Information We Collect
We may collect personal information about you from a variety of sources. A great deal of the information we collect, such as your name, address, social security number, assets and income comes from you during the application process. We may also collect information about you from our affiliates and from third parties, including government entities, medical sources and consumer reporting agencies. The information we collect can include such things as your credit score, motor vehicle reports and inspections on your property, information concerning your previous insurance policies and claims history.
Information We Disclose to Third Parties
Unless you expressly direct us to do so, we will not disclose personal information about you to third parties for their own marketing purposes. We share personal information about you with third parties only as necessary to provide you with our products and services and as otherwise permitted by law. For example, we may disclose your personal information as necessary to service your policy or account, to investigate and pay claims, to comply with state and federal regulatory requests or demands and to process other transactions that you request. Persons to whom we may make such disclosures include: your insurance carrier, insurance regulators, consumer-reporting agencies, your mortgage or premium finance company, insurance adjusters and insurance premium auditors. We may also disclose personal information about you to companies that perform marketing services on our behalf or to other financial service providers with which we have joint marketing agreements.
We restrict access to personal information about you to those employees who need to know that information in order to provide products and services to you. We maintain physical, electronic and procedural safeguards to guard your personal information.
A Special Word About Our Insurance Information Practices