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:
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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 |
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| Identifiers | A 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:
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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. |
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| 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:
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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. |
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| Characteristics of protected classifications under California or federal law | Age, 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. |
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| Commercial Information | Records 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. |
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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. |
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| Biometric Information | Physiological, 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. |
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Vendors and other industry service providers;
Government agencies including to support regulatory and legal requirements; and Affiliates and subsidiaries. |
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| Internet or other electronic network activity information | Browsing 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. |
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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. |
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| Geolocation data | Geographic 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. |
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Vendors and other industry service providers;
Government agencies including to support regulatory and legal requirements; and Affiliates and subsidiaries. |
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| Audio, visual or similar information | Telephone 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. |
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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. |
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| Professional or employment-related information | Business 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. |
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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. |
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| 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. |
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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. |
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| Inferences drawn from other personal information | A 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. |
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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. |
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| Sensitive Personal Information | Personal 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. |
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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. |
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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