BERKLEY ACCIDENT AND HEALTH, LLC
Berkley Accident and Health, LLC (the “Company”) is the U.S. based accident and health operating entity of the W.R. Berkley Corporation Member Companies. Berkley Accident and Health, LLC, member companies of the W. R. Berkley Corporation (“Berkley”) group of companies and each other member of the Berkley group of companies (“Affiliates”), understands the customers’ concern about the privacy of their information collected by the Company. At Berkley Accident and Health, LLC we want the customer to know that privacy is a top priority. We are committed to responsible management, use and security of nonpublic personal information gathered from potential, existing or former customers. Our Company and its affiliates are dedicated to protecting the confidentiality and security of nonpublic personal information we collect about customers in accordance with applicable laws and regulations
Why We Collect and How We Use Information
The Information is collected and used for business purposes with respect to the insurance products and services and other business relations involving our customers. This Information is gathered to evaluate your request for insurance, to evaluate your insurance claims, to administer, maintain or review your insurance policy, and to process your insurance transactions. We also accumulate certain information about you as may be required or permitted by law
Your insurance agent or broker also collects this Information and may use it to help with your overall insurance program or to market additional products and services to you. We may also use Information to offer you other products or services that we or our Affiliates provide
How We Collect Information
Most Information collected is provided by you or your insurance agent or broker to us. We obtain Information from (i) applications or other forms submitted by you, your insurance agent or broker or your authorized representatives to us and our Affiliates, and (ii) your transactions with us or our Affiliates. We may also obtain Information from other sources such as (i) consumer reporting agencies, (ii) other institutions or information services providers, (iii) employers, (iv) other insurers, or (v) your family members
Information We Disclose
We disclose any Information which we believe is necessary to conduct our business as permitted by applicable law or where required by applicable law. This disclosure may include (i) Information we receive from you on applications or other forms provided to us and our Affiliates, such as names, addresses, social security numbers, assets, employer information, salaries, etc. (ii) Information about your transactions with us and our Affiliates, such as policy coverages, premiums, payment history, etc., and (iii) Information we receive from a consumer reporting agency, such as credit worthiness and credit history.
To Whom We Disclose Information
There are two types of information sharing – information sharing within Berkley Accident and Health, LLC and its affiliates and information sharing outside Berkley Accident and Health, LLC.
We may, as permitted or required by applicable law, disclose your Information to nonaffiliated third parties, such as (i) your insurance agent or broker, (ii) independent claims adjusters, (iii) insurance support organizations, (iv) processing companies, (v) actuarial organizations, (vi) law firms, (vii) other insurance companies involved in an insurance transaction with you, (viii) law enforcement, regulatory, or governmental agencies, (ix) courts or parties therein pursuant to a subpoena or court order, (x) businesses with whom we have a marketing agreement, or (xi) our Affiliates. For example, we may disclose your personal information to agents or other third parties to better assist you in meeting your current product and services needs, for processing and servicing your products or accounts, administering and auditing our business and preventing insurance fraud.
We may share personal information about our transactions (such as payment of premium) and experiences (such as prior claims) with you within our organization or our other affiliated companies to better serve you and to assist in meeting your current product and service needs or so that they may offer you products and services from the Berkley group of companies or to analyze our book of business and to consolidate necessary information. We do not disclose Information to other companies or organizations not affiliated with us for the purpose of using Information to sell their products or services to you. For example, we do not sell your name to unaffiliated mail order or direct marketing companies.
How We Protect Information
Correction and Access to Information
Upon our receipt of your written request to us at Berkley Accident and Health, LLC, 2445 Kuser Road, Hamilton, NJ 08690, we will, generally, make available Information for your review. If you believe the Information we have about you is incorrect or inaccurate, you may request that we make any necessary corrections, additions or deletions. If we agree with your belief, we will correct our records if required by applicable law. If we do not agree, you may submit to us a short statement of dispute, which we will include in any future disclosure by us of such Information if required by applicable law.
Adopted: August 3, 2010
Starnet Insurance Company Privacy Notice
Berkley Life and Health Insurance Company Privacy Notice