintain or review an insurance policy, and to process insurance transactions. We also accumulate certain information about customers as may be required or permitted by law.
The customer’s insurance agent or broker also collects this Information and may use it to help with the overall insurance program or to market additional products and services. We may also use Information to offer other products or services that we or our Affiliates provide.
How We Collect Information.
Most Information collected by us is provided by customers or their insurance agent or broker to us. We obtain Information from (i) applications or other forms submitted by customers, their insurance agent or broker or their authorized representatives to us and our Affiliates, and (ii) customer transactions with us or our Affiliates. We may also obtain Information from other sources such as (i) consumer reporting agencies, (ii) other institutions or information services providers, (iii) employers, (iv) other insurers, or (v) customer family members.
Information We Disclose
We disclose any Information which we believe is necessary to conduct our business as permitted by applicable law or where required by applicable law. This disclosure may include (i) Information we receive from customers on applications or other forms provided to us and our Affiliates, such as names, addresses, social security numbers, assets, employer information, salaries, etc. (ii) Information about customer transactions with us and our Affiliates, such as policy coverages, premiums, payment history, etc., and (iii) Information we receive from a consumer reporting agency, such as credit worthiness and credit history.
To Whom We Disclose Information
We may, as permitted or required by applicable law, disclose customer Information to nonaffiliated third parties, such as (i) an insurance agent or broker, (ii) independent claims adjusters, (iii) insurance support organizations, (iv) processing companies, (v) actuarial organizations, (vi) law firms, (vii) other insurance companies involved in an insurance transaction with customers, (viii) law enforcement, regulatory, or governmental agencies, (ix) courts or parties therein pursuant to a subpoena or court order, (x) businesses with whom we have a marketing agreement, or (xi) our Affiliates.
We may share Information with our Affiliates so that they may offer products and services from the Berkley group of companies or to analyze our book of business and to consolidate necessary information. We do not disclose Information to other companies or organizations not affiliated with us for the purpose of using Information to sell their products or services. For example, we do not sell customer names to unaffiliated mail order or direct marketing companies.
How We Protect Information
Correction and Access to Information
Upon our receipt of a customer’s written request to the Company Privacy Officer at PO Box 1594, Des Moines, IA 50306, we will, generally, make available Information for review. If the customer believes the Information we have is incorrect or inaccurate, they may request that we make any necessary corrections, additions or deletions. If we agree with their belief, we will correct our records if required by applicable law. If we do not agree, they may submit to us a short statement of dispute, which we will include in any future disclosure by us of such Information if required by applicable law.
Requirements for Privacy Notice
Adopted: June 1, 2001