Bedford Grange Mutual Insurance Company Privacy Policy

FEDERAL LAW PERMITS BANKS, INVESTMENT COMPANIES AND INSURANCE COMPANIES TO PROVIDE FINANCIAL SERVICES. THIS SAME LAW REQUIRES THESE ENTITIES TO SHARE, IN WRITING, A "NOTICE OF PRIVACY POLICY". PLEASE READ CAREFULLY THE FOLLOWING NOTICE OF...

BEDFORD GRANGE MUTUAL INSURANCE COMPANYIMPORTANT PRIVACY POLICY INFORMATION FOR OUR CUSTOMERS

OUR COMMITMENT:

At Bedford Grange Mutual we value you as a customer and protecting the privacy of information about you is a responsibility we take very seriously! In order to serve you better, having accurate information about you and your property permits us to provide appropriate insurance products, better customer service, increased efficiency of our operations and to comply with legal and regulatory requirements. We understand that this nonpublic information needs to remain confidential and therefore have this established policy to protect that information.

When you apply for any type of insurance, whether it's auto or property, you disclose a certain amount of information about yourself to us. The collection, use and disclosure of such information are regulated by law. In addition, Bedford Grange Mutual Insurance Company and its agents recognize the confidentiality expectations of our applicants and policyholders. Therefore, it is the policy of Bedford Grange Mutual and its independent agents to:

Collect only information necessary or relevant to our business.
Make a reasonable effort to ensure that information we act upon is accurate, relevant, timely and complete.
Use only legitimate means to collect information.
Make personal information available externally only to respond to legitimate needs, to regulatory or other government authorities or as otherwise permitted by law.
Limit employees' access to those who need to and are trained in the proper handling of personal information.

INFORMATION COLLECTED:

The majority of the nonpublic personal financial information we collect about you comes from:

Your application for insurance, renewal application and other forms you complete to provide information for that application process, such as name, address, phone number, Social Security number, personal property inventories and photos of your property.
Sometimes we may contact you by phone or mail to obtain additional information.
Depending on the nature of your business transaction, we may need additional information about you or other individuals proposed for coverage from outside sources, such as motor vehicle records, loss information reports, credit reports, court or other public records, and inspection bureaus to verify value and conditions. (We will comply with state law and the Federal Fair Credit Reporting Act.)
Other insurance companies.
Once insured by us, we may also collect information about claims you file under the policy, claims asserted against you under the policy or claims you make against an insured under a Bedford Grange Mutual insurance policy.

WHAT IS DONE WITH THIS INFORMATION:

Information which has been collected about you, which we keep, will be contained in either our policy records or in your agent's files. We review it in evaluating your request for insurance coverage, in determining your rates, issuing and servicing insurance policies, and settling of claims. Your agent may use information about you in his/her files for insurance marketing purposes or to help you with your overall insurance program. Should you cease to be one of our policyholders or after your claim is settled, we will continue to follow the privacy policies and practices described in this notice.

TO WHOM WE DISCLOSE THIS INFORMATION:

We do not disclose any nonpublic personal information about you to anyone, except as is permitted by law. We may be permitted by law to share information about you without prior permission under certain circumstances to certain persons and organizations such as:

Our affiliated insurance 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.
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 government authorities to protect our legal interest 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.
Certificateholders or policyholders for the purpose of providing information regarding the status of an insurance transaction.
Leinholders, mortgagees, lessors or other persons shown on our records as having a legal or beneficial interest in your policy.

ACCURACY OF YOUR INFORMATION AND QUESTIONS:

Our goal is to keep your information accurate, current and confidential. You have the right to know what kind of information we keep in our files about you, to have reasonable access to it and receive a copy. Write to us if you have questions about the information you would like to receive. Provide your complete name, address, type of policy and policy number that was issued or applied for with us. Certain types of information generally collected when evaluating claims or possible lawsuits need not be disclosed to you. We will respond to you within a reasonable period of time with the amended or corrected information or the reason why we believe that the records could not be changed as requested. Please feel free to contact us at the following address

Bedford Grange Mutual Insurance Company
P.O.Box 31
Bedford, PA 15522 Phone: 814-623-8515

PROTECTING THE CONFIDENTIALITY OF INFORMATION ABOUT YOU:

Our company maintains appropriate security standards and procedures to prevent unauthorized access to your information in whatever medium it is stored. We limit employee access to nonpublic personal information to those with a business reason for knowing such information and the degree of access is based on the sensitivity of the information and on an employee's or agent's need to know that information to service a customer's policy or comply with legal requirements. Bedford Grange Mutual also believes in educating our employees so that they will understand the importance of confidentiality of personal information, and in taking appropriate measures to enforce employee privacy responsibilities.

CHANGES TO OUR PRIVACY STATEMENT:

Bedford Grange Mutual reserves the right to modify or remove parts of this privacy statement at any time. Notice will be provided to you in advance of any changes that would affect your rights under this policy statement.

YOU SHOULD FILE THIS NOTICE WITH YOUR BEDFORD GRANGE MUTUAL POLICY FORMS AND BE AWARE THAT YOU WILL CONTINUE TO RECEIVE THIS OR A SIMILAR NOTICE ONCE A YEAR AS LONG AS YOU REMAIN A BEDFORD GRANGE MUTUAL CUSTOMER.

Bedford Grange Mutual underwrites Property and Casualty Insurance for properties located in the state of Pennsylvania.