Privacy Policy for California Residents

Last Updated: April 24, 2024

This Privacy Policy for California Residents (“CCPA Privacy Policy”) applies to United States Fire Insurance Company t/a Crum & Forster and its affiliated companies within Crum & Forster (collectively, “C&F,” “we,” “us,” or “our”) processing of personal information of California residents to the extent the information is subject to the California Consumer Privacy Act of 2018 as amended by the California Privacy Rights Act of 2020 (“CCPA”). For example, this Privacy Policy does not apply to personal information collected pursuant to various ‎‎exemptions ‎including for (i) information collected subject to the federal Gramm-Leach-Bliley ‎‎Act and its ‎implementing regulations or the California Financial Information Privacy Act, (ii) ‎‎medical and health information covered by HIPAA, and (iii) de-‎identified or publicly available ‎‎information.‎

Personal Information We Collect, Use, Disclose, Share, or Sell ‎

Categories of Personal Information We Collect, Categories of Sources of Personal ‎Information, Business or Commercial Purposes for Which Personal Information Will Be ‎Used, and Third Parties with Whom Personal Information is Sold, Shared, or Disclosed.‎

We collect information that identifies, relates to, describes, is reasonably capable of being ‎associated with, or could reasonably be linked, directly or indirectly, with a particular consumer ‎or household (“personal information”). The chart below includes information collected for ‎various types of individuals depending on your relationship with us (for example, policyholders, persons benefiting under another policy holder’s policy, claimant, witness, commercial broker or appointed representative, employees, and others. As a result, not all of ‎the categories of collected personal information described below may be applicable to you. ‎Within the last twelve (12) months, we have collected the following categories of personal ‎information from the sources identified below for the business and commercial purposes ‎indicated, and disclosed, or shared, such categories of personal information ‎with the specified categories of third parties:

 

Category of Personal Information

Examples of Personal Information Collected

Categories of Sources of Personal Information Collected

Business or Commercial Purpose(s) for Which Collected, Disclosed

Categories of Third Parties to Which Personal Information is Disclosed

IdentifiersA real name, alias, postal address, unique personal identifier, social security number, driver’s license number, online identifier, Internet Protocol address, email address, account name or other similar identifiers.Directly from you, for example when you apply to work for us or in your role as our personnel, when you visit our offices, or as a customer when you fill out and submit our forms, or through browser cookies set when you visit the Site.

From news outlets.

From social media and related services.

From third-parties, such as your employer, through social media services consistent with your settings on such devices, or from third-party sources that are lawfully entitled to share your data with us.

We use this personal information in connection with providing, producing, and servicing commercial and personal lines insurance products with third parties, and in connection with human resources functions. For example:

  • Providing you with the services that you request.
  • Marketing and promoting our services.
  • Servicing our relationship with you.
  • Engaging in commercial and corporate transactions, including due diligence.
  • Payroll and other human resources functions.
Vendors and other industry service providers;

Other third parties with which you or we maintain a relationship regarding your services or products;

Government agencies including to support regulatory and legal requirements;

Outside companies or organizations, in connection with routine or required reporting, including consumer reporting agencies and other parties; and

Affiliates and subsidiaries.

Personal Information Categories Listed in the California Customer Records statue (Cal. Civ. Code 1798.80(e))A name, signature, ‎Social Security ‎number, ‎physical characteristics ‎or ‎description, address, ‎telephone number, ‎‎passport number, ‎driver’s license or state ‎‎identification card ‎number, insurance ‎‎policy number, ‎educational background, ‎‎employment history, ‎bank account ‎number, ‎credit card number, ‎debit card ‎number, or ‎any other financial ‎‎information, medical ‎information, or ‎health ‎insurance ‎information. ‎Directly from you, for example when you apply to work for us or in your duties as our personnel, when you visit our offices, or as a customer when you fill out and submit our forms, or through browser cookies set when you visit the Site.

From cookies and similar technology.

We use this personal information to properly produce, underwrite and service insurance products, fulfill legal or regulatory requirements, operate the site and our services, and in furtherance of our legitimate business purposes. For example:

  • To enable your use of our services.
  • To communicate with you about the availability of our services.
  • For testing, research, analytics and product and service development.
  • To engage in marketing and advertising activities.
  • To carry out our obligations and enforce our rights including those arising from any contracts entered into between you and us, including for billing, payment, and collections.
  • To send you information we believe may interest you.
  • For business activities such as contract management, vendor engagement, IT and website administration and security, fulfillment, analytics, corporate governance, and legal compliance.
  • To inform you of employment opportunities and consider your qualifications.
  • To protect the rights, property, security, and safety of us, our employees, our consumers, our information systems, and the public.
  • To comply with legal and statutory requirements.
  • For public safety purposes, including to respond to law enforcement requests and detect and prevent fraud and other crimes.
  • To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.
Vendors and other industry service providers;

Other third parties with which you or we maintain a relationship regarding your services or products;

Government agencies including to support regulatory and legal requirements;

Outside companies or organizations, in connection with routine or required reporting, including consumer reporting agencies and other parties; and

Affiliates and subsidiaries.

Characteristics of protected classifications under California or federal lawAge, national origin, religion, citizenship or immigration status, marital status, physical or mental disability, genetic information or ancestry, sex, veteran or military status.Directly from you, for example when you apply to work for us or in your duties as our personnel, when you visit our offices, or as a customer when you fill out and submit our forms, or through browser cookies set when you visit the Site.

From news outlets.

From social media and related services.

From third-parties, such as your employer, through social media services consistent with your settings on such devices, or from third-party sources that are lawfully entitled to share your data with us.

See above.Vendors and other industry service providers;

Other third parties with which you or we maintain a relationship regarding your services or products;

Government agencies including to support regulatory and legal requirements;

Outside companies or organizations, in connection with routine or required reporting, including consumer reporting agencies and other parties; and

Affiliates and subsidiaries.

Commercial InformationRecords of services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

Location and identification of property insured (for example, property address, vehicle license plate or identification number), travel plans, age categories of individuals you wish to insure, policy and claim numbers, coverage/peril details, cause of loss, prior accident or loss history, your status as director or partner, or other ownership or management interest in an organization, or other insurances held.

Directly from you, for example when you apply to work for us or in your duties as our personnel, when you visit our offices, or as a customer when you fill out and submit our forms, or through browser cookies set when you visit the Site.

From third-parties, such as your employer, through social media services consistent with your settings on such devices, or from third-party sources that are lawfully entitled to share your data with us.

  • Providing you with products and services you request.
  • Providing you with information about our products or services that may be of interest to you.
  • Developing additional products or services.
  • Communicating with you, for example to respond to inquiries.
Vendors and other industry service providers;

Other third parties with which you or we maintain a relationship regarding your services or products;

Government agencies including to support regulatory and legal requirements;

Outside companies or organizations, in connection with routine or required reporting, including consumer reporting agencies and other parties; and

Affiliates and subsidiaries.

Biometric InformationPhysiological, biological or behavioral characteristics that can be used, singly, or in combination with each other or with other identifying data, to establish individual identity, such as a fingerprint.Directly from you, for example when you apply to work for us or in connection with your role as our personnel.
  • Completing background checks for validation.
  • For our internal business operations.
Vendors and other industry service providers;

Government agencies including to support regulatory and legal requirements; and

Affiliates and subsidiaries.

Internet or other electronic network activity informationBrowsing history, search history, ‎and a consumer’s interaction with an Internet website, application, or advertisement.

Network traffic and other electronic or internet activity performed when acting as our personnel through our systems.

As the result of your use of our online services, such as our website, consumer portals or mobile applications (if any), including through the use of cookies, embedded content, and other recognition and/or tracking technologies.

Directly from you, for example when you apply to work for us or in your duties as our personnel.

From third party data brokers.

From third-parties that interact with us, such as your employer, through social media services consistent with your settings on such devices, or from third-party sources that are lawfully entitled to share your data with us.

  • Provide access to our website and the information about our products and services,
  • Securing our website and information systems.
  • Providing you with information, including communications about products and services that may be of interest to you.
  • Supporting, personalizing, and improving our website, products and services.
  • Facilitating Personnel’s use of our information systems.
  • Protecting our information systems and other property from harm or damage.
  • Securing our information systems against attacks or misuse.
  • Verifying compliance with our policies, procedures, and workplace rules.
Vendors and other industry service providers;

Other third parties with which you or we maintain a relationship regarding your services or products;

Government agencies including to support regulatory and legal requirements;

Outside companies or organizations, in connection with routine or required reporting, including consumer reporting agencies and other parties; and

Affiliates and subsidiaries.

Geolocation dataGeographic tracking data, physical location and movements.Directly from you, when using our services, applications, and information systems.

From third-parties that interact with us in connection with the products and/or services that we provide.

  • Providing you with products and services you request.
  • Facilitating services related to remote worksite management.
  • Tracking our information assets.
Vendors and other industry service providers;

Government agencies including to support regulatory and legal requirements; and

Affiliates and subsidiaries.

Audio, visual or similar informationTelephone or video calls or recordings.Directly from you, for example recordings of calls to call centers, recorded statements and video recordings when you visit our facilities.

From third-parties that interact with us in connection with the products and/or services that we provide.

  • Providing you with products and services you request.
  • Providing you with information about our products or services that may be of interest to you.
  • Providing security for our personnel and facilities.
Vendors and other industry service providers;

Other third parties with which you or we maintain a relationship regarding your services or products;

Government agencies including to support regulatory and legal requirements; and

Affiliates and subsidiaries.

Professional or employment-related informationBusiness contact details in order to provide you our services at ‎a business level, job title as well as work history and ‎professional qualifications if you apply to work with us.

Current and/or past employment history, payroll records, benefits records, leave documentation, or medical records.

Directly from you, for example when you apply to work for us or in your duties as our personnel, when you visit our offices, or as a customer when you fill out and submit our forms, or through browser cookies set when you visit the Site.

From third party data brokers.

From third-parties that interact with us in relation to hiring or human resources operations.

  • Providing you products and services you request.
  • Evaluating job applicants’ suitability for job openings.
  • Making decisions about promotion and determinations about seniority.
  • Supervising Personnel and their performance.
  • Verifying Personnel’s licenses or certifications.
Vendors and other industry service providers;

Other third parties with which you or we maintain a relationship regarding your services or products;

Government agencies including to support regulatory and legal requirements;

Outside companies or organizations, in connection with routine or required reporting, including consumer reporting agencies and other parties; and

Affiliates and subsidiaries.

Non-public education information (as defined in the Family Educational Rights and Privacy Act (20 U.S.C. 1232g, 34 C.F.R. Part 99))Student records and directory information.Directly from you, for example when you apply to work for us or in your role as our personnel, or as a customer when you fill out and submit our forms.

From third-parties that interact with us in relation to hiring or human resources activities.

  • Providing you with products and services you request.
  • Hiring and other human resources functions.
Vendors and other industry service providers;

Other third parties with which you or we maintain a relationship regarding your services or products;

Government agencies including to support regulatory and legal requirements;

Outside companies or organizations, in connection with routine or required reporting, including consumer reporting agencies and other parties; and

Affiliates and subsidiaries.

Inferences drawn from other personal informationA person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities and aptitudes.Directly from you, for example when you apply to work for us or in your role as our personnel, or as a customer when you fill out and submit our forms.

From third-parties, such as your employer, through social media services consistent with your settings on such devices, or from third-party sources that are lawfully entitled to share your data with us.

  • Supporting, personalizing, and improving our website, products or services.
  • Hiring and other human resources functions.
Vendors and other industry service providers;

Other third parties with which you or we maintain a relationship regarding your services or products;

Government agencies including to support regulatory and legal requirements;

Outside companies or organizations, in connection with routine or required reporting, including consumer reporting agencies and other parties; and

Affiliates and subsidiaries.

Sensitive Personal InformationPersonal information that reveals: a Social ‎Security number or other government ‎identifier; account login information or a ‎financial account number with associated ‎credentials; precise geolocation; racial or ethnic origin, religious or philosophical beliefs, or union membership; contents of ‎mail, email, or text messages not intended to be received by us; genetic data. Or any of the following: the ‎processing of biometric information to ‎uniquely identify our Personnel; health information; information that concerns a ‎consumer’s sexual orientation or sex life.‎Employees and job applicants who seek employment.

Users who disclose information directly to us to receive our services.

  • Providing you with products and services you request.
  • Providing you with information about our products or services that may be of interest to you.
  • Hiring and other human resources functions.
  • Filing and submitting license applications with state regulatory agencies.

 

Vendors and other industry service providers;

Other third parties with which you or we maintain a relationship regarding your services or products;

Government agencies including to support regulatory and legal requirements;

Outside companies or organizations, in connection with routine or required reporting, including consumer reporting agencies and other parties; and

Affiliates and subsidiaries.

Information about our Personal Information Processing Activities

Additional details of how we process personal information is set forth in the chart above.

We do not sell consumers’ personal information.

We do not have actual knowledge that we have sold or shared (for purposes of cross-context behavioral advertising) the personal information of minors under 16 years of age.

Your Privacy Rights

Right to Notice

You have the right to receive notice at or before the point of collection. Please review our Notice at Collection for more information.

Submitting Consumer Requests

You may submit a consumer request to us by filling out our Request to Know or Correct or Request to Delete forms and mailing to:

Crum & Forster
Attn: General Counsel
P.O. Box 1973
305 Madison Avenue
Morristown, NJ 07962

You may also submit by email to privacyinformation@cfins.com, or submit the webform electronically directly through our online webpage. You may make up to two disclosure requests in any 12 month period. Please review the consumer request forms below.

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

Making a verifiable consumer request does not require you to create an account with us.

When you submit a verifiable consumer request, we will take steps to verify your request ‎by email or telephone call. In some cases, we may request additional information in order to verify ‎your request or where necessary to process your request. If we are unable to adequately verify a ‎request, we will notify the requestor. Authorized agents will be required to provide proof of their ‎authorization and we may also require that the relevant consumer directly verify their identity and ‎the authority of the authorized agent.‎

We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.

Right to Know and Access Your Information

You have the right to request that we disclose to you certain descriptions and categories of the personal information we collect, use, disclose, share, or sell about you. For example, you may request the following through a consumer request:

‎(1) The categories of personal information we have collected about you.‎

‎(2) The categories of sources from which the personal information is collected.‎

‎(3) The business or commercial purpose for collecting, selling, or sharing personal information.‎

‎(4) The categories of third parties to whom we disclose the personal information.‎

‎(5) The specific pieces of personal information we have collected about you.‎

You may make up to two disclosure requests in any 12 month period. See above for additional details on making a consumer request.

Right to Request Deletion

You have the right to request that we delete your personal information. See above for additional details about how to submit a consumer request.

You should be aware, however, that California law allows us to retain your personal information under certain conditions, even if you have asked us to delete it, such as when retaining your personal information is necessary for us to complete a transaction with you or provide you with a good or service you have requested. We will notify you of any denial of your deletion request and the reason for such denial.

Right to Request Correction

You have the right to request that we correct your personal information. See above for additional details about how to submit a consumer request.

Right to Limit the Use of Your Sensitive Personal Information

We use and disclose sensitive personal information we collect about you. You or your authorized representative may limit our uses and disclosures of your sensitive personal information by making a request. To exercise your right to limit please send an email to privacyinformation@cfins.com with the subject line, “Right to Limit”.

Right to Opt-Out of the Sharing or Sale of Personal Information

We do not share personal information we collect about you with third parties for purposes of cross-context behavioral advertising.

We do not sell personal information.

Right to Non-Discrimination for Exercise of Consumer Privacy Rights

We will not discriminate against you because you have chosen to exercise any of your privacy rights provided by the CCPA.

Using an Authorized Agent

You may use an authorized agent to submit a consumer request.  To use an authorized agent, you will need to (i) provide written instruction to your agent, and verify your identity to us, or (ii) provide a power of attorney pursuant to California Probate Code Sections 4000 to 4465.

Contact Us

Please read this Policy carefully to understand our practices regarding how we process CCPA personal information. If you should have any questions regarding this Privacy Policy please contact us at privacyinformation@cfins.com or you may write to us at our postal address:

Crum & Forster Legal Department
P.O. Box 1973
305 Madison Avenue
Morristown, NJ 07962
E-mail: privacyinformation@cfins.com