Crum & Forster’s¹ Privacy Principles guide our conduct in the collection, use, release and security of personal and confidential information we obtain as part of our 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 we accumulate, manage and store.
Who collects and has access to non-public personal information?
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 honor the 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 or other order or inquiry of a court, regulator or governmental agency or to fulfill its obligations to its insurers or reinsurers.
Why does Crum & Forster need personal information and what do we 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 solely for conducting 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 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 according to the insurance product involved, and may include information we receive from you on applications and other forms; information we receive from your employer; information we receive from other sources such as motor vehicle reports or other insurance support organizations or medical providers.
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 us, we will continue to safeguard your privacy in accordance with the standards described in this notice. We maintain physical, electronic and procedural safeguards to protect non-public personal information.
About Our Website
Our website is used only to disseminate information. Crum & Forster does not place electronic "cookies" in the browser files of any guests. We do not collect any individual information as a result of the public visiting the site. In other words, we may count how many times our site has been visited, but we do not gather any personal information about the visitors. If you send us an email, your communication will identify you to us. However, we will only use the information you provide to respond to your inquiry or in a manner you authorize.
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. Any such policy will permit visitors to "opt out" of the collection of any personally identifying information.
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.
If you have any questions concerning our Privacy Principles, please contact the General Counsel’s Office at:
Crum & Forster
Attn: General Counsel
PO Box 1973
305 Madison Avenue
Morristown, New Jersey 07962
¹ Crum & Forster" is a registered trademark of United States Fire Insurance Company. The Crum & Forster group of companies includes: United States Fire Insurance Company, The North River Insurance Company, Crum & Forster Indemnity Company, Crum and Forster Insurance Company, Crum & Forster Specialty Insurance Company, Seneca Insurance Company, Inc., Seneca Risk Services, Inc., Excelsior Claims Administrators, Inc., Seneca Specialty Insurance Company, American Management Corporation, American Underwriters Insurance Company, AMC Re, Inc., First Mercury Financial Corporation, First Mercury Insurance Company and CoverX Corporation.