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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 Underwriters Co. of Ohio, Crum&Forster
Specialty Insurance Company, Seneca Insurance Company, Inc., and Seneca Specialty Insurance Company.
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