Privacy Policy

In the course of our business relationship with you, American Risk Insurance Company (“ARI” or “we”) collects information about you and the members of your household (collectively “you”) that is necessary to provide you with our products and services.   We treat this information as confidential and recognize the importance of protecting it.  We value your confidence in us.

We realize that you trust us with an important part of your financial life.  Your privacy is important to us. We ask that you take a few minutes to review our privacy policies which are designed to protect your personal information.

INFORMATION WE COLLECT

We collect, retain and use information about you, including members of your household, where we believe that it will help or is necessary to provide you products and services or otherwise conduct our business. We collect nonpublic personal financial information about you from the following sources:

•     Information we receive from you or through your agent or broker on applications or other forms;
•     Information we receive from or about you in the process of adjusting claims;
•     Information about your coverages and loss activity with other carriers; and
•     Information we receive from a consumer reporting agency.

Such information includes identifying information such as your name, address, and social security number; financial information such as your income, payment history or credit history; and, under certain circumstances, health information such as information about an illness, disability or injury. It could also include information on claims with other insurance companies and us and the condition and maintenance of your property.

Any information obtained from a report prepared by an insurance-support organization may be retained by the insurance support organization and disclosed to other persons.

HOW WE PROTECT YOUR INFORMATION

We restrict access to personal information about you to those individuals, such as our employees and agents, who provide you with our products and services. Those individuals to whom we permit access to your customer information are to protect it and keep it confidential. We maintain physical, electronic, and procedural safeguards that comply with applicable regulatory standards to guard your nonpublic personal information.

We do not disclose any nonpublic personal information about you, as our customer or former customer, except as described in this notice.

INFORMATION WE DISCLOSE

We do not disclose any personal information about you to anyone unless allowed by law. We may disclose personal information about you to:

•     State insurance departments, for their regulation of our business;
•     Other government authorities;
•     Our agents and brokers as necessary to conduct our business;
•     Organizations that perform underwriting and claims investigations;
•    Another insurance company to which you have applied for a policy or submitted a claim;
•    Companies that perform marketing services on our behalf or to other financial institutions with which we   have joint marketing agreements 
•    The Claims Loss Underwriting Exchange
  • •    Insurance support agencies, law enforcement agencies and our reinsurers; and
  • •    Any other third party, as permitted or required by law.

We may disclose all the personal information we have collected, as described above. However, even if you no longer have a customer relationship with us, we will continue to follow our privacy policies and practices to protect your information.

YOUR RIGHTS

You have the right to prevent an insurance company, agent, adjuster or financial institution from disclosing your personal financial information to companies that are not affiliated with the insurance company or financial institution.  Some examples are income, social security number, credit history and premium payment history.

MODIFICATIONS TO OUR PRIVACY POLICY

We reserve the right to change our privacy practices in the future, which may include sharing nonpublic personal information about you with affiliated or nonaffiliated third parties.  Before we do that, we will provide you with a revised privacy notice and give you the opportunity to opt-out of that type of information sharing.

Your Right to Access and Correct Information

Upon your written request, we will send you a copy of relevant information we have about you in connection with your application for coverage. Please address your request to Customer Service, American Risk Insurance Company, PO Box 720627, Houston, TX 77277-0627. If you feel that our information is incorrect, let us know and we will review it. If we agree, we will correct our files. If we do not agree, you may file a short statement of dispute with us.  This statement will be included with any information disclosure we make in the future, or sent to anyone you designate who may have received such information in the past two years, or as otherwise required by law.

RECIPIENTS OF THIS NOTICE

We are providing this notice to the named policyholder residing at the mailing address to which we send your policy information.  If there is more than one policyholder on a policy, only the named policyholder on that policy will get this notice, though any policyholder may request a copy of this notice.  You may receive more than one copy of this notice if you have more than one policy with American Risk Insurance Company.