THIS NOTICE IS PROVIDED TO SATISFY AMERISAFE'S NOTICE OBLIGATIONS UNDER FEDERAL AND STATE LAW.
Information We Collect
AMERISAFE collects personal information (“Information”) about you to conduct business operations, provide customer service, and satisfy legal and regulatory requirements.
We may collect the following categories of Information about you from these sources:
- Information directly from you or through an insurance producer or your employer from applications, premium audit reports, claim forms or other claim documents such as name, address, phone number, social security number or federal employer identification number, occupation, assets, revenue, payroll information, and prior carrier information. Under certain circumstances, we must collect personal health information about our claimants, such as information regarding an accident, disability or injury, for underwriting or claim purposes.
- Information about your transactions and experiences with us and others, such as safety/loss control inspections, claims investigations, your coverage and payment history.
- Information about you from third parties. For example, we may receive Information from rating organizations and consumer reporting agencies. We may also receive Information about you from an employer for claims purposes.
WEBSITE USER INFORMATION
When you visit or use our Site, we may place a “cookie” on your browser. Cookies are small pieces of information transferred from our website to your hard drive that contain a unique identifier recognized by our web server. They allow us to track usage and facilitate your access to and use of the Site by allowing your experience to be customized, and to permit us to authenticate your identity as a returning user when you browse portions of the Site restricted to registered users.
Information We Share
AMERISAFE may disclose the Information we collect to service, process or administer business operations such as underwriting and claims, and for other purposes such as regulatory compliance, the detection or prevention of fraud, or as otherwise required or allowed by law. These disclosures may be made without prior authorization from you, as the law permits.
We may disclose Information to service providers and to other parties including reinsurers, insurance producers, auditors, independent claim adjusters, third party administrators, employers, and claims-related experts.
AMERISAFE does not share Information for marketing purposes.
We may disclose the same categories of Information with regard to former customers as we do to current customers.
Information may also be disclosed as permitted or required by law. For example, Information may be disclosed to detect or prevent fraud or to comply with an inquiry of a government agency or regulator, or in response to a summons or subpoena.
Confidentiality and Security
AMERISAFE has physical, electronic, and procedural safeguards that comply with applicable law to protect your Information. We share your Information with third parties only as they need to see it (such as auditors, claims personnel, and your agent), and their use of your Information is limited by law and by written agreements, where appropriate. Those who have access to Information are obligated to safeguard it.
If you prefer that we do not disclose your Information to non-affiliated third parties, you may request to opt out of such disclosures and request that we not make such disclosures, other than those permitted by law.
Subject to applicable law, you may have the right to see your Information. To request it, please email us at Legal@AMERISAFE.com. You must state your full name, address, the insurance company, policy number (if relevant) and the Information you want. We will tell you what Information we have. If you think any Information is wrong, you must write us. We will let you know what actions we take.
You may be able to set your browser to reject cookies. Please review your browser or device’s “Help” file to learn the best way to modify your settings. Please note that rejecting cookies may disrupt certain functionality of the Site.
Third Party Websites
AMERISAFE’s services are not directed to or intended for children. AMERISAFE does not knowingly collect or post Information from children under the age of 16.
We maintain our services in the United States, and the services are not intended to subject AMERISAFE to the laws or jurisdiction of any state, country or territory other than that of the United States. Those who choose to access our services do so on their own initiative and at their own risk. Regardless of where you are located, by using AMERISAFE’s services you consent to the transfer and processing of your Information to and in the United States, which may not provide the same level of protection for your personal information as your home country. You are responsible for complying with all local laws, rules and regulations when you use our services.
Notice For California Residents
This Supplemental Privacy Notice for California Residents applies solely to visitors, users and others who reside in the State of California (“consumers” or “you”). This supplemental notice is provided to you in order for us to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws.
Pursuant to the CCPA, below is a summary of the categories of personal information that we collect, the reason we collect your personal information, where we obtain the personal information, and the third parties with which we share your personal information. Personal information does not include publicly available information from government records, de-identified or aggregated information, or information excluded from the CCPA’s scope, such as personal information covered by certain sector-specific privacy laws including the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act and the California Financial Information Privacy Act.
We may collect the following categories of personal information about you from the sources noted in the INFORMATION WE COLLECT section above:
- identifiers such as a name, address, unique personal identifier, email, phone number, your device’s IP address, software, and identification numbers associated with your devices;
- protected classifications such as gender;
- commercial information such as records of products or services purchased, obtained or considered by you;
- Internet or other electronic information regarding your browsing history, search history, the webpage visited before you came to our Site, length of visit and number of page views, click-stream data, locale preferences, date and time stamps associated with transactions, and system configuration information;
- your geolocation, to the extent you have configured your device to permit us to collect such information;
- employment-related information; and
- inferences about your preferences, characteristics, behavior and attitudes.
We generally do not collect biometric information.
Why We Collect Your Personal Information
We may use your personal information for performance of our services, and for other purposes as permitted by law. Some examples include:
- Performing services such as underwriting, pricing and administering insurance coverage.
- Communicating with you, for example to respond to inquiries.
- Providing you with the services that you request, such as by completing transactions, processing claims, or providing a quote for an insurance policy.
- Providing you with information, including communications, interest-based advertisements and marketing communications.
- Developing, operating, delivering, maintaining, improving and protecting the services we provide.
- Monitoring, analysis, and research, including of trends, usage, and advertising-related services.
- Enhancing the safety and security of the services, preventing fraud, or protecting our or our customers’ rights or property.
- Enforcing applicable terms and conditions.
- Complying with laws and regulations, including any internal policy based on or reflecting legal or regulatory guidance, codes or opinions.
Third Party Sharing
We may share the categories of personal information listed above with third parties in connection with performance of our services and business operations, as permitted or required by applicable law. For example, we may work with third parties that provide services to us and we may partner with third parties to develop, operate, deliver, maintain, improve, and protect our services and in connection with other AMERISAFE offerings and operations. Those parties can include but are not limited to:
- Financial service providers such as independent insurance agencies.
- Contractors, service providers, and other third parties who require such information to support our business.
- Reinsurance companies or claims administrators.
- Insurance regulators or law enforcement officials.
- Lienholders, assignees, lessors, or other persons having a beneficial or legal interest in an insurance policy.
- Others to prevent fraud, or to respond to a subpoena or search warrant.
- Companies that provide credit reports or claims history.
Your Rights and Choices
The CCPA creates a number of consumer privacy rights for certain California residents to the extent their personal information is covered by the CCPA. AMERISAFE may deny a request based on applicable exceptions under the law. For instance, we cannot disclose specific pieces of personal information if the disclosure would create a substantial, articulable, and unreasonable risk to the security of the personal information, your account with us or to the security of our network systems.
- Right to Know. You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you: (i) the categories of personal information we have collected about you, (ii) the categories of sources from which personal information is collected, (iii) the business or commercial purpose for the information collection, (iv) the categories of third parties with which we have shared personal information, and (v) the specific pieces of personal information we hold about an individual.
- Data Portability. You have the right to request a copy of the specific personal information we collected about you during the 12 months before your request.
- Subject to certain exceptions, you have the right to request that we delete any personal information we have collected from you or maintain about you.
- Opt-out of Sales. You have the right to opt out of having your personal information sold. We do not sell your personal information.
- Non-discrimination. You have the right not to be discriminated against for exercising any of the rights described in this section. We will not discriminate against you for exercising your right to know, to request to delete or opt out of sales.
Exercising Your Rights
To assert your right to know or your right to request to delete your personal information, please contact us at Legal@AMERISAFE.com, or call us at (800)256-9052 and ask for the Legal Department. To verify your identity, we may ask you to verify personal information we already have on file for you. If we cannot verify your identity from the information we have on file, we may request additional information from you, which we will use only to verify your identity, and for security or fraud-prevention purposes. Only you or a person registered with the California Secretary of State that you authorize to act on your behalf may make a verifiable consumer request related to your personal information.
With the exception of a parent or guardian of a minor or authorized agents with power of attorney pursuant to California Probate Code sections 4000 to 4465, you will be required to verify your own identity directly with AMERISAFE, and provide written permission for an authorized agent to act on your behalf.
The verifiable consumer request must: (1) provide sufficient information that allows us to reasonably verify that you are the person about whom we collected personal information (or the person’s authorized representative) and (2) describe your request with sufficient detail to allow us to properly understand, evaluate, and respond to it.
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request, and if we cannot confirm that the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will use personal information provided in a verifiable consumer request only to verify the requestor’s identity or authority to make the request.