QBE® Privacy Policies and Practices
Privacy and how it affects you
Your personal privacy is important to us. This Notice tells you
how we collect and use information about you. You may obtain a
complete copy of our information practices free of charge. If you
would like a copy, please write to us. Please include your policy
number when you write to us.
Information we collect
At QBE, we collect, keep and use information about you to serve
your insurance needs. QBE and its agents may collect the following
information about you and members of your household:
- Information included on your applications or other forms. (For
example, name, address, and Social Security number).
- Information about your transactions with us or our affiliates.
(For example, services purchased and payment history).
- Information from consumer reporting agencies and
insurance-support organizations. (For example, credit relationships
and history, motor vehicle reports and claims history).
- Information from other sources. (For example, medical
information and demographic information).
- Information from visits to the QBE web site.
If we need to confirm or obtain additional information about
you, we may contact outside sources. These sources may
include agents, brokers, insurance support organizations, consumer
reporting agencies, medical providers and government
agencies. The information we collect from these outside
sources may include your credit history, driving record, claims
history, employment information and medical reports.
Information obtained from outside sources may be kept by these
outside sources and disclosed to other persons, as permitted by
law.
Sharing information
Within QBE
QBE may disclose information about our current and former
customers to other QBE companies so that they can provide certain
account services, and for any other purposes permitted by law.
QBE employees may access customer information for business
purposes only. We restrict access to your personal information to
those employees who need to know such information so that they can
provide services to you. Employees who have access to customer
information are required to protect it and keep it
confidential. We maintain physical, electronic and procedural
safeguards that comply with federal regulations to guard your
personal information.
With third parties
QBE carefully chooses service providers to help us provide
quality insurance services to you. We are careful to protect
your privacy when we share information with them. We may share your
personal information with the types of third parties listed
below.
- Financial service providers. (For example, insurance
agents).
- Hospitals, medical clinics or physicians.
- Adjusters, appraisers, investigators and attorneys (To
investigate or settle a claim involving you).
- Insurance-support organizations that help detect and prevent
insurance crimes or fraudulent claims (such as the National
Insurance Crime Bureau). Information collected by such
organizations may be kept by them and later shared with others who
use these reports.
- People that conduct actuarial or underwriting studies.
- Companies that perform services for us or on our behalf. (For
example, vendors we hire to respond to customer requests or to
maintain or develop software for us).
We require third parties to comply with strict standards
regarding security and confidentiality of your information. They
are not permitted to release your information or use it for their
own purposes. Third parties are also not permitted to sell
any customer information we share with them to any other party.
There may be times when QBE is required by law to disclose
information about you to nonaffiliated third parties. For example,
we may disclose information in response to a subpoena. We may share
information to help detect or prevent fraud. We may have to give
information to law enforcement or governmental agencies. We also
may share information if you give us written permission first.
Under no circumstances do we sell or share your information to
or with any party outside of QBE for purposes of independently
selling their products or services to you.
Internet policy
QBE respects the privacy of its customers and is committed to
protecting customer information on its Web sites with the same care
employed for all QBE transactions.
QBE does not automatically collect personal information from
visitors to its Web sites. Some QBE Web sites employ cookies, which
are small pieces of information that a Web site stores on a
visitor's Web browser to remind the site about the visitor the next
time the site is visited. QBE does not store confidential or
sensitive information in cookies. QBE uses cookies to enhance
our customers' online session by making navigation easier.
Cookies cannot be used to capture e-mail addresses, obtain data
from hard drives or gain confidential or sensitive information
about site visitors. Additionally, cookies cannot be read by
any Web site other than the one that set the cookie.
How You Can Review Recorded Information About You
You have the right to review recorded information about you in
our files. Please write us at the address shown on this Notice if
you want to know what information we have on file. We will need
your complete name, address, date of birth, and all your policy
numbers. Tell us what information you would like to receive or
view. We will act on your request within 30 days of receiving it.
We will let you know the nature of the information about you in our
files. We will tell you with whom we have shared this information
in the past two years. We will also give you the name and address
of any consumer reporting agency that prepared a report about you
in our files. You can contact them to get a copy of that
report.
If you would prefer to view and copy the information in your
file in person, please indicate that in your request.
If you disagree with our records
Please let us know if you think any of our information is
incorrect. Tell us what is wrong and why. You may ask us to
correct, amend or delete it. Within 30 days of receiving your
request, we will change your information in our files or inform you
of our refusal to change such information.
If we make any changes to your information, we
will notify you of those changes. We will also notify the parties
listed below of those changes.
- Any party that may have, in the past 2 years, been given such
information.
- Any insurance-support organization that we have given the
information to within the past 7 years.
- Any insurance-support organization that gave us the
information.
- Consumer Reporting Agencies (CRAs).
If we do not make changes, we will give you the
reasons why and inform you of your right to file a statement. Your
statement should tell us what you think is the correct information.
You should also tell us why you disagree with our refusal. Your
statements will be kept in your file and given to anyone that
reviews the information. If we need to disclose the disputed
information, we will mark the matter(s) in dispute and include your
statement(s).
Privacy policy changes
We will notify you if we make changes to our
privacy policy. We may make changes to comply with applicable laws
or to conform to our current business practices. QBE reserves the
right to change its privacy policies at any time.
This notice is being provided on behalf of
the following QBE affiliates:
General Casualty Company of Wisconsin
General Casualty Insurance Company
Blue Ridge Indemnity Company
Regent Insurance Company
Hoosier Insurance Company
Southern Guaranty Insurance Company
Southern Fire & Casualty Company
Southern Pilot Insurance Company |
Unigard Insurance Company
Unigard Indemnity Company
QBE Insurance Corporation
QBE Specialty Insurance Company
Praetorian Insurance Company
North Pointe Insurance Company
Stonington Insurance Company
QBE Americas, Inc. |
Questions or Comments? Please
contact:
QBE North America
Attn: Privacy Official
Corporate Legal Department
One General Drive
Sun Prairie, WI 53596
1.800.362.5448
QBE is a registered service mark of QBE Insurance Group
Limited.
