(As of December 1, 2007)
lines of insurance, including but not limited to: homeowners, automobile, mobile homes, dwellings, umbrellas, RVs, life and annuities, accident and health, disability income, and long-term care.
What kind of personal information do we collect about you and from whom?
Brower Insurance Agency obtains most of our information directly from you. The application you complete, as well as any additional information you provide, generally gives us most of the information we need to know. We may also collect personal information about you from any of your other transactions with us, our affiliates, or others. Sometimes we may contact you by phone, mail, or electronic means to obtain additional information.
Depending on the nature of your insurance transaction, we may need additional information about you or other individuals proposed for coverage. For auto insurance, we may need information from motor vehicle records. For property coverages, we may send someone to inspect your property and verify information about its value and condition. A photo of any property to be insured might be taken. We may also review insurance claims information and other loss information reports.
We may obtain the additional information we need from third parties, such as insurance companies, government agencies, information clearinghouses, courts, and other public records. We may obtain consumer credit information from a consumer reporting agency as well.
Disclosure of Information
As stated previously, we do not share information with non-affiliated third parties that would use it to market products or services to you.
We may disclose the following kinds of nonpublic personal information (NPI) about you:
- Information we receive from you on applications or other forms, such as your name, address, social security number, assets, income, and beneficiaries.
- Information about your transactions with us, our affiliates, or others, such as your policy coverage, premiums, and payment history.
- Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
We may disclose the personal information described above as required to conduct our business and as permitted by law. Our standards for disclosure apply to your personal information whether you are a current or former customer.
Categories of third parties to whom NPI is disclosed
In the course of our general business practices, we may disclose the information that we collect about you or others without your permission to the following types of institutions:
- To a third party if the disclosure will enable that party to perform a business, professional, or insurance function for us.
- To an insurance institution, agent, or credit reporting agency in order to detect or prevent criminal activity, fraud, or misrepresentation in connection with an insurance transaction.
- To an insurance institution, agent, or credit reporting agency for either this agency or the entity to which we disclose the information to perform a function in connection with an insurance transaction involving you.
- To an insurance regulatory authority, law enforcement, or other governmental authority.
- To a group policyholder for the purpose of reporting claims experience or conducting an audit of our operations and services.
Who has access to your information?
Now that you trust Brower Insurance Agency not to share information with non-affiliated third parties that would use it to market products or services to you, please note that we may share your non-public information with another insurance carrier (non-affiliated) at the renewal of one or all of your personal policies. Realize again that these companies will not use this information to market products or services to you. If you wish to opt out of the information sharing described, please write to us at Brower Insurance Agency, P.O. Box 37, Dayton, OH 45401. Please provide your complete name, address, telephone number, and policy number(s). We will send you an opt-out form which must be returned to Brower at the named street address no later than 30 days after you receive the form in order for it to be valid. If you do not return this form to us within 30 days, you have not exercised your opt-out right, and we may share the information described.
You have the right to request access to the personal information that we record about you. Your right includes the right to know the source of the information and the identity of the persons, institutions, or types of institutions to whom we have disclosed such information within two (2) years prior to your request. Your right includes the right to view such information and copy it in person, or request that a copy of it be sent to you by mail (for which we may charge you a reasonable fee to cover our costs). Your right also includes the right to request corrections, amendments, or deletions of any information in our possession. In order to do so, please submit a request in writing to the named address, including all necessary information regarding the information requested. Upon receipt of the request, we will contact you within 30 days to notify you of the status of your inquiry.
Our Commitment to Privacy
Brower Website Privacy
Information Automatically Collected and Stored
When you browse through our website, certain personal information about you can be collected. We automatically collect and temporarily store the following information about your visit:
- The name of the domain you use to access the Internet (for example, aol.com, if you are using an American Online account, or osu.edu, if you are connecting from Ohio State University's domain);
- The date and time of your visit;
- The pages you visited; and
- The address of the website you came from when you came to visit.
We use this information for statistical purposes and to help us make our site more useful to visitors. Unless it is specifically stated otherwise, no additional information will be collected about you.
Personally Provided Information
You do not have to give us personal information to visit our website. If you choose to provide us with additional information about yourself through an e-mail message, form, survey, etc., we will only maintain the information as long as needed to respond to your question or to fulfill the stated purpose of the communication.
Brower does not disclose, give, sell or transfer any personal information about our visitors, unless required for law enforcement or statute.
If you have any questions regarding our Privacy Policies, please contact us at 937.228.4135.
- Marsh-RIMS Survey Finds Greater Risk Management Engagement in Delivering Strategic Value
April 22, 2013
- Brower Selected as a Dayton and Springfield Top Workplace
January 28, 2013
- Brower Insurance Principal Talks Recent Merger, Future
December 21, 2012
- Marsh & McLennan Agency Acquires Brower Insurance Agency, LLC
December 5, 2012
- Forbes Recognizes Cincinnati Financial Corporation as America's Most Trustworthy Company
- Ohio Has Become the 39th State to Prohibit Texting While Driving