Privacy Policy

Tower Group Companies pledges to treat the information of our policyholders and other consumers responsibly. We value you as a customer and respect your right to privacy, and we recognize that you purchase our products and services because you trust that we will stand behind our promises. We never sell your personal information, and we do not share it with non-affiliated third parties for marketing purposes.

THE INFORMATION WE COLLECT

We may collect personal information about you from the following sources:

  • applications and other forms
  • our research to verify a claim
  • your transactions and experiences with us and others
  • consumer reporting agencies, medical providers, and others.

Personal information may include but is not limited to your name, Social Security number, date of birth, driver’s license number, medical information, credit or debit card numbers, or bank account number.

THE INFORMATION WE DISCLOSE

We safeguard information about our policyholders, former policyholders, and other consumers, and we disclose it only as permitted or required by law. We use the information we collect to process and service your policy and resolve claims. We may disclose it to persons or organizations as necessary to perform transactions that you request or authorize. For example, we may exchange information about you with our agents, investigators, appraisers, attorneys and other people involved in processing your application and servicing your policy or claims. Specifically, we may disclose the following to entities that perform administrative services on our behalf or as required or permitted by law for legal and regulatory purposes:

  • Information we receive from you on applications or other forms, such as your name, address, beneficiaries, Social Security number, family member information, assets, income, and property locations and values
  • Information regarding your transactions with us or others, such as your account balance, policy coverage, payment history, the premium you pay, and claims information
  • Information we receive from consumer reporting agencies and other sources, such as your creditworthiness and medical and employment information.

We may also share your information for other permitted purposes, including:

  • communicating with another insurance company in the event of a claim
  • complying with requests from federal, state or other governmental, regulatory, or law enforcement agencies if required by law
  • helping insurance-support organizations detect and prevent fraud
  • with state insurance departments or other governmental or law enforcement authorities if required by law to protect our legal interests or in cases of suspected fraud or illegal activities; or
  • if ordered by a subpoena, search warrant, or other court order.

CONFIDENTIALITY AND SECURITY

We maintain physical, electronic and procedural safeguards to ensure that your personal information is treated responsibly and in accordance with our privacy policy and applicable data security regulations. We restrict access to that information within our organization to employees who need to know it to provide products and services to you or to conduct Tower Group Companies business. Employees who have access to your personal information may use it only for legitimate business purposes.

FURTHER INFORMATION

We are committed to our policyholders and other consumers, and we want you to understand how we use the information we collect. If you have any questions on this subject or want additional information, please contact us.

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