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Consent for collection, use and/or disclosure of personal information

Toronto, Ontario, Canada, March 12, 2019

Broker announcement: Your role in obtaining meaningful consent

Effective January 1, 2019, the Canadian Privacy Commissioner began enforcing guidelines for obtaining meaningful consent, requirements we must follow to legally obtain valid consent for the collection, use and/or disclosure of personal information.1

What does this mean for our brokers?

Brokers are legally and contractually required to obtain the express meaningful consent of the policyholder when using personal information for any reason not specifically stated in the Broker Agreement with Zurich.

  • Meaningful consent is required and can be explicit or implied.
  • Only personal information that is essential to the business transaction is collected.
  • The collected information is used only for stated purposes of securing and administering insurance coverage.

Consent is considered meaningful when individuals are provided with clear information explaining what Zurich is doing with their information.

How is meaningful consent obtained?

  • The insurance application should identify the purposes for which personal information is collected.
  • Purposes that are stated orally should be confirmed in writing.
  • Brokers must provide access to a written privacy policy.

For information on Zurich Canada’s personal information handling practices, contact:

Privacy Officer
Zurich Insurance Company Ltd (Canadian Branch)
Attention: Canada Compliance
Zurich Canada
100 King Street West
Toronto, Ontario M5X 1C9

Telephone: 1-416-586-6800; toll-free 1-800-387-5454 ext. 6800
Fax: 1-866-398-0234
Email: privacy.zurich.canada@zurich.com


1 Personal information includes any factual or subjective information, recorded or not, about an identifiable individual. This includes information in any form, such as:

  • Age, name, ID numbers, income, ethnic origin or blood type
  • Opinions, evaluations, comments, social status or disciplinary actions
  • Employee files, credit records, loan records, medical records, existence of a dispute between a consumer and a merchant, or intentions (for example, to acquire goods or services, or change jobs)