Consumer privacy notice
The Hanover Insurance Group
Rev. November 2023
|
Facts |
What Does The Hanover do with your Personal Information? |
|||
|---|---|---|---|---|
|
Why? |
At The Hanover Insurance Group (“The Hanover”), we are committed to protecting the privacy of the personal information that we collect or maintain.
Financial companies choose how they share your personal information. Federal and state law gives consumers the right to limit some but not all sharing. Federal and state law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
|||
|
What? |
The types of personal information we collect and may share to provide products services to you include:
We may share information we collect for permissible purposes. |
|||
|
How? |
All financial companies need to share customers’ personal information for permissible purposes to run their everyday business. When The Hanover shares personal information with a trusted service provider, The Hanover requires the service provider to have processes and procedures in place to protect the information. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons The Hanover chooses to share; and whether you can limit this sharing. |
|||
|
Reasons we can share your personal information |
Does The Hanover share? |
Can you limit this sharing? |
|---|---|---|
|
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus |
Yes |
No |
|
For our marketing purposes— to offer our products and services to you |
Yes |
No |
|
For joint marketing with other financial companies (for products and services not offered by The Hanover) |
No |
We don’t share |
|
For our affiliates’ everyday business purposes to provide coverage and services to you— information about your transactions and experiences |
Yes |
No |
|
For our affiliates’ everyday business purposes to provide coverage and services to you— information about your creditworthiness |
No |
We don’t share |
|
For our affiliates to market to you |
No |
We don’t share |
|
For nonaffiliates to market to you |
No |
We don’t share |
|
Questions? |
Call [toll-free] 1-800-446-8379 or write to privacy@hanover.com |
|---|
|
Who we are |
|
|---|---|
|
Who is providing this notice |
This notice is being provided on behalf of the following Hanover Companies: The Hanover Insurance Group, Inc. - AIX Specialty Insurance Company - Allmerica Financial Alliance Insurance Company - Allmerica Financial Benefit Insurance Company - Allmerica Plus Insurance Agency, Inc. - Campmed Casualty & Indemnity Company, Inc. - Citizens Insurance Company of America - Citizens Insurance Company of Illinois - Citizens Insurance Company of the Midwest - Citizens Insurance Company of Ohio - Educators Insurance Agency, Inc. - Hanover Specialty Insurance Brokers, Inc. - The Hanover American Insurance Company – The Hanover Atlantic Insurance Company Ltd - The Hanover Casualty Company - The Hanover Insurance Company – The Hanover National Insurance Company - Massachusetts Bay Insurance Company - NOVA Casualty Company - Opus Investment Management, Inc. - Verlan Fire Insurance Company. |
|
What we do |
|
|---|---|
|
How does The Hanover protect my personal information? |
To protect your personal information from unauthorized access and use, we use security measures that comply with federal and state laws. These measures include computer and systems safeguards, secured files and buildings, firewall technology and the use of detection software. We have implemented processes and procedures to strengthen protection of our customer information. We limit access to your information to those employees who need access to do their job. |
|
How does The Hanover collect my personal information? |
We collect your personal information, for example, when you:
We also collect your personal information from third parties, such as consumer reporting agencies and various state department of motor vehicles or similar agencies. |
|
Why can’t I limit all sharing? |
Federal and state laws give you the right to limit only:
State laws may give you additional rights to limit sharing. See below for more on your rights under state laws. |
|
What happens when I limit sharing for an account I hold jointly with someone else? |
Where “limit the sharing” is available, your choices will apply to everyone on your account. |
|
Definitions |
|
|---|---|
|
Affiliates |
Companies related by common ownership or control. They can be financial or nonfinancial companies.
|
|
Nonaffiliates |
Companies not related by common ownership or control. They can be financial or nonfinancial companies.
|
|
Joint marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|
|
Other important information |
|---|
|
California: California residents can review our Privacy Policy for California Residents located at https://www.hanover.com/legal-and-compliance/privacy-center/privacy-policy-california-residents. New York: New York Insurance Law §2612 provides certain rights to victims of domestic violence, including privacy protections and protections from discrimination, each of which is described in the policy located at https://www.hanover.com/legal-and-compliance/privacy-policy/notice-protections-victims-domestic-violence-under-ss2612-new. As mentioned above, The Hanover may share your personal information for our everyday business purposes— such as to process your transactions and claims, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. The term “Information” means information we collect during an insurance transaction or other interactions you may have with us. We may share your Information with nonaffiliates without your prior authorization as permitted or required by law: for example, we may share your Information with insurance regulatory authorities, law enforcement, and re-insurers and consumer reporting agencies, among other insurance support organizations. Information we obtain from a report prepared by an insurance-support organization may be retained by that insurance-support organization and disclosed to others. To request access to or deletion of your personal information, send a written letter to: The Hanover Insurance Group, Inc., c/o Chief Privacy Officer, 440 Lincoln Street N435, Worcester, MA 01653. Include your name, address, and your policy, contract, or account number, and describe the information you wish to access or delete. You may correct inaccurate personal information by visiting Hanover.com or calling your agent. We can’t change information other companies, like credit agencies, provide to us. You’ll need to ask them to change it. |
Property Inspection for Valuation and Underwriting
Your professional insurance agent is dedicated to working with you to help make sure that you have the appropriate amount of coverage for your property. From time to time, we may order an inspection of your property to assist with the determination of whether the coverage on your property is adequate. We may also order an inspection to assist us in our underwriting process. Our inspection process may involve discussions with your agent, a phone discussion with you, inspecting and taking pictures of your property by third party service provider, a computerized analysis using a set of cost factors including labor and construction materials in your region, or a combination of these or other measures to help determine whether you have the appropriate amount of coverage for your property. It is necessary that you cooperate with us when we make a property inspection request. It is important to understand that the market value of your property and the replacement cost may differ significantly for many reasons, including that construction costs may differ significantly from region to region. We utilize third party vendors to provide us with inflation trend information for your region. We will also periodically apply automatic inflation adjustments to your coverage amounts to keep pace with regional inflation trends. If you have questions about the amount of your coverage compared to the replacement cost of your property, you should contact your agent. Also, if you made changes to your property during the policy period, or have information which you feel we should be aware of, such as the installation of upgraded fixtures or other changes or additions to the property which may have bearing on its value, you should contact your agent or us directly to provide such information. Although the responsibility for making sure your property is properly insured to its value rests with you, our property inspection and coverage evaluation program has been designed to assist you and your agent with this evaluation and to assist us in our underwriting process. Please refer to your issued policy for the coverage you are afforded.