Berkshire Hathaway Specialty Insurance is committed to safeguarding your privacy and the confidentiality of your personal information. This Notice explains how we manage, collect, use and protect the personal information entrusted to us. In particular, this Notice aims to provide you with a better understanding of the types of personal information we collect and the purposes for which that information is used, including circumstances where information may be disclosed to third parties and overseas recipients.
The very nature of Berkshire Hathaway Specialty Insurance’s business is such that the collection, use and disclosure of personal information is fundamental to the products and services we provide. We work hard to respect and maintain personal privacy and accordingly align this policy with the 10 “Fair Information Principles” as set out by the Personal Information Protection and Electronic Document Act (“PIPEDA”):
At Berkshire Hathaway Specialty Insurance, consent is obtained from you for the collection, use and disclosure of personal information, unless inappropriate. The purpose for which information is collected, used or disclosed is either obvious or if not, we state the purpose; either at or before the time the information is collected, used or disclosed. We collect only that personal information which is necessary to such purposes.
We typically collect, use and disclose personal information for insurance purposes such as assessment of risk, processing applications for insurance, providing insurance products and related services, investigating claims and to prevent or deter fraud. We consult our existing files for these purposes. We collect most information directly from the individual to whom the information relates. However, in the underwriting of insurance risks and the investigation of insurance claims, we verify information and obtain information from independent sources and organizations.
Subject to legal and contractual restrictions, an individual may decline or revoke consent to the collection, use and disclosure of personal information for insurance purposes. However, if that is the case, our insurance products and related services and benefits and the assessment of claims may be limited or terminated.
We do not sell any personal information to marketing companies.
We endeavour to ensure and maintain the accuracy of the information we collect and use. However, we rely on you to disclose material information to us and to inform us of any changes.
We hold your personal information in various internal systems and databases including shared drives, email, document management systems and in hard copy. We maintain physical, electronic, and procedural safeguards to protect the security of personal information from misuse and loss, as well as unauthorized access, modification or disclosure. After it is no longer needed or required for applicable legal or regulatory purposes, we dispose of or de-identify personal information.
You can obtain written information about Berkshire Hathaway Specialty Insurance policies and practices with respect to the use of service providers outside of Canada by contacting [email protected]
As a general rule, all personal information is held in strict confidence and except in limited circumstances it is not disclosed to anyone unless expressly or implicitly authorized by you.
Personal information is sought and exchanged with both affiliated and unaffiliated insurance companies, reinsurers and insurance industry organizations at the time of assessing an application for insurance, any renewal, extension, variation or cancellation of any issued policy, as well as in the event of any claim, to the extent necessary for industry statistical purposes or to assess and rate specific risk, determine the status of coverage and investigate claims. We also seek and disclose information to combat fraud; where permitted or required by law; or, at the request of government regulators.
Personal information is retained only for as long as is necessary to fulfil the purpose for which it was collected and to satisfy legal and contractual obligations. Given the nature of insurance and the on-going exposure to potential claims, where necessary, some of the information we collect for insurance purposes is retained indefinitely. You have the right with satisfactory identification and proof of entitlement to access and verify your personal information to request access or, if applicable, request a correction of your personal information. The right to access is not absolute. For example, there is no right to access information subject to a legal privilege. Access to personal health information may be obtained through your health care professional.
We may charge a reasonable fee in advance for copying and sending information you have requested and to which you have a right of access. Should this be the case, you will be advised.
If you have any questions or concerns about how we handle your personal information, please contact us at: [email protected]
This Notice may change from time to time and where this occurs, the updated Notice will be posted on our web site.
For further information please contact us at:
Berkshire Hathaway Specialty Insurance
1 Lincoln Street
Boston, MA 02111
Attn: Deputy Compliance Officer