Cambridge Mutual Fire Insurance Company
Merrimack Mutual Fire Insurance Company
Bay State Insurance Company
Customer Privacy Is Our Concern
We maintain physical, electronic and procedural safeguards that comply with state and federal regulations to guard the personal information in our records. We also limit employee access to personally identifiable information to those with a business reason for knowing such information. Employees are required to know and comply with our privacy and confidentiality rules and we take measures to enforce employee privacy responsibilities.
We do not disclose any non-public personal information about our applicants, customers or former customers to anyone except as permitted or required by law. We make no disclosures of personal information to other companies for their direct marketing activities; for example, we will not sell customer names to catalog companies.
The Types And Sources Of Personal Information We Collect
We obtain most of our personal information directly from applicants and customers, directly or through independent insurance agents, on application or other forms, by phone, mail, via online submissions, or in person. Such information may include identifying and biographical information, e.g., social security number; driver’s license number; information about employment status and history; marital status; residency and home ownership; insurance coverage, premium, and claim history; and investigative information related to claims such as witness statements and police reports. We may also use information about customers from their other transactions with us and our independent insurance agents.
Depending on the nature of an insurance transaction, we may need additional information about an applicant or a customer. As an example, for Personal Umbrella Coverage, we may need information from motor vehicle records; for property coverages, we may send someone to inspect the property and verify information about its value and condition. A photo of any property to be insured might be taken. We may review claim and loss histories, such as insurance claims information and other loss information reports, and we may also obtain financial information to adjust some claims.
We may obtain the additional information we need from third parties, such as other insurance companies, government agencies, insurance support services, information clearinghouses, courts and other public records. We may receive consumer credit information from a consumer reporting agency. The agency that prepares a consumer report for us may retain that report and disclose it to other persons as permitted by law. We do not gather information through investigative consumer reports, i.e., a consumer report in which information about a natural person’s character, general reputation, personal characteristics or mode of living is obtained through personal interviews with the person’s neighbors, friends, associates, acquaintances or others who may have knowledge concerning such items of information.
Our Uses Of Personal Information
We collect and use personal information for business purposes in connection with our insurance relationship with our customers and prospective customers. These business purposes include evaluating applications for our insurance products or services, administering our products or services, responding to claims for coverage and benefits, and processing other transactions requested by our customers. We review such personal information in acting on applications for insurance coverage and in determining premium rates, issuing and servicing insurance policies and settling claims.
If coverage is declined or the charge for coverage is increased because of information contained in a consumer report we obtained, we will inform the applicant as required by state law and the federal Fair Credit Reporting Act. We also will give the applicant the name and address of the consumer reporting agency making the report.
The personal information we collect may be retained both in our records and in the customers’ agents’ files. We may retain information about our former customers and may disclose that information as described in this Policy.
Disclosure Of Personal Information
We will disclose personal information to others only when it is necessary to conduct our business or is required by law. We may disclose all information we collect, as described above, to the following types of third parties for the following purposes:
Access To And Correction Of Information
Customers have the right to be informed whether we have certain types of personal information in our files about them, to have reasonable access to it, and to receive a copy. However, we may elect not to disclose certain types of information collected in connection with evaluation of claims or possible lawsuits.
To exercise the right to access described above, a customer must submit a written inquiry to our Chief Information Security Officer at the contact address provided below. Such inquiry must state the customer’s name, address, date of birth, type of policy held or applied for, and the number(s) of all policies issued by us to the customer. The inquiry must also provide a copy of personal identification of the customer, such as a driver’s license, as well as a reasonable description of the information to which the customer wishes to have access.
If such information is in our possession and is reasonably locatable, retrievable and available, we will, within thirty days of our receipt of the customer’s request, inform the customer in writing of the nature and substance of such information and, upon the customer’s request, will send him or her a copy of such information. In addition, we will disclose to the customer the identity, if recorded, of persons to whom we have disclosed the customer’s personal information within two (2) years prior to the customer's request or, if such identity is not recorded, the names of organizations and persons to whom we normally disclose such information. We will also inform the customer of the name and address of any consumer credit reporting agency that prepared a report about the customer so that he or she may contact the agency for a copy of that report.
If, after reviewing such information, a customer notifies us that any of it is incorrect and should be corrected, amended or deleted, we will consider the request and within thirty business days either change our files, or inform the customer that we did not change our files, and the reason for that determination. If we do not make changes, the customer will have the right to insert in our file a concise statement containing what he/she believes to be the correct, relevant or fair information and explaining why he/she believes the information on file to be improper. We will notify persons designated by the customer to whom we have previously disclosed the information of the change or the customer’s statement. Subsequent disclosures we make also will include the customer’s statement.
We may be contacted in writing at:
Chief Information Security Officer
The Andover Companies
95 Old River Road
Andover, MA 01810-1078