Privacy Notice at Collection for California Residents

This Privacy Notice at Collection (“Privacy Notice”) 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 Notice 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

We collect or use information that identifies, relates to, describes, is 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, such as our ‎customers, employees, and others. As a result, all of the categories of collected personal ‎information described below may not be applicable to you.‎ We may collect or use the following categories of your personal information in the following ways:

Category of Personal Information

Examples of Personal Information Collected or Used

Expected Retention Period or Criteria for Retention

Business or Commercial Purpose(s) for Which Used or Collected

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.Personal Information is retained based on internal retention policies, which typically requires retention for a period of seven years. Information is segregated by legal retention requirements and maintained in accordance with various local, state, federal, and other legal requirements. Personal Information will not be retained beyond the reasonably foreseen need to retain the information for legal or business purposes.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.
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. ‎See above for the general description.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.
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.See above for the general description. Personnel records are retained for six years after inactivity, and claims processing records are retained for six years after inactivity.See above
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. 

See above for the general description. Claims processing information is retained
for six years after inactivity.
  • 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.
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.See above for the general description. Personnel files are retained for six years after inactivity.
  • Completing background checks for validation.
  • For our internal business operations.
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.

Personal Information is retained based on internal retention policies, which typically requires retention for a period of seven years. Information is segregated by legal retention requirements and maintained in accordance with various local, state, federal, and other legal requirements. Personal Information will not be retained beyond the reasonably foreseen need to retain the information for legal or business purposes.
  • 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.‎
Geolocation dataGeographic tracking data, physical location and movements.See above for the general description.
  • Providing you with products and services you request.
  • Facilitating services related to remote worksite management.
  • Tracking our information assets.
Audio, visual, thermal, olfactory or similar
information
Telephone or video calls or recordings.See above for the general description. In addition, oversight records for claims processing activities are retained for ten years after inactivity.
  • 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.

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.

See above for the general description.

Generally, human resources information is often stored for six years after
inactivity, such as personnel files. Some other less sensitive records, such as employee communications and
certifications are stored for three years.

  • Providing you products and services you request.
  • Evaluating job applicants’ suitability for a job opening.
  • Making decisions about promotion and determinations about seniority.
  • Supervising Personnel and their performance.
  • Verifying Personnel’s licenses or certifications.
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.See above for the general description.

Student records are maintained as personnel files and retained for six years after inactivity.

  • Providing you with products and services you request.
  • Hiring and other human resources functions.
Inferences drawn from other personal informationA person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities and aptitudes.See above for the general description.
  • Supporting, personalizing, and improving our website, products or services.
  • Hiring and other human resources functions.
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.‎See above for the general description. Sensitive Personal Information is often employment records. Personnel records and personnel medical records are retained for approximately six years. Some types of benefits information are retained for longer periods of time as required by law.
  • 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.

 

 
We do not sell personal information. We do not share personal information for the purpose of cross-context behavioral advertising.

We do not sell or share the personal information of minors under 16 years of age.

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 submit a request under the Right to Limit, please provide the information necessary to identify the consumer to whom the request should be applied and reasonable identifying information that you are authorized to make the request and submit an email requesting your “Right to Limit” to privacyinformation@cfins.com.

Once you make a request to limit our use and disclose of your sensitive personal information, we will wait at least twelve (12) months before asking you again. However, you may change your mind and opt back in to sensitive personal information use at any time by submitting an email requesting to opt-in to our use and disclosure of your sensitive information with the subject line “Right to Limit” to privacyinformation@cfins.com.

Further Information

Please visit our website https://www.cfins.com/ and our CCPA privacy policy for further information about personal information we collect, and your rights under the California Consumer Privacy Act as amended by the California Privacy Rights Act of 2020.

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

Last Updated: April 24, 2024