At Bellows-Nichols Agency, maintaining our customers’ trust and confidence has always been a priority. Insurance agencies, like all other providers of personal financial services, are now required by law to inform their clients of the agency’s policy regarding privacy of client information. Below you will find an outline of measures we take to safeguard your non public personal information and how we may share that information during the course of business in order to provide you with the quality of service you have come to expect from us.
Categories of Information Collected
Information regarding your name, address, social security number, date of birth, etc. is obtained in most instances directly from you, most often from an application, request for additional service or services you have purchased from us in the past. Depending on the nature of your insurance transaction, we may need additional information from outside sources such as motor vehicle reports, credit reports, court records, or other public records. We may send someone to inspect your property and verify information regarding its value and condition, and a photo may be taken.
Categories of Information That May Be Shared With Others
We may share the above information along with any information contained in your policy and application with people who conduct transactions on your behalf such as automobile dealers, mortgagees, lienholders, fiduciary parties (attorneys, accountants, auditors), claims adjusters and parties administering transactions requested or authorized by you. By law, we are allowed to share information in limited situations, to third parties necessary to effect, enforce and administer your insurance transactions in connection with servicing your account. The law also allows you to choose not to have your non public personal information shared with third parties or obtained from third parties and requires you to notify us in writing if this option is chosen. Information that we disclose to others is limited to those entities and that information necessary for them to conduct business on your behalf; employees, law enforcement or governmental authorities, authorized persons by law (in the case of power of attorney etc.), your carrier or potential carriers, parties that perform claims or fraud investigation and parties who perform a professional business function that assists us in providing services to you.
How We Protect Your Information
Access to your personal information is restricted to personnel and industry entities that need this information in order to transact your insurance business. In addition we maintain physical, electronic and procedural safeguards to insure confidentiality and to comply with federal and state regulations protecting your privacy. We adhere to this level of confidentiality even when a customer relationship no longer exists.
Sharing information internally or with business partners helps us to identify products and services which might better serve your insurance needs. We greatly appreciate your business and the opportunity to continue to deliver the quality of customer service you have come to rely on.