Privacy

Last updated: January 2020

This website is maintained by United States Fire Insurance Company on behalf of itself and its affiliated companies within Crum & Forster (collectively, “C&F” or “Crum & Forster”)¹ and these privacy principles guide Crum & Forster’s conduct in the collection, use, release and security of personal and confidential information it obtains as part of its business of providing, producing and servicing commercial and personal lines insurance products, including underwriting, policy administration, insurance claims adjusting, production, appraisal and loss control services. These principles define Crum & Forster’s commitment to the privacy and integrity of the information it accumulates, manages and stores. This Policy describes how Crum & Forster collects, uses and shares personal information, unless an affiliate has a different privacy policy, in which case that privacy policy shall describe that affiliate’s collection, use and sharing of personal information.

By using this website, you signify your acceptance of this Privacy Policy.

Who collects and has access to non-public Personal Information?

Personal information means information that allows someone to identify or contact you. 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, producing and servicing its commercial and personal lines insurance products, such as claims administrators, independent appraisers, managed care providers, systems vendors, or similar service providers. Crum & Forster requires service providers to abide by privacy laws and to honor these 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 or required by law. For example, information may be released to comply with a statutory reporting requirement or in response to a subpoena, warrant, any legal process or other order or inquiry of a court, regulator or governmental agency or to fulfill C&F’s obligations to its insurers or reinsurers. We may also share your personal information in order to establish or exercise our rights, to defend against a legal claim, to investigate, prevent, or take action regarding possible illegal activities, suspected fraud, safety of person or property, or a violation of our policies.

Why does Crum & Forster need personal information and what does it do with it?

Crum & Forster limits the collection, disclosure, and use of customer information to only what is needed to properly produce, underwrite and service its insurance products, and/or to fulfill legal or regulatory requirements. Crum & Forster collects personal information to conduct its business of producing, underwriting, servicing and administering its insurance products including, but not limited to:

  • Producing business through its producers
  • Underwriting and renewal of its commercial and personal lines 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 statutory reporting requirements
  • Business activities that Crum & Forster may legally undertake

Crum & Forster also collects personal information in connection with your potential or actual employment with us. 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 depending on the relationship that Crum & Forster has to you and/or according to the insurance product or service involved. For example, C&F may collect information you or your employer provide to us on applications and other forms. C&F may obtain your personal information from other sources such as motor vehicle reports or other insurance support organizations or medical providers. C&F also may collect your personal information if you apply for a job posting and/or are an employee.

Safeguarding Your Privacy

Access to non-public personal information is limited to those employees, and authorized representatives, attorneys and service providers who specifically need such information to conduct their business responsibilities. If you conclude your relationship with C&F, C&F will continue to safeguard your privacy in accordance with the standards described in this policy. C&F maintains administrative, technical and physical safeguards to protect non-public personal information.

About Our Website

C&F may collect information via technology about how you use C&F’s website, including the elements you have interacted with, metadata, and other details about these elements, clicks, change states, and other user actions. This information is used primarily to provide, maintain, protect, and improve C&F’s current products and to develop new ones.

C&F may use cookies on certain pages of our site. Cookies are stored on your computer, not on our site. Most cookies are “session cookies” which means that they are automatically deleted at the end of each session. A cookie itself does not have the ability to automatically collect personal information about you. A cookie can store certain information that identifies your computer to C&F so that you do not need to re-enter that information as frequently when you use C&F’s site. The cookie does not contain your password.

C&F reserves the right to change its policy regarding cookies and the collection of information from visitors at any time without advance notice. Should any new policy be put into effect, C&F will post it on this website, and the new policy will apply only to information collected thereafter. You may opt out of receiving cookies or delete any prior cookies by changing your specific internet browser settings. The privacy of communication over the internet cannot be guaranteed. If you are concerned about the security of your communication, we encourage you to send your correspondence through the postal service or use the telephone to speak directly to us. Crum & Forster does not represent or warrant that the site, in whole or in part, is appropriate or available for use in any particular jurisdiction. Those who choose to access the site, do so on their own initiative and at their own risk, and are responsible for complying with all local laws, rules and regulations. 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. This Usage Agreement shall be governed by the laws of the United States and of the State of New Jersey, without giving effect to its conflict of laws provisions.

FOR CALIFORNIA RESIDENTS ONLY:

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Contact Information. If you have any questions concerning our Privacy Policy, please contact us at the appropriate address below. We will attempt, where practical, to respond to your request and to provide you with additional privacy-related information.

Crum & Forster
Attn: General Counsel
PO Box 1973
305 Madison Avenue
Morristown, New Jersey 07962
[email protected]

¹ C&F and Crum &Forster are registered trademarks of United States Fire Insurance Company.