Effective Date: 05/02/2014
Protecting your privacy is very important to us. Policyholders like you have trusted Berkshire Hathaway companies with their insurance needs for over 75 years, and we take our obligation to safeguard and secure your personal information very seriously. We want you to understand how we protect your privacy and when we collect and use your information.
The Information We Collect
Non-public personally identifiable information ("Information") is information that identifies you and is not available to the general public. The following sections tell you more about how and when we collect your Information.
Information We Obtain From You
During the quoting, application, or claims handling processes you may give us Information such as your:
If you gave us your email address, BHTP may use it from time to time to notify you of such things as new services, special offers, or to confirm transactions. If you do not wish to be contacted by email for non-policy related communications, you may unsubscribe by following the instructions at the bottom of any BHTP email you receive.
If you register for an account on our site, you can log in to your account at bhtp.com, click on "Update Email Preferences" and choose the level of communication you’d like to receive from us. If you have not yet enrolled online, you will need to enroll with bhtp.com to update your email preferences.
Information About Your Transactions
We may collect Information about your transactions and experiences with us such as your payment history, travel itineraries, claims, coverage, and policy changes.
Information From Third Parties
When filing a claim we may receive Information about you from insurance reporting agencies to provide us with claim reports where permitted by law.
As permitted by law, we may also review your claims history when filing additional claims.
Location Services for Mobile Apps
Your current location is only determined if you choose to use a function on our apps to determine your current location. If you allow your location to be obtained using a BHTP app, we will use this information to return your estimated location. We use this information solely to distinguish your current location and not to identify you. BHTP does not automatically track your location when you use our apps.
Access and Correction of Personal Information
If you are a resident of Arizona, California, Connecticut, Georgia, Illinois, Maine, Minnesota, Montana, Nevada, New Jersey, North Carolina, Oregon, or Virginia, you have the right to access and correct the personal information that we have collected from or about you. To do so, simply contact BHTP’s customer service department. If you’d like to correct information that you provided to us, our representative will make the appropriate adjustments to BHTP’s records. If you wish to correct personal information provided to BHTP by a third party (such as a claims reporting agency) the representative will provide you with the applicable third party’s contact information.
Upon the request of residents of other states, we will take reasonable steps to verify the accuracy of the personal information in our records.
The Information We Disclose
Information about our customers or former customers will only be disclosed as permitted or required by law. Information about you that has been collected is maintained in your policy and/or claims records.
We use this Information to process and service your policy; to settle claims; with your consent; or as directed by you. We may also disclose it to persons or organizations as necessary to perform transactions you request or authorize. Information about our former customers and about individuals who have obtained quotes from us is safeguarded to the same extent as Information about our current policyholders.
Following are some examples of how we may disclose Information:
We must exchange Information about you with our agents, investigators, appraisers, attorneys, and other persons who are or will become involved in processing your application and servicing your policy or any claims you may make.
When you are involved in a claim, policy information is provided to adjusters and the businesses that will provide assistance to you.
We may share Information with persons or organizations that we have determined need the Information to perform a business, professional, or insurance function for us. These include businesses that help us with administrative functions. If the law in your state permits, we may share Information with other institutions with which we have a joint-marketing agreement. All of these entities are obligated to keep the Information that we provide to them confidential and to use the Information only for the purpose for which the Information was provided.
Information may be provided to organizations conducting actuarial research or audits. In this case, you will not be individually identified in any research report. The organization must agree not to redisclose the Information and the Information will be returned to us or destroyed when it is no longer needed.
We may also share your Information for other permitted purposes, including:
Confidentiality and Security
We restrict access to your Information to employees who we have determined need it in order to provide products or services to you. We train our employees to safeguard customer information, and we require them to sign confidentiality and non-disclosure agreements. We maintain strict physical, electronic, and procedural safeguards to protect your Information from unauthorized access by third parties.
Your Security is Important
Please see our Internet Security Policy for further information on how we protect your information on the Internet.
Additional Information for Our Internet Users
We continuously improve bhtp.com. We are interested in how visitors use our website, what they like and dislike, and where they have problems. We may gather data on how users navigate our site so we can make bhtp.com an easy place to do business. Our tools may gather data such as what browser a person uses or even what pages are most popular.
Bhtp.com may place small pieces of computer code (embedded objects) on our pages to help our advertising partners count how many customers they referred to our site. We may use these objects to track how many referred customers actually get a rate quotation. We may also use objects placed on other sites to monitor your exposure to our advertising or other offers online. These objects don’t collect any personally identifiable information about you. You can opt out of our advertising service provider(s) and other companies’ tracking cookies used for interest-based ads by visiting the Digital Advertising Alliance’s aboutads.info choices page.
What to Do if You Have Privacy or Security Concerns
If you have a concern about privacy or security at BHTP, we want to hear about it by mail or email.
Please write to us at:
Berkshire Hathaway Specialty Insurance Company
5000 Woodward Dr, Ste D
Stevens Point, WI 54481
or email us at firstname.lastname@example.org
New York Domestic Violence Notice
New York Confidentiality Protocol for Victims of Domestic Violence and Endangered Individuals. New York Insurance Law 2612 requires that certain insurers establish procedures to protect and limit access to certain personal information related to a victim of domestic violence.
New York Insurance Law 2612 provides that, if any person covered by an insurance policy delivers to the insurer a valid court order of protection issued by a court of competent jurisdiction in New York State against the policyholder or other person covered by the policy, then the insurer is prohibited for the duration of the order from disclosing to the policyholder or other person the address and telephone number of the insured, or of any person or entity providing the covered services to the insured. If the child is a covered person, then the right may be asserted by the child’s parent or guardian.
New York Insurance Law 2612 also requires a health insurer, as defined in that section of the law to include an accident and health insurer, to accommodate a reasonable request made by a person covered by an insurance policy to receive communications of claim related information by alternative means or at alternative locations if the person clearly states that disclosure of the information could endanger the person. If the covered person is a child, then the right may be asserted by the child’s parent or guardian. The law further provides that, except with the express consent of the person making the request, a health insurer may not disclose to the policyholder: (1) the address, telephone number, or any other personally identifying information of the person who has made the request or child for whose for whose benefit a request was made; (2) the nature of the health care services provided; or (3) the name or address of the provider of covered services.
Procedure to Make a Request
To submit a valid court order of protection and / or a request to receive communications of claim related information by alternative means or at alternative locations to Berkshire Hathaway Travel Protection please use the following address:
Berkshire Hathaway Travel Protection
5000 Woodward Dr, Ste D
Stevens Point, WI 54481
Attention: Legal – Confidentiality Request
For further information on domestic violence services, please contact the New York State Domestic and Sexual Violence Hotline at 1-800-942-6906.
You may also access the following website: http://www.opdv.ny.gov/help/dvhotlines.html