At Ocean Harbor Casualty Insurance Co., we value your trust and are deeply committed to protecting the privacy of your information. That is why we only collect and disclose information necessary to provide you with quality products and services. We welcome this opportunity to describe the steps we take to protect your information. Our goal is to ensure that you fully understand our policies and practices regarding the collection, disclosure and protection of your information. This privacy statement applies to individuals who have a relationship with Ocean Harbor Casualty Insurance Co.. You will receive a copy of our privacy statement at the beginning of our business relationship and annually thereafter. The privacy policies described in this statement apply to our current and former customers. As our products and services continue to evolve, it may be necessary to review and revise our privacy policies, in which case we will provide an updated privacy notice.
Information We Collect
In order to provide you with high quality products and services, we must collect and often share information about you that is not publicly available. We do this to better serve you, to process your policy and requests quickly and to pay your claims. We collect and may share the following types of information about you:
- Information about your identity, such as your name, address, telephone number and social security number;
- Information we receive from you on applications or other insurance and account forms, such as your assets, income, claims history or medical history; and
- Information about your transactions and experiences with us, such as the products you purchased from us, your payment history, account balance, and amounts you paid for insurance.
Should we need to verify or obtain additional information about you, we may contact outside sources, such as agents, brokers, administrators, insurance support organizations, consumer reporting agencies, medical providers and government reporting agencies. Information collected 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 retained by these outside sources and disclosed to other persons, in accordance with applicable laws.
How Your Information is Used
In many cases, it is necessary to share some or all of the information listed above to help us deliver the best possible services to you. These disclosures are often necessary to fulfill transactions you have requested and to service the insurance policies that you have applied for and/or purchased.
We may provide your information to trusted service providers outside of Ocean Harbor Casualty Insurance Co. to provide operational and other support services. For example, we may share information with your insurance agent or broker, claims adjusters and administrators, claims investigators, and outside companies that perform administrative services on our behalf. Other Permitted Disclosures. We may share your information to comply with legal and regulatory requirements and for other limited purposes that are required or permitted by law. For example, we may share information about you to:
- Service and maintain your policy;
- Process a transaction that you request;
- Protect against fraud or criminal activity;
- Report account activity to credit bureaus;
- Comply with local, state or federal laws; and
- Provide information requested by reinsurers, state insurance regulators and self-regulatory organizations, insurance support agencies and law enforcement agencies.
Under no circumstance do we sell or share your information to any party outside of Ocean Harbor Casualty Insurance Co. for purposes of independently selling their products or services to you.
Access to and Correction of Your Information
You may write to us if you have any questions about the information that we may have in our records about you or the identity of those persons to whom your information was disclosed during the two years prior to your request. If you wish, you may review this information in person or receive a copy at a reasonable charge. You can notify us in writing if you believe any information should be corrected, amended, or deleted, and we will review your request. We will either make the requested change or explain why we did not do so. If we do not make the requested change, you may submit a short written statement identifying the disputed information, which will be included in all future disclosures of your information.
Confidentiality and Security of Information
Ocean Harbor Casualty Insurance Co. dedicates significant resources to protect the security of your information. We restrict access to your information to those individuals who need to know that information to provide products or services to you. We also maintain physical, electronic, and procedural safeguards to protect your information and guard against its unauthorized use.