For more information contact us:
Attn: Privacy Compliance Division
PO Box 15707
St. Petersburg, FL 33733-5707
As your insurance and employer services company, we recognize our obligation to keep information about you and your employees secure and confidential. Most of the information we use in evaluating your application and servicing your account comes to us directly from you. When you apply to Bankers for any type of insurance or employer services, you disclose information about yourself and your employees to us. The collection, use and disclosure of such information is regulated by law. Bankers, its agents, affiliates and subsidiaries maintain physical, electronic and procedural safeguards that comply with state and federal regulations to guard your personal information. We also limit employee access to personally identifiable information to those with a business reason for knowing such information. Bankers also instructs our employees so that they understand the importance of confidentiality of personal information, and takes appropriate measures to enforce employee privacy responsibilities.
Bankers obtains most of our information directly from you. The application you complete, as well as any additional information you provide, generally gives us most of the information we need to know. Sometimes we may contact you by phone or mail to obtain additional information. We may also use information about you from your other transactions with us, our affiliates, or others.
Depending on the nature of the insurance and services you select, we may need additional information about you or other individuals. We may send someone to inspect your business and verify information about its value and condition, and the number of people you employ. We may review insurance claims information and other loss information reports, and we may also obtain medical or financial information to adjust some claims.
We may obtain the additional information we need from third parties, such as other insurance companies, government agencies, information clearinghouses, courts and other public records.
We may receive consumer credit information from a consumer reporting agency (“CRA”). If we need to order a more detailed investigative consumer credit report, we will notify you as required by state laws and the federal Fair Credit Reporting Act (“FCRA”). Under the FCRA, you have the right to ask to be personally interviewed if we order an investigative consumer credit report. Upon request, we will tell you how to get a copy of the report. The agency that prepares a consumer report for us may retain that report and disclose it to other persons as permitted by law. If insurance coverage is declined or the charge for coverage is increased because of information contained in a consumer report we obtained from a CRA, we will tell you as required by state law and the FCRA. We also will give you the name and address of the CRA making the report.
Information that has been collected about you may be retained in our records. We review it in evaluating your request for insurance coverage and other employer services and in determining your rates. We will also refer to and use information in our records for purposes related to issuing and servicing insurance policies and settling claims. We may use information about you in our files for insurance marketing purposes or to help you with your overall insurance programs.
We may retain information about our former customers and would only disclose that information to affiliates and non-affiliates as described in this notice.
We usually will not disclose information about you to others unless the disclosure is necessary to conduct our business.
We do not disclose any non-public personal information about our customers or former customers, except as permitted by law. That may mean that we could make disclosures to the following types of third parties without your consent:
Our affiliated companies;
Your agent or broker;
Parties who perform a business, professional or insurance function for our company, including our reinsurance companies;
Independent claims adjusters, appraisers, investigators and attorneys who need the information to investigate, defend or settle a claim involving you;
Businesses that help us with data processing or marketing;
Businesses that conduct scientific research including actuarial or underwriting studies;
Other insurance companies, agents or consumer reporting agencies as reasonably necessary in connection with any application, policy or claim involving you;
Insurance support organizations which are established to collect information for the purpose of detecting and preventing insurance crimes of fraudulent claims;
Medical care institutions or medical professionals to verify coverage or conduct an audit of services;
Insurance regulatory agencies in connection with the regulation of our business; Law enforcement or other governmental authorities to protect our legal interests or in cases of suspected fraud or illegal activities;
Authorized persons as ordered by a subpoena, warrant or other court order or as required by law; Certificate holders or policyholders for the purpose of providing information regarding the status of an insurance transaction;
Lienholders, mortgagees, lessors or other persons shown on our records as having a legal or beneficial interest in your policy;
Companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
You have the right to know what kind of information we keep in our files about you, to have reasonable access to it and to receive a copy. Contact us as described at the end of this notice if you have questions about what information we may have on file. Tell us what information you would like to receive. Provide your complete name, address, date of birth, type of policy held or applied for and all policy numbers issued to you by us. Certain types of information generally collected when evaluating claims or possible lawsuits need not be disclosed to you. Within 30 business days of receipt of your request, we will inform you in writing of the nature and substance of locatable, retrievable and available recorded personal information about you in our files. You may review this information in person or receive a copy at a reasonable charge. We will also identify the person or organizations to whom we have disclosed this information within the past two (2) years. In addition, you will be given the name and address of any consumer credit agency that may have prepared a report about you so that you can contact them for a copy of that report if you wish.
After you have reviewed the personal information about you in our file, you can contact us if you believe it should be corrected, amended or deleted. Tell us what you think is wrong and why. We will consider your request and within 30 business days either change our files or tell you that we did not and the reason. If we do not make changes, you will have the right to insert in our file a concise statement containing what you believe to be the correct, relevant, or fair information and explaining why you believe the information on file to be improper. We will notify persons designated by you to whom we have previously disclosed the information of the change of your statement. Subsequent disclosures we make also will include your statement.
To protect your information online, all Internet traffic is scanned for viruses in real-time, ensuring that infected objects are not saved to our computer system’s hard disk where they may transmit, damage or delete information. Our system prevents dangerous scripts from being launched on websites. An intrusion detection system monitors any network activity that has the characteristics of a hacker attack. A firewall program prevents hacker attacks by blocking connections from the hacker’s computer with a high security, customizable firewall. Additional security prevents confidential information (such as passwords, bank account numbers and credit card details) from being stolen from our system.
Accounts are password-protected using strong password settings so that only authorized users have access to specific information stored in our files. Security is set up based on the password so that access can be limited within accounts, both internally and externally.