Privacy Policy

Last updated: October 2019

Zurich American Insurance Company, its subsidiaries and U.S. affiliates (“Zurich North America,” “Zurich NA,” “we” or “us”) respect your concerns about privacy.

This Privacy Policy applies to ZurichNA.com and other online and mobile services and applications that link to or post this Privacy Policy (collectively, the “Online Services”), or through other means during our business relationship with you.

This Privacy Policy describes the types of information we collect, how we may use that information and with whom we may share it. The Privacy Policy also describes the measures we take to protect the security of the personal information. We also tell you how you can reach us to ask us to answer any questions you may have about our privacy practices. Depending on your relationship with us, you may receive other privacy notices from us providing additional detail about our privacy practices.
  
By using the Online Services, you signify your consent to this Privacy Policy. This Privacy Policy is incorporated into and is subject to the Terms of Use. Your use of the Online Services and any information you provide through the Online Services is subject at all times to this Privacy Policy and the Terms of Use.


Information We Collect

Information You Provide Directly to Us. We and our service providers may collect information that you provide us directly, for example, when you file a claim, including information about injuries and treatment, names of witnesses, and whether a violation was issued; when you submit a fraud report, including the names of those persons involved; when you apply for an insurance policy; or when you otherwise contact us with a comment, question, or request. The information that you provide us may include, but is not limited to: (a) contact information, such as your name, postal address, email address, telephone number, and fax number; (b) other identifying numbers, such as your Social Security Number, Federal Employer Identification Number, and Driver’s License Number; (c) claim and account information, such as account number, policy number, client ID, or access credentials; and (d) relevant information to an insurance policy or claim, such as information about your employment, income and net worth, information about your property or collateral insurance coverage, and medical information.

Information We Collect by Automated Means. When you use the Online Services, we and our service providers may collect or retain certain information over time and across different websites when you use the Online Services. We and our service providers may collect this information by automated means, using technologies such as cookies, Web server logs and Web beacons.

Cookies are files that websites send to your computer or other Internet-connected device to uniquely identify your browser or to store information or settings in your browser. Please review your web browser’s “Help” file to learn how to modify your cookie settings. Please note, however, that without cookies, you may not be able to use all the features of our Online Services. In conjunction with the gathering of information through cookies, our Web servers may log information such as your operating system type, browser type, domain, and other system settings, as well as the language your system uses and the country and time zone where your device is located. The Web server logs also may record information such as the address of the Web page that referred you to the Online Services and the IP address and actual location of the device you use to connect to the Internet. They may also log information about your interaction with the Online Services, such as which pages you visit. Web beacons are snippets of code embedded in webpages and are typically used to monitor activity on a webpage, collect information, or transfer information to servers.

We may use third-party web analytics services on our Online Services, such as those of Google Analytics and Webtrends. These service providers use cookies and web beacons to help us analyze how users use the Online Services. The information collected by the cookies and Web beacons (including your IP address) will be disclosed to these service providers, who use the information to evaluate your use of the Online Services. For information about how Google uses the information, see Terms of Service and the Google Privacy Policy.To learn about opting out of Google Analytics, you may visit http://tools.google.com/dlpage/gaoptout.

We may combine the information you provide us and information we automatically collect with information from public or third-party sources.

In addition to the use of cookies, we may also gather information about your transaction history with our company and affiliates in the course of doing business with you.

Information We Collect from Other Entities. We collect a number of pieces of information about you from other entities in the process of providing services to you. This includes information from insurance support organizations, government agencies, insurance information sharing bureaus, and consumer reporting organizations. The information we collect primarily relates to your creditworthiness and the veracity of claims you make with us. In addition, we may occasionally consult with an independent expert, such as a medical professional, when determining the value of a claim you have filed with us.



How We Use the Information We Collect

We use the information we collect and receive to provide you with products and services and to operate, maintain, and enhance the Online Services. For example:

To Provide Our Services. We use the information we collect and receive to provide you with the products, services, or information that you request; to provide you with information about Online Services or required notices; to deliver marketing communications, promotional materials, or advertisements that may be of interest to you; and to customize your experience when using the Online Services, among other things.

To Improve Our Services. We use the information we collect and receive to improve the Online Services we provide, for example by better tailoring content to user needs and preferences, such as by giving you more relevant ads; by generating and analyzing statistics about your use of the Online Services; and by developing new products and services.

To Communicate With You. We use the information we collect and receive to communicate with you about our Online Services and products, to respond to you when you contact us, and to let you know about our policies and terms or provide other notices required by law.

To Maintain and Operate Our Online Services. We use the information we collect and receive to protect our rights, to determine your creditworthiness and to detect, prevent, respond to, and alert our peer companies of fraud; intellectual property infringement; violations of industry standards and our policies and terms, such as our Terms of Use; violations of law; or other misuse of the Online Services.

We also may use the information in other ways for which we provide specific notice at the time of collection.


Sharing of Information

We may share information we collect or receive in order to provide the products and services that you have requested, when we have your consent, or as otherwise described in this Privacy Policy. We do not rent or sell personal information to third parties.

We may share your information with service providers that perform services on our behalf, such as providing order and payment processing services, processing employment applications, or delivering marketing communications, promotional materials, or advertisements that may be of interest to you. These service providers are not authorized by us to use or disclose the information except as necessary to perform services on our behalf or to comply with legal requirements. We also may share your information among our affiliates and subsidiaries. We may share information we collect on the Online Services at your request. For example, if you use the Online Services to send information to a third party, we may identify you as the sender.

We also may disclose information about you to third parties as required by law or regulation and when we have a good faith belief that it is necessary in order to protect the legal rights, safety, and security of Zurich, our affiliates, our business partners, users of our Online Services, to enforce our Terms of Use, to respond to and resolve claims or complaints, to prevent fraud or for risk management purposes, and to comply with or respond to law enforcement or legal process or a request for cooperation by a government or other entity.

We reserve the right to transfer information in association with the consideration, negotiation, or completion of a sale or transfer of all or a portion of our business or assets. Should such a sale or transfer occur, we will use reasonable efforts to direct the transferee to use the information you have provided to us in a manner that is consistent with our Privacy Policy.

We may share information that is not reasonably identified with you for any purpose.

The Online Services may contain third-party links. This Privacy Policy does not apply to the third-party content; you acknowledge and agree that Zurich NA is not responsible for the collection and use of your information by such third parties that are not under our control. We encourage you to review the privacy policies of those third-party websites or services.


Your Choices

We offer you certain choices about what personal information we collect from you, how we use that information, and how we communicate with you. Some areas of the Online Services provide features that allow you to access and update personal information you have provided there. Some areas contain features that permit you to register your communications preferences, such as by indicating your preference to receive information about particular types of products. You may visit the area of the Online Services where you provided personal information to learn if it provides these features. If it does not, you can contact us as described in the How to Contact Us section to update your preferences, ask us to remove your information from our mailing lists or submit a request.

We do not currently support Do Not Track signals but may in the future.

At this time incentives are not offered in return for waiving privacy rights and/or the sharing of personal information. If there are incentives offered for the sharing of data, the consumer will be notified.


How We Protect Information

We maintain reasonable administrative, technical and physical safeguards designed to protect the information you provide against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use. Because no information system can be fully secure, we cannot ensure or warrant the security of any information that you transmit to us and you do so at your own risk.


Protection of Social Security Numbers

We strive to protect the confidentiality of Social Security Numbers we collect by employing reasonable safeguards seeking to (i) prohibit unlawful disclosure of Social Security Numbers and (ii) limit access to Social Security Numbers.


How We Retain Information

We may retain information that can reasonably identify you for as long as your account is active or as we determine is needed for our reasonable business purposes, including to comply with our legal obligations, resolve disputes, and enforce our agreements.


International Visitors

Zurich NA is based in the United States. Regardless of where you use our Online Services or provide information to us, the information may be transferred to and maintained on servers located in the United States, which may not provide the same level of protection for your personal information as your home country and may be available to the United States government or its agencies under a lawful order made in the United States. We may also store your information outside of the United States or transfer it to our affiliates and business partners located in other countries for the purposes described herein. By providing any data through the Online Services, you hereby expressly consent to such transferring and processing of your data in and to the United States and other countries.


Children’s Information

The Online Services are not directed to, nor knowingly collect information from, children under the age of 13. If you become aware that your child or any child under your care has provided us with information without your consent, please contact us at the contact information listed below. It will be promptly removed from our systems.


California Privacy Rights

If you are a resident of California, you have the right to request and receive information on any third parties to whom Zurich NA has disclosed personal information for marketing purposes within the previous calendar year, along with the type of personal information disclosed. If you would like to make such a request, please contact us at the contact information listed below. The rights afforded to California residents are explained in more detail below.

As a resident of California, you have the legal right to:

  • Inquire and verify:
    • If your personal information is in our possession and the type/categories of information we have about you.
    • Who your information has been shared with.
    • The business purpose for sharing your information.
    • The type/categories of your information shared with third parties.
  • Copies of the specific personal information that we have collected or stored.
  • Request a deletion of your personal information.
  • Restrict or “opt-out” of having your personal information shared with a third party.

If you are a California resident and want to exercise any of these rights, you may do so via:

  • Our “Do Not Sell My Personal Information” online form
  • Contacting us at the toll-free number: 1-800-382-2150
  • Writing or emailing us at the address below.


Nevada Privacy Rights

If you are a resident of Nevada, you have the right to restrict us from selling certain personal information about you to third parties. Specifically, you have the right to restrict us from selling information about you that we have collected through our online services and is tied to or includes a personal identifier indicating your identity. Personal identifiers include your name, Social Security Number, email or physical address, telephone number, or other information that could be used to verify your identity or contact you.

You may exercise this right to opt-out via:

  • Our “Do Not Sell My Personal Information” online form
  • Contacting us at the toll-free number: 1-800-382-2150
  • Writing or emailing us at the address below.


Privacy Rights Under State Insurance Regulations

If you are or were one of our policyholders, applicants, or claimants and a resident of Arizona, California, Connecticut, Georgia, Illinois, Maine, Massachusetts, Minnesota, Montana, New Jersey, Nevada, North Carolina, Ohio, Oregon, or Virginia, you have rights over your private information under state-level insurance laws and regulations. This includes the right to access a copy of your information, request the correction/amendment of your information, or delete your information. For security reasons, we may elect to provide you with certain medical information through your designated medical professional. We may also direct you to a consumer reporting agency to obtain certain types of information. Additionally, we may charge a reasonable fee to cover the costs of providing you with a copy of your information where it is permitted by law.

You may exercise any of these rights via:

  • Our “Do Not Sell My Personal Information” online form.
  • Contacting us at the toll-free number: 1-800-382-2150
  • Writing or emailing us at the address below.


Links to Other Web Sites

The Online Services may provide links to other sites for your convenience and information. These websites may be operated by companies other than Zurich NA. Linked websites may have their own privacy policies, which we strongly suggest you review if you visit any linked websites. We are not responsible for the content of any websites that are not operated by us, any use of those websites, or the privacy practices of those websites.


Blogs and Other Interactive Services

We may offer blogs, online forums or other interactive services on the Online Services that enable visitors to post and share information and materials. Please note that any information you post or share through these services will become public information and may be available to visitors who access the Online Services and to the general public.


Updates to Our Privacy Policy

This Privacy Policy may be updated periodically and without prior notice to you to reflect changes in our information practices or relevant laws. We will post a prominent notice on the Online Services to notify you of any significant changes to our Privacy Policy and indicate at the top of the notice when it was updated. You should review this Policy periodically. Your continued use of the Online Services constitutes your agreement to this Privacy Policy.


How to Contact Us

If you have any questions or comments about this Privacy Policy, or if you would like us to update information we have about you or your preferences, please contact us as indicated below. If you are contacting us by email to request that we change or delete personal information that you submitted through the Online Services, please be sure to tell us which page or form on the Online Services you used to submit your information:

Zurich American Insurance Company
Attention: Privacy Office
1299 Zurich Way
Schaumburg, IL 60196-1056
Privacy.office@zurichna.com