Committed to privacy protection
Zurich Insurance Company Ltd (Canadian Branch [“Zurich”]) is committed to protecting the privacy and security of the personal information we collect in the course of providing products and services to our customers.
We value the trust of our customers and others with whom we do business. This document provides an overview of our practices regarding the collection, use and disclosure of personal information.
Why does Zurich collect personal information?
We collect personal information for the purpose of underwriting, administering and/or servicing an insurance policy, handling a claim or providing requested services.
From whom is personal information collected?
Personal information may be collected from such sources as our affiliates, independent insurance brokers, other financial institutions, credit bureaus, government departments, claims organizations, a policyholder, a customer, a customer's employee, a claimant, a claimant's employer or a claimant's employee. We may collect personal information from persons who witnessed incidents, or persons retained by a claimant or by us in the process of administering or servicing a policy or handling a claim. Such people might include physicians, lawyers, accountants, repair shops, consumer reporting agencies and appraisers as permitted or required by law.
What kind of personal information is collected?
Personal information that may be collected includes, but is not limited to: an individual's name, address, telephone number, date of birth, family status, occupation, claim history, motor vehicle reports, driving record, policy number, premium and/or premium payment history, medical history and credit reports. In the case of a claim, we may also collect the claim number, date of loss, type of loss, cause of loss and the value of the claim.
How is personal information used?
We use personal information to underwrite, administer or service a policy; administer a claim; provide services; comply with the law; and as otherwise permitted by law. Affiliated and non-affiliated third parties that may receive or have access to the personal information in our care are not authorized to use such information for any marketing purposes except as permitted by law. They may not copy or disclose personal information to any other party and may use it only for the purpose of performing their responsibilities to us, one of our policyholders or claimants and as otherwise permitted or required by law.
To whom might personal information be disclosed?
Personal information may be shared with affiliated and non-affiliated third parties in Canada and abroad in order to provide services, administer or service an insurance policy or a claim, and as otherwise permitted or required by law. Our affiliates include insurance companies, third-party insurance administrators and other providers of financial products and services. Examples of unaffiliated third parties include independent insurance brokers, the policyholder, persons or organizations retained to assist in the administration of policies and/or claims (such as adjusters, appraisers, repair shops and medical service providers), insurance support organizations, reinsurers, companies with whom we have joint marketing agreements and others as permitted or required by law.
Depending on the nature and sensitivity of your personal information, your consent to the collection, use and disclosure of personal information is usually required. This consent can be express (oral or written) or implied and, subject to legal or contractual restrictions, may be withdrawn. Most of the personal information collected by Zurich is provided to us by independent insurance brokers or agents with your consent. If an insurance broker or agent tells Zurich that they have a customer’s consent to collect and use personal information for a purpose set out in this Privacy Statement or otherwise required by law, Zurich will rely on that statement. Zurich may also obtain your consent and collect such information directly or through insurance adjusters, private investigators or lawyers representing Zurich or our insured.
Generally, you may refuse or withdraw your consent to the collection, use or disclosure of your personal information at any time. If you do withdraw your consent, Zurich may no longer be able to provide you with insurance coverage and services. If you would like to withdraw or alter your consent, please contact the Privacy Officer.
What security features are in place to protect personal information?
Access to personal information is limited to those with a specific "need to know" in order to provide products and services to policyholders and to others as permitted or required by law. We maintain contractual, physical, electronic and procedural safeguards to protect against the misuse of personal information under our control. We will only keep personal information for as long as is necessary or as required by law.
Can I access or change my personal information?
To access your personal information on file, please send a request in writing to our Privacy Officer at the address provided below. Please specify the kind of information you are seeking. You will be contacted by our Privacy Officer and asked to provide some form of identification to confirm your right to access this information. Please note that there are certain circumstances where the law does not require us to provide you with access.
To change or correct any personal information, please contact our Privacy Officer.
What if I have a question, concern or complaint?
If you have a question, concern or complaint about privacy or our personal information handling practices, please contact our Privacy Officer at the address or number listed below or visit our website for details on how to bring your concern to our attention.
Attention: Canada Compliance
100 King Street West
Toronto, Ontario M5X 1C9
Toll Free: 800-387-5454 ext. 6800
This Privacy Statement is a stand-alone document. You may receive privacy statements or notices from other parties. The terms of this Privacy Statement do not modify, supersede, revise, or amend the terms of other privacy statements or notices received from other parties. This Privacy Statement may be amended from time to time.
Last Update: January 2019