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Crum & Forster’s¹ Privacy Principles guide our conduct in the collection, use, release
and security of personal and confidential information we obtain as part of our business of providing
and servicing commercial insurance products, including underwriting, policy administration, insurance
claims adjusting, appraisal and loss control services. These principles define Crum & Forster's
commitment to the privacy and integrity of the information we accumulate, manage and store.
Who collects and has access to non-public personal information?
Personal information may be collected by and/or shared with employees of Crum & Forster
or by any of Crum & Forster’s authorized representatives, attorneys, or others who provide services to Crum & Forster in connection with providing and servicing its commercial insurance products, such as claims administrators, independent appraisers, managed care providers, systems vendors, or similar service providers. Crum & Forster requires service providers to honor the privacy principles in the handling of non-public personal information obtained through its business relationship with Crum & Forster. Additionally,
Crum & Forster may disclose information to third parties as allowed by law. For example, in response to a subpoena or other order or inquiry of a court, regulator or governmental agency or to its insurers.
Why does Crum & Forster need personal information and what do we do with it?
Crum & Forster limits the collection, disclosure, and use of customer information to only what is needed to properly underwrite and service
its insurance products, and/or to fulfill legal or regulatory requirements.
Crum & Forster collects personal information solely for conducting its business of underwriting and servicing and administering its insurance products including, but not limited to:
- Underwriting and renewal of its commercial insurance products
- Claims handling and adjusting, including investigation and payment of claims
- Claims administration and reporting
- Fraud detection and prevention
- Loss Control
- Complying with the law and reporting requirements
- Business activities that Crum&Forster may legally undertake
Crum & Forster does not sell information to any third parties, and does not use it for marketing any of its insurance products.
What types of information are collected?
The type of information that Crum & Forster collects varies according to the insurance product involved, and may include information we receive from you on applications and other forms; information we receive from your employer; information we receive from other sources such as motor vehicle reports.
Safeguarding Your Privacy
Access to non-public personal information is limited to those employees who specifically need such information to conduct their business responsibilities.
If you conclude your relationship with us, we will continue to safeguard your privacy in accordance with the standards described in this notice.
We maintain physical, electronic and procedural safeguards to protect non-public personal information.
Our employees have been provided with a copy of this policy and receive annual training on safeguarding non-public personal information. Employees who violate these standards are subject to disciplinary measures.
About Our Web site
Our web site is used only to disseminate information. Crum & Forster does not place electronic "cookies" in the browser files of any guests. We do not collect any individual information as a result of the public visiting the site. In other words, we may count how many times our site has been visited, but do not gather any personal information about the visitors. If you send us an email, your communication will identify you to us. However, we will only use the information you provide to respond to your inquiry. The privacy of communication over the Internet cannot be guaranteed. Crum & Forster does not assume any responsibility for any loss or damage you may experience or incur by the sending of personal information over the Internet by or to Crum & Forster.
Questions?
If you have any questions concerning our Privacy Principles, please contact our Privacy Compliance Officer at:
Crum & Forster
Attn: Privacy Compliance Officer
PO Box 1973
305 Madison Avenue
Morristown, New Jersey 07962
¹ The Crum & Forster family of companies includes:
United States Fire Insurance Company, The North River Insurance Company, Crum & Forster Indemnity Company, Crum and Forster Insurance Company, Crum & Forster
Specialty Insurance Company, Seneca Insurance Company, Inc., and Seneca Specialty Insurance Company.
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