This Privacy Policy applies to identifiable information received and data collected by Berkley Risk Administrators Company, LLC (“Berkley Risk”) and its affiliates (each an “Affiliate” and, collectively with Berkley Risk, “Berkley”, “we”, “us” or “our”).

 

Privacy is important to us.

We are dedicated to protecting the confidentiality and security of personal information we collect in accordance with applicable laws and regulations.

 

Personal Information.

Personal information is information that identifies an individual personally or can readily be associated with a particular individual. Personal information may in certain circumstances include such information as name, address, phone number, email address. When any of the aforementioned personal information is combined with credit history, date of birth, Social Security number, driver’s license number, credit or debit card number, policy or claim information and health information, such personal information is referred to as “sensitive information.”

 

Personal or Sensitive Information We Receive or Collect.

Most personal or sensitive information collected by us is provided by customers or their insurance producers and shared with us. We obtain personal information from (i) applications or other forms submitted by customers, their insurance producers or their authorized representatives, and (ii) transactions with us or our Affiliates. We may also obtain personal or sensitive information from other sources such as (i) consumer reporting agencies, (ii) other institutions or information services providers, (iii) employers, (iv) other insurers, or (v) customer family members.

We do not collect personal or sensitive information through the Website other than what is voluntarily provided to us. You may supply us personal or sensitive information about yourself or others through the Website in many different ways, including when you take action such as registering for use of the Website, reporting a claim, contacting us through various links and entering data into various screens. Certain identifying information is automatically collected when you visit the Website. We may collect identifying information that allows us to track the number of visitors we receive and the way they navigate through the Website. The types of identifying information collected include the date and time you accessed the Website, the page or pages you visited and images you accessed, the web site you arrived to the Website from and the web site that you depart to as well as the IP address, operating system and browser version and type of the computer being used to access the Website. While it may be possible to correlate this information to particular individuals, we do not currently do so.

We reserve the right to investigate unlawful conduct and/or breaches of our security or Terms of Use.

 

How We Use Personal and Sensitive Information.

We collect and use personal and sensitive information for business purposes with respect to our insurance products and business relations involving policyholders and claimants. We gather personal and sensitive information to evaluate requests for insurance, to evaluate insurance claims, to administer, maintain or review services, and to process insurance transactions. We also accumulate certain personal and sensitive information about customers as may be required or permitted by law.

When you access parts of the Website using a User ID and Password, we may use the personal information associated with such User ID and Password to identify the user and monitor and track such the user’s activities on the Website.

The policy holder’s insurance producer also collects personal information and may use it to help with the overall insurance program or to market additional products and services.

We may also use personal information to offer other Berkley Risk products or services.

 

How We Disclose Information.

Unless prohibited by law, personal and sensitive information we collect may be shared with (i) any subsidiary or affiliate that is wholly-owned or otherwise controlled by W.R. Berkley Corporation and (ii) with third parties:

(1) to process insurance claims or administer insurance programs;

(2) to service your request;

(3) to protect the rights, property, safety, or security of Berkley Risk, the Affiliates , website visitors, or the public;

(4) to communicate with our legal advisors; and

(5) as otherwise permitted by or required by the law.

Unless prohibited by law, we may transfer any personal information in our databases to an affiliate or third party as part of a transfer of business assets.

We may also release personal information in special cases in order to comply with requests from law enforcement and government agencies, to enforce the ‘Terms of Use’ and other agreements, and to protect customers and others. We may do so when we believe in good faith that disclosing this information is otherwise necessary or advisable, including, for instance, to identify, contact, or bring legal action against someone who may be causing injury to or interfering with the rights or property of Berkley Risk, an Affiliate, another user or anyone else that could be harmed by such activities.

 

How We Safeguard Personal and Sensitive Information.

Berkley Risk uses procedural, manual and electronic security controls to maintain the confidentiality and integrity of personal and sensitive information in our possession and guard against its unauthorized access, as required by applicable federal and state law. Some techniques Berkley Risk employs to protect sensitive information include locked files, user authentication, encryption, firewall technology and the use of intrusion detection software. Berkley Risk takes steps to identify sensitive information that must be protected, provide an adequate level of protection for that data and grant access to protected data as permitted by the Terms of Use or as permitted or required by law.

While we strive to protect personal information available through the Website, we cannot guarantee the security of any information you disclose online and you do so at your own risk. This Privacy Policy does not encompass or apply to anything that is beyond our control. Unfortunately, no data transmission over the Internet can be guaranteed to be secure. As a result, while we strive to protect your personal information collected through the Website, we cannot ensure or warrant the security of any information you transmit to us or from our Website, and you do so at your own risk.

Our employees, agents and service providers may have access to personal and sensitive information in the course of doing their jobs, which includes underwriting policies, processing claims, developing new products or advising customers of our products and services. They are required to keep this information confidential and share the information only with those who have a business reason to know. They are prohibited from making unauthorized disclosure of personal information that we obtain about individuals. Employees who violate our policies on privacy may be subject to disciplinary action.

The Website consists of secure areas (Agent Access, Employer Access or Employee Access) and public access areas. Secure areas require a correct combination of User-ID and and password before a visitor is permitted access. Web pages within secure areas of the Website use Secure Socket Layer (“SSL”) encryption to protect data traveling over the Internet. The Website does not collect or display sensitive information through its public access areas.

 

Other Important Information

Limitations. This Privacy Statement applies only to the Berkley Assigned Risk Services operations.

Changes. Berkley Risk reserves the right, at its discretion, to periodically update, change, modify, add, or remove portions of this Privacy Statement. If we change this Privacy Statement, we will post the revised Web Privacy Statement on this web site along with the date we posted the revised Web Privacy Statement.

Email. Email, by nature, is generally not secure and may be intercepted and viewed by others. Therefore, you should refrain from sending any confidential or personal information about yourself or any employee via email to Berkley Risk.

Contact Information.  If you believe that we have acted inconsistently with this Privacy Policy or have a question concerning, you may reach us at 612.766.3000 or licensing@berkleyrisk.com.

 

Effective Date:
July 1, 2012