Privacy Policy
Berkley Medical Excess Underwriters, LLC is a member company of
the W. R. Berkley Corporation ("Berkley") group of companies and
each other member of the Berkley group of companies ("Affiliates")
understands our customers' concern about privacy of their
information collected by us. Berkley Medical Excess Underwriters,
LLC is dedicated to protecting the confidentiality and security of
nonpublic personal information we collect about our customers in
accordance with applicable laws and regulations. This notice
refers to the Companies by using the terms "us," "we," or
"our." This notice describes our privacy policy and describes
how we treat the nonpublic personal information about our customers
that we receive from them ("Information").
Why We Collect and How We Use Information
We collect and use Information for business purposes with respect
to our insurance products and services and other business relations
involving our customers. We gather this Information to
evaluate our customer's request for insurance, to evaluate its
insurance claims, to administer, maintain or review its insurance
policy, and to process its insurance transactions. We also
accumulate certain information about our customers as may be
required or permitted by law. Our customers' insurance agent
or broker also collects this Information and may use it to help
with a customer's overall insurance program or to market additional
products and services to a customer. We may also use
Information to offer a customer other products or services that we
or our Affiliates provide.
How We Collect Information
Most Information collected by us is provided by a customer or its
insurance agent or broker to us. We obtain Information from
(i) applications or other forms submitted by a customer, its
insurance agent or broker or its authorized representatives to us
and our Affiliates, and (ii) a customer's transactions with us or
our Affiliates. We may also obtain Information from other
sources such as (i) consumer reporting agencies, (ii) other
institutions or information services providers, (iii) employers, or
(iv) other insurers.
Information We Disclose
We disclose any Information which we believe is necessary to
conduct our business as permitted by applicable law or where
required by applicable law. This disclosure may include (i)
Information we receive from a customer on applications or other
forms provided to us and our Affiliates, such as names, addresses,
social security numbers, assets, employer information, salaries,
etc. (ii) Information about a customer's transactions with us and
our Affiliates, such as policy coverages, premiums, payment
history, etc., and (iii) Information we receive from a consumer
reporting agency, such as credit worthiness and credit
history.
To Whom We Disclose Information
We may, as permitted or required by applicable law, disclose a
customer's Information to nonaffiliated third parties, such as (i)
insurance agent or broker, (ii) independent claims adjusters, (iii)
insurance support organizations, (iv) processing companies , (v)
actuarial organizations, (vi) law firms, (vii) other insurance
companies involved in an insurance transaction with a customer,
(viii) law enforcement, regulatory, or governmental agencies, (ix)
courts or parties therein pursuant to a subpoena or court order,
(x) businesses with whom we have a marketing agreement, or (xi) our
Affiliates.
We may share Information with our Affiliates so that they may
offer a customer products and services from the Berkley group of
companies or to analyze our book of business and to consolidate
necessary information. We do not disclose Information to
other companies or organizations not affiliated with us for the
purpose of using Information to sell their products or
services. For example, we do not sell a customer's name to
unaffiliated mail order or direct marketing companies.
How We Protect Information
We require our employees to protect the confidentiality of
Information as required by applicable law. Access to Information by
our employees is limited to administering, offering, servicing,
processing or maintaining of our products and services. We
also maintain physical, electronic and procedural safeguards
designed to protect Information. When we share or provide
Information to other persons or organizations, we contractually
obligate them, if required by law, to treat Information as
confidential and conform to our privacy policy and applicable laws
and regulations.
Correction and Access to Information
Upon our receipt of a customer's written request to us, we will,
generally, make available Information for the customer's review. If
the customer believes the Information we have about it is incorrect
or inaccurate, the customer may request that we make any necessary
corrections, additions or deletions. If we agree with the customer,
we will correct our records if required by applicable law. If we do
not agree, the customer may submit to us a short statement of
dispute, which we will include in any future disclosure by us of
such Information if required by applicable law.
