Protecting the privacy and confidentiality of information about our customers is very important to us. While information is the cornerstone of our ability to provide superior insurance products, our most important asset is our customers’ trust. Accordingly, we limit the collection and use of customer information to the minimum we require in delivering superior products and services. This Privacy Notice includes examples of the types of nonpublic personal information we collect and the kinds of companies with whom we may share such information. You do not need to do anything in response to this notice. This notice is merely to inform you about how we safeguard your information.
Information We Collect
We know that you expect us to conduct and process your business in a manner that is both accurate and efficient. To do so, we gather nonpublic personal information about you, as permitted by law, that is pertinent to the underwriting process, such as:
your name, address, telephone number, social security number, age, and employer;
prior insurance coverage, claims history, premiums, and payment history;
information from consumer reporting agencies, public records, and data collection agencies.
Information We May Disclose
In general, we do not disclose any nonpublic personal information about our customers or former customers to anyone, except for information that we may be required by law to disclose. We may however, disclose nonpublic personal information to third-parties who provide customer service or other administrative services for your account. We may also disclose your nonpublic personal information to companies that provide marketing services on our behalf or to other companies whom with we have joint marketing agreements, as permitted by law.
Additionally, we may also disclose nonpublic personal information to affiliates, which may include, auditors, attorneys, Certified Public Accountants, investment companies, underwriters, and others who perform business or professional services to our company. We require all third-party service providers to keep your information confidential and protected, and to maintain safeguards which comply with all applicable regulatory standards to guard your nonpublic personal information against unauthorized disclosure.
Finally, we may disclose information in response to requests from law enforcement or other governmental agencies or state insurance regulatory authorities. We are required by law to honor these requests.
Security of Your Information
To safeguard your nonpublic personal information, we limit access to our customers’ nonpublic personal information to only those employees who need access to the information to perform their job functions. Additionally, we insist that the third-parties that perform services for us limit access to your personal information to authorized employees and agents, and maintain appropriate administrative, physical, electronic and procedural safeguards. Additionally, these third parties are under contractual obligations of confidentiality to us and are not permitted to use your data for any other purposes than the services they are performing for us.
Personal Information Accessibility and Correction
If you are a resident of Connecticut, Georgia, New Jersey, or North Carolina, you have the right to access and correct the personal information that we have collected from or about you. Please contact us and we will make necessary changes. If the information was provided to us by a third party (such as a credit rating agency) we will provide you with the third party’s contact information. If you do not live in one of the aforementioned states, we will always take reasonable steps to verify the accuracy of your personal information in our records.
Changes to this Privacy Notice
We reserve the right to modify this Privacy Notice at any time. If we make material changes, we will provide a revised Privacy Notice. If we modify this Privacy Notice such that the use of your personally identifiable information is different from what was stated in our Privacy Notice at the time it was collected your data, we will notify you. You will be able to opt out of any new uses of your previously disclosed information. Your information will be used in accordance with the Privacy Notice in effect when your information was collected.
The UPC Website
Our website also has a privacy notice, which can be found on our website via the following link: upcinsurance.com/privacy. Always be aware of the risks when transmitting nonpublic personal information over the internet.
Our Privacy Notice applies to the following affiliates in the UPC Insurance® family of companies:
United Insurance Holdings Corp.
Family Security Holdings, LLC
AmCo Holding Company
United Property & Casualty Insurance Company
American Coastal Insurance Company, Inc.
Family Security Insurance Company, Inc.
Interboro Insurance Company
United Insurance Management, L.C.
Skyway Reinsurance Service, LLC
Skyway Claims Services, LLC
BlueLine Cayman Holdings
The Effective Date of this Privacy Notice is January 1, 2018.
UPC Insurance appreciates the trust placed in us by our customers and will continue to work to protect the privacy of our customers and Keep the Promise®.