Protecting Nonpublic Personal Information
The Amerisure Companies are dedicated to ensuring financial protection for our policyholders by providing quality products and exceptional service. In order to provide quality products and services, we may require access to certain non-public personal information. This non-public personal information may be used in underwriting and administering policies, or in handling claims. While access to non-public personal information may be critical, the protection of that information is equally important.
Categories of Information We Collect
During the course of underwriting or administering an insurance policy or handling a claim, Amerisure may collect certain non-public personal information. This non-public personal information may be collected from persons such as our independent insurance agents or brokers, a policyholder, a claimant, a claimant’s employer (in the case of a workers compensation claim), persons who may have witnessed an incident which led to a claim, or persons retained by the claimant or by us in the process of administering a policy or adjusting a claim, such as repair shops, physicians, attorneys or accountants.
Information we collect may include, among other information, a policyholder’s name, address, federal tax identification number, policy number, premium and premium payment history; as well as a claimant’s name, address, social security number, claim number, date of loss, type of loss, cause of loss, status of claim, and value of the claim. Amerisure considers this information and all other non-public personal information to be confidential.
Other Information We Collect
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Amerisure requires that employees having access to personal information of another person take special precautions to protect the confidentiality of that personal information. Access to personal information is limited to those employees who have a need for that information in order to perform their job responsibilities.
Personal Information is information capable of being associated with a particular person, i.e., social security number, driver’s license number, state identification card number, passport number, credit card number and other similar information not available to the general public.
Documents containing Personal Information are required to be stored in secured areas or in computer applications having password protections. Documents containing Personal Information must be destroyed by placing them in the secured shredding boxes provided by Amerisure’s shredding services vendor.
Employees having access to Personal Information are prohibited from disclosing Personal Information other than as permitted by law. A violation of this policy will result in disciplinary action up to and including termination of employment.
Categories of Information We Disclose and Parties to Whom we Disclose
Amerisure strictly limits disclosure of the categories of non-public personal information indicated above. Such information is only shared with affiliated and non affiliated third parties to the extent necessary to service an insurance policy or claim, or as permitted or required by law.
Third parties with whom non-public personal information may be shared for these purposes include our independent insurance agents and brokers, the policyholder, persons retained to assist with the effective and efficient administration of policies and claims (such as appraisers, repair shops and medical providers), and others as may be permitted by law. Only authorized persons are permitted access to non-public personal information.
Use of Information Solely to Service Policies and Claims
Amerisure does not sell, or otherwise distribute for sale, any non-public personal information it collects. Moreover, non-affiliated third parties with whom Amerisure shares non-public personal information are not permitted to use such information for any marketing purposes whatsoever. They may not advertise, market or otherwise make known to others any non-public personal information to which they are given access by Amerisure, nor may they use such confidential information for the purpose of advertising or marketing their products or services.
Any non-affiliated third party with whom we share non-public personal information may use that information only for the purpose of performing their responsibilities to Amerisure or one of our policyholders or claimants. They are further required to protect the confidential nature of the non-public personal information. This means they may not copy or disclose non-public personal information to any other person, including their employees who do not need non-public personal information to perform their obligations to Amerisure or one of our policyholders or claimants.
Confidentiality and Security
Amerisure restricts access to non-public personal information to those employees and non affiliated third parties who need to have that information in order to provide quality products and services. We maintain what we believe to be reasonable physical, electronic, and procedural safeguards to protect against the loss, misuse, and alteration of the non-public personal information under our control.
We Welcome Your Feedback
If you have questions about information security, privacy, or usage of non-public personal information at Amerisure that were not answered here, please contact us at the following address:
Office of General Counsel
P.O. Box 2060
Farmington Hills, MI 48333-2060