LEGAL

Privacy Policy

We collect information about you so that we can underwrite, process insurance transactions, administer or service your policy, and to operate our business. We collect personal information that we receive from you and we receive from others. Our goal is to limit the collection and retention of your personal information to what is necessary to provide you products or services and to operate our business.

In order for us to provide you with requested products or services and to administer our business, we may collect certain information from you, including personal information. This personal information may include but is not limited to:

• Contact information which may include your name, address, and e-mail and telephone number(s)
• Identification numbers issued by government bodies or agencies including your social security number, passport number, tax identification number, military identification number, or driver’s license number
• Gender, marital status, number of dependents, date(s) of birth, relationship to the policy holder, insured or claimant and claims history
• Financial information, credit history, credit score, assets, income and account details
• Health information, physical and mental conditions, medical history and procedures, relevant personal habits
• Education, professional licenses and affiliations, and employment history
• Driving records
• Criminal record or civil litigation history to prevent or detect fraud
• Information to prevent or detect financial crime
• Information enabling us to provide products and services including location and identification of property to be insured, policy and claim numbers, coverage/peril details, prior accident or loss history, status as director or partner, or other ownership or management interest in an organization, and other insurance you hold
• Policy information including policy number, relationship to the policyholder. Details of policy including insured amount, exceptions and previous claims.
• Your signature
• Recordings of incoming telephone calls (voicemail) to our representatives
• If you visit one of our offices, we may also collect your likeness and movements on security camera footage

If you register on our website we collect the personal information you knowingly provide to access certain online services. We may also collect personal information from you indirectly when you browse our website or use our official social media pages. For additional information about what personal information may be collected in these instances, please review the portions of this Privacy Notice that reference the use of our website or social media pages.

Claimants and Beneficiaries

If you are a claimant or beneficiary making a claim under a policy, we will collect your contact information along with claim details. Depending on the nature of your claim, we may collect personal information from you or others to administer your claim.

If you make a claim under a policy we may collect the following information from you in order to administer the claim:

• Contact information which may include your name, address, telephone number(s) and e-mail
• Policy information including policy number, relationship to the policyholder/insured person, details of policy including insured amount and exceptions, and previous claims
• Claim details including details giving rise to the claim, vehicle registration number, health data including details of injury, criminal data including police report(s)
• Medical information regarding injuries, treatment, or disability. Medical condition and health status including current or former physical or mental condition including personal habits and medical history
• Recordings of telephone calls (voicemail) to our representatives
• Criminal record or civil litigation history to prevent or detect fraud
• Information to prevent or detect financial crime
• Police reports
• Your signature
• Photographs and video recordings created in connection with our insurance or other business activities, including for claims administration, settlement and disputes, or for other relevant purposes as permitted by law

>If you register on our website we collect the personal information you knowingly provide to access certain online services. We may also collect personal information from you indirectly when you browse our website or access one of our official social media pages. For additional information about what personal information may be collected in these instances, please review the portions of this Notice that reference the use of our website or social media pages.

Information We May Collect From Others Regarding a Claim

To administer a claim, we may collect the above information from other sources including your employer, agent, attorney or other representative. We may collect information from other parties to the claim, experts, witnesses, and loss adjusters. We may also collect information about you from public records, government agencies and credit agencies when we believe it is necessary for claim administration.

Prospective Insureds and Insured Persons

If you are a prospective insured, we may use your personal information to consider your application for an insurance policy and related services or products or for other business purposes as allowed by law. We may use it to communicate with you, your representatives, and others to underwrite, assess and evaluate risk. We may further use your personal information to prevent and detect fraud, unauthorized transactions, or other financial crimes and to comply with applicable laws and regulations such as those relating to money laundering, sanctions and anti-terrorism or to satisfy other legal or regulatory requirements. We may also use personal information to collect and process your premium and other payments.

If you are an insured, we may use your personal information to communicate with you, verify your identity, respond to your inquires or complaints, and provide you with requested information or services. We may use personal information to send you important information and alerts about changes to our policies, information about our other products and services or for administrative purposes. We may also use your personal information for internal business operations such as auditing, finance and accounting, billing and collections, data management and security, and records management or other business purposes as allowed by law. Personal information may be used to respond to law enforcement requests, subpoenas and court orders, and to respond to requests from government authorities and regulators and to comply with applicable laws. We may also use personal information if we believe it necessary to establish and protect our legal rights, protect our operations, privacy, safety or property, and/or that of our affiliate companies, you or others.

Claimants and Beneficiaries

If you are a claimant or beneficiary, we may use your personal information for the above purposes and to administer, investigate, litigate and/or potentially settle your claim. We may also use your personal information to detect, prevent and report fraud or other illegal activity.

We consider your personal information to be confidential and so we limit our sharing outside of Old Republic Risk Management. In the course of conducting our business, there are circumstances in which we may disclose your personal information to others. We share your personal information only with your authorization or as otherwise permitted or required by law. When personal information is shared with another party to perform services on our behalf, we expect them to maintain the confidentiality of your personal information, to use the information only for the limited purpose for which it was shared and to abide by all applicable federal and state privacy laws. Such sharing may include:

Prospective Insureds and Insured Persons

• Old Republic affiliates and/or subsidiaries in relation to a requested service or product or for usual business operations
• Insurance agents/brokers, reinsurers/other insurers, third-party administrators to underwrite, assess and evaluate risk and for administrative purposes
• Other business partners or service providers for operational and administrative purposes
• Regulators, government authorities, or law enforcement to comply with applicable law, regulation, inquiry, investigation, subpoena, summons, or legal process
• Consumer reporting agencies, insurance-support organizations, or other organizations to prevent or detect fraud
• Other third parties in any actual or proposed sale, merger, joint venture, assignment, transfer, or other transaction related to any part or portion of our business

Claimants and Beneficiaries

• Third-party administrators, agents/brokers, investigators and adjusters for claims management
• Regulators, government authorities or law enforcement to comply with applicable law, regulation, inquiry, investigation, subpoena, summons, or legal process.
• Participants in a legal process including lawyers, witnesses, investigators, and others we believe necessary or appropriate in the administration of a legal matter
• Other third parties in any actual or proposed sale, merger, joint venture, assignment, transfer or other transaction related to any part or portion of our business

You may also provide information through your use of technology when you access and interact with our website through your computer, tablet or mobile device. We may collect information you provide to us through forms on our sites such as log in pages. In addition, we may also collect information about your visits so that you may access certain services and so that we may better understand the interests of those that visit our sites. If applicable, when you visit our sites from a mobile device, like a smartphone, we may also collect additional information from your device, including your location, device identifier, and information about your mobile network. We may use a variety of tracking technologies to collect this information, including without limitation the following:

Browser Log Data

We may use technologies that automatically collect information when you visit our sites, view our advertisements, or use our products or services ("Browser Log Data"). This browser log data may include information such as your IP address (or other unique device identifier, including one that we may assign); certain details about your browser, operating system, and hardware; your location, if available; the URL that referred you to our sites; your activities on our site, including your preferences; and other logging information, such as the date and time of your visit. We also use web server logs to collect and store information about site usage. We may use this information for fraud detection and prevention, security, and to ensure our sites are function properly.

Web Cookies

When you visit our sites, we may use tracking technology such as cookies to automatically record details about your visit. Cookies are small text files stored by your internet browser on your computer's hard drive that allow sites to remember information about users. A cookie, by itself, does not tell us your email address or who you are. It cannot be used to collect data from your hard drive or personal information about you. We may use cookies and other device identifiers to collect information (such as browser type, time spent on the site and pages visited) and to support certain features of our site. For example, we may use these technologies and information collected for security purposes, to facilitate navigation, to display information more effectively, and to personalize your experience with the site. If you do not wish to receive cookies your browser, or other software (including Adobe Flash)‎ can be set to reject cookies or to alert you when a cookie is placed on your device. To do this, follow the instructions provided in your browser or other software, usually found within the “help”, “tools” or “edit” settings. Please note that if you disable cookies on your browser, you may not be able to access certain features or content on our sites.

Beacons

A Beacon is a small graphic image or other web programming code (also known as “1x1 GIFs” or “clear GIFs”) that may be included in our site’s pages and messages. Beacons may be invisible to you, but any electronic image or other web programming code inserted into a page or e-mail can act as a Beacon. Beacons or similar technologies may be used for a number of purposes, including, without limitation, to count visitors to the sites, to monitor how users navigate the sites, to count how many e-mails that were sent were actually opened or to count how many particular articles or links were actually viewed.

Embedded Scripts

An embedded script is programming code that is designed to collect information about your interactions with the sites, such as the links you click on. The code is temporarily downloaded onto your computer, tablet or phone from our web server or a third party service provider, and is active only while you are connected to the sites, and is deactivated or deleted thereafter.

Browser Fingerprinting

Browser fingerprinting is the process of collection and analysis of information from your computer, tablet or phone, such as, without limitation, your operating system, plug-ins, system fonts and other data, for purposes of identification.

ETag, or Entity Tag

ETag is a feature of the cache in browsers. It is an opaque identifier assigned by a web server to a specific version of a resource found at a URL. If the resource content at that URL ever changes, a new and different ETag is assigned. Used in this manner, ETags are a form of device identifier. ETag tracking may generate unique tracking values even where the consumer blocks HTTP, Flash, and/or HTML5 cookies.

Recognition Technologies

Recognition technologies are technologies, including application of statistical probability to data sets, which attempt to recognize or make assumptions about users and devices (e.g., that a user of multiple devices in the same user).

Location-identifying Technologies

The sites may use GPS (global positioning systems) software and other location-based technologies such as iBeacons to locate you so we may verify your location, deliver you relevant content based on your location, as well as allow you to share your location to other users as part of the services we provide via the sites. In addition to traditional GPS location-based services, others we work with may install low power Bluetooth, wifi, radio transmitters, or other devices in physical locations, which emit a signal that your smart phone can detect to pinpoint your location or otherwise interact with the sites. In addition, you may be able to send your location information via the sites to other users. You should consider the pros and cons involved in disclosing your location information to us and to other people. Where a user of the sites requests that their location information be revealed to other persons, the user will be provided options for managing sharing services, which may be through third party services such as through Twitter and Facebook. We are not responsible for the acts, omissions or policies of such third parties.

We may use third-party analytics services, like Google Analytics and Google Tag Manager, to collect, monitor and analyze visitor data (such as Browser Log Data, cookies and other tracking data), and trends for marketing optimization and to increase the functionality of our website. These services may track details about your online activities over time and across different websites. These services may also allow us and others to provide you with targeted advertisements or other content that you may be interested in based on your online activities.

The Google Analytics service tracks and reports website traffic and provides us insight into behavior information relating to visitor age, gender and interests. Google Analytics Demographics and Interest Reporting give us insight into behavior to help us understand browsing behavior and give you a better experience when you visit our website. You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Settings.

These third-party services have their own privacy policies addressing how they use such information. If you want to prevent your data from being used by Google Analytics, you may wish to take advantage of Google Analytics' currently available opt-outs for the web. We use Google Tag Manager to capture certain non-individually identifiable customer traffic data, including: time spent on page, pdf file downloads, video activity (plays, pauses, percent of video watched, etc.), scroll depth (how far down a webpage a user scrolls), and social actions taken on a website (shares and outbound links to social channels).

If you would like to learn more about targeted ads that may be based on your online activities, and the choices that you may exercise for certain sites and advertisers, you may wish to visit the Network Advertising Initiative or the Digital Advertising Alliance.

You may have other privacy protections under applicable state laws. To the extent these laws apply, we will comply with them when we collect, use and share information about you.

Go to California Privacy Rights
Go to Delaware Privacy Rights
Go to Nevada Privacy Rights

For Insurance Customers in AZ, GA, MA, ME, MN, MT, NC, NJ, OH, OR, and VA

We may share your personal information with non-affiliates without your prior authorization as stated in this Privacy Notice and as permitted by law. Information we obtain from a report prepared by an insurance-support organization may be retained by that insurance-support organization and disclosed to others. In general, you have a right to learn the nature and substance of any personal information about you in our files. You also have a right to obtain a copy of that information, subject to limited exceptions. To access the information about you, send a signed written request to us at the following e-mail address: PrivacyRequest@orrm.com or postal address PO BOX 2939 Milwaukee, WI 53201-2939 and include your name and address, along with your policy or account number, if any. For your protection, we may use reasonable means to verify your identity prior to sending you this personal information. If you believe that any information about you is inaccurate, you may notify us in writing about any correction, amendment, or deletion you believe should be made. We will carefully review your request and, where appropriate, make the necessary change. We are unable to change the information that other companies, like credit reporting agencies provide to us.