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> Description of Products and Services |
Privacy Policy
Continental Western Insurance Company, Tri-State Insurance Company of Minnesota, Union Insurance Company, Acadia Insurance Company and Firemen’s Insurance Company of Washington, D.C. (the “Company”), member companies of the W. R. Berkley Corporation (“Berkley”) group of companies and each other member of the Berkley group of companies (“Affiliates”) understand our customers’ concern about privacy of their information collected by the Company. Our Company is dedicated to protecting the confidentiality and security of nonpublic personal information we collect about our customers in accordance with applicable laws and regulations. This policy statement refers to the Company by using the terms “us,” “we,” or “our.” This statement describes our privacy policy and describes how we treat the nonpublic personal information about our customers that we receive from them (“Information”).
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.
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.
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.
We require our employees to protect the confidentiality of Information as
required by applicable law. Access to Information by our employees is limited
to administering, offering, servicing, processing or maintaining of our products
and services. We also maintain physical, electronic and procedural safeguards
designed to protect Information. When we share or provide Information to other
persons or organizations, we contractually obligate them, if required by law,
to treat Information as confidential and conform to our privacy policy and
applicable laws and regulations.
Correction and Access to Information
Upon our receipt of a customer’s written request to the Company Privacy Officer at 3320 E. Goldstone Way, Meridian, ID 83642, 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
The privacy notice is provided due to recently enacted federal and state laws and regulations establishing new privacy standards and requiring us to provide notice of our privacy policy. For additional information regarding our privacy policy, please write to the Company Privacy Officer at 3320 E. Goldstone Way, Meridian, ID 83642.
This page sets forth the conditions and terms under which Berkley North Pacific Group, LLC, Continental Western Group, LLC, Acadia Insurance Company, Continental Western Insurance Company, Firemen's Insurance Company of Washington, D.C., Tri-State Insurance Company of Minnesota, and Union Insurance Company (“Companies”) provide this website and the conditions that govern your use of this site. By using our site, you agree to be bound by these terms and conditions. If you do not accept our terms and conditions, please do not continue to use or access our site.
Description of Products and Services
Our web pages may describe the products and services that our Companies provide. This site is not a solicitation by the Companies of any individual, group, entity or market in any jurisdiction. By virtue of maintaining this website, the Companies shall not be construed to be doing or transacting business or otherwise being subject to the jurisdiction of any governmental authority in which the user or any linked site server, vendor or provider is located. Products are only offered pursuant to applicable law. This information is provided to help you learn about the types of products and services the Companies offer. You should also know that:
The availability of specific products and services may vary by state jurisdiction.
The product descriptions are general in nature. Coverage offered is subject to the specific terms of the actual policies issued.
Hyperlinks to Other Sites
This website provides links to other sites as a free service. Because we don’t
have control over these sites, we cannot guarantee the quality, accuracy or
timeliness of them. By our connection to those sites, we do not in any way
endorse the products or services provided. Questions about the content of linked
sites should be directed to the respective web masters. If you would like to
hyperlink to our site, please send us a courtesy email (website@berkleynpac.com)
with your name, address, phone number, URL and description of your site.
Copyright Policy and Trademark
Reproduction or distribution of our web pages in whole or in part requires written permission from the Companies. Direct your requests to: website@berkleynpac.com. Please include your name, address, phone number, description of the material desired and a description of your intended use.
The Companies specifically disclaim all warranties in regard to their web pages or your use of their web pages, express, implied or otherwise, including without limitation all warranties of merchantability and fitness for a particular purpose. The Companies shall not be liable for any damages resulting from the use or misuse of our site or the information contained on it. This website has been prepared solely for the purpose of providing information about the Companies and the services and products they offer. This website has been compiled in good faith by the Companies. However, no representation is made as to the completeness or accuracy of the information it contains. In particular, you should be aware that this information may be incomplete, may contain errors or may have become out of date. The Companies reserve the right to add, modify or delete any information at this website at any time. This publication and any references to products or services are provided “as is” without any warranty or implied term of any kind.
The Companies do not warrant that the information on our site will be free from any and all software viruses or other computer errors.
The information on this site is distributed with the understanding that the Companies are not providing professional advice of any type. If you have a question requiring professional advice, such as a question relating to law, financial planning or loss control, please seek the advice of a qualified professional in a relevant field.
Enforceability of These Provisions
Should any of these terms and conditions be held invalid, the invalid provisions shall be construed consistent with applicable law and in a manner that remains consistent with the original intent of the Companies. Provisions not otherwise held invalid shall remain in force.
© 2010 Berkley North Pacific Group. All rights reserved.