Notice of Insurance Privacy

We Are Concerned About Your Privacy

When you apply for insurance coverage through Liberty American Insurance Group, Inc., you disclose nonpublic personal information to us. The collection, use and disclosure of such information is regulated by law. Liberty American Insurance Group, Inc., its agents, and subsidiaries maintain physical, electronic, and procedural safeguards that comply with state and federal statutes and regulations to guard your personal information. We also restrict employee access to nonpublic personal information to those with a business reason for knowing such information. Liberty American Insurance Group, Inc., also instructs our employees so that they will understand the importance of the confidentiality of nonpublic personal information, and take appropriate measures to enforce employee privacy responsibilities.

What Types Of Information Do We Collect About You And From Whom?

Liberty American Insurance Group, Inc. obtains most of our information directly from you. The application for insurance you complete, as well as any additional information you provide, generally gives us most of the information we need to know. Occasionally, we may contact you by telephone or mail to obtain additional information. We may use nonpublic personal information about you from your other transactions with us, our affiliates, or others.

Depending on the nature of your insurance transaction, we may require additional information about you or other individuals proposed for coverage. For property coverage, we may send someone to inspect your property to verify information about its value and condition. A photo of any property to be insured may be taken. We may also review insurance claims information and other loss information reports.

We may obtain the additional information we require 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. A report from a consumer reporting agency may contain information as to the creditworthiness, credit standing, credit capacity, character, general reputation, hobbies, occupation, personal characteristics, or mode of living. The consumer reporting agency that prepares a consumer report for us may retain that report and disclose it to other persons as permitted by law.

What Do We Do With The Information Collected About You?

Information that has been collected about you may be retained in both our records and in your agent’s files. We review it in evaluating your request for insurance coverage, and in determining your rates. We will also refer to and use information in our policy 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.

If coverage is declined, or the charge for coverage is increased because of information contained in a consumer report we obtained, we will tell you as required by state law and under the federal Fair Credit Reporting Act. We will also provide to you the name and address of the consumer reporting agency making the report.

We may retain information about our former customers and may disclose that information to affiliates and non-affiliates as described in this notice.

To Whom Do We Disclose Information About You?

We usually do not disclose information about you to others unless the disclosure is necessary to conduct our business.

We do not disclose any nonpublic personal information about our customers or former customers, except as permitted by law. That may mean that we will 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 partners;
• Independent claims adjusters, appraisers, investigators, and attorneys who need information to investigate, defend, or settle a claim involving you;
• Businesses that assist 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;
• 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 subpoena, warrant, or other court order, or as required by law;
• Policyholders for the purpose of providing information regarding the status of an insurance transaction; or
• Lienholders, mortgagees, lessors, or other persons shown on our records as having a legal or beneficial interest in your policy.

Joint Venture Provision

We may disclose all the information we collect, as described above, to companies that perform marketing services on our behalf, or to other financial institutions with whom we have joint marketing agreements.

How Can You Find Out About Information We Have About You?

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 at any of the ways provided 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 issues to you by us. Certain types of information generally collected when evaluating claims or possible lawsuits, need not be disclosed to you.

Within thirty 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 reporting agency that prepared a report about you so that you can contact them for a copy of the report if you wish.

After you have reviewed the personal information about you in our file, you may 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 thirty 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 or of your statement. Subsequent disclosures we make also will include your statement.

How To Contact Us:

Use any of the following methods:
Liberty American Insurance Group, Inc.
P.O. Box 8080
Pinellas Park, Florida 33780
Telephone: (727) 546-8911
Toll Free Number: (800) 299-8911
Facsimile: (727) 541-1608
E-mail: www.libertyamerican.com