A “consumer” is a person who seeks or obtains products or services from us for personal, family or household needs. Only a natural person may be a consumer.
“Personal information” is information about a consumer that is not publicly available.
Information We Collect
We collect personal information from:
- People who apply for insurance from us;
- People who visit our website;
- People we insure;
- People involved in claims under our policies;
- The consumer’s transactions with us, our affiliates, our agents or others;
- Consumer reporting agencies or insurance support organizations; and
- Other third parties including state motor vehicle departments.
Information we collect from an insurance-support organization may be kept by them. They may disclose it to others.
Information We Disclose
We do not disclose personal information, except as required or allowed by law. Sometimes we are allowed to disclose personal information without consent.
Examples of such disclosures include:
- To a person who performs administrative, business, professional, or insurance functions for us;
- To confirm eligibility for insurance benefits or payments;
- To detect or prevent crime or fraud;
- To insurers or agents that need it to perform an insurance function;
- To insurers or agents so we can perform an insurance function;
- To medical providers to confirm insurance coverage;
- To insurance regulators;
- To law enforcement;
- In response to subpoenas, search warrants or other court orders;
- For actuarial or research studies;
- In connection with a sale of our business;
- To an affiliate who is auditing us;
- To a peer review group looking at the services or conduct of a medical provider;
- To a public agency that may have paid health benefits for a consumer;
- To a certificate holder or policy owner who wants to know the status of an insurance transaction;
- To a person with a legal interest in a policy issued by us;
- To rate advisory organizations;
- To guaranty funds;
- To rating agencies;
- To our lawyers, accountants and auditors;
- To a group policy owner to report claims experience;
- To a group policy owner to conduct an audit; or
- As otherwise required or allowed by law.
We authorize our workers, agents, outside vendors and others to access personal information only when they have a business reason to do so. We have physical, electronic, and procedural safeguards to protect personal information from unauthorized access.
Right to Review & Correct Personal Information
A consumer who lives in AZ, CA, CT, GA, IL, MA, ME, MT, NC, NJ, OH, OR, VA may review personal information we have gathered about the consumer. The consumer may send a letter to: Chief Privacy Officer, P.O. Box 2048, Omaha, NE 68103.
The letter should include name, address, phone number, policy number and describe the records that the consumer wants to review. Upon receipt of this request, we will review our records and inform the consumer if we have the information sought and if it is reasonably locatable and retrievable. If it is, the consumer may review the information in person or request that we mail them a copy. We will disclose to the consumer who else received the information in the past two years or who would normally have received it in the past two years. We may charge the consumer a fee.
The consumer may ask us to fix mistakes in our records. If we agree, we will correct our files. Upon request, we will send revised information to a person who received information from us in the past 2 years. If we disagree, the consumer may file a short statement of dispute. The statement will be included with information we share in the future. Upon request, we will send the statement to a person who received information from us in the past 2 years.
Medical Record Rights
A consumer who lives in MT may ask for a record of medical record information we have disclosed. The consumer may send a letter to: Chief Privacy Officer, P.O. Box 2048, Omaha, NE 68103.
Changes to Policy
We may change this policy at any time. We will provide advance notice of changes if required by law.
- Berkshire Hathaway Homestate Insurance Company
- Brookwood Insurance Company
- Continental Divide Insurance Company
- Cypress Insurance Company
- Oak River Insurance Company
- Redwood Fire and Casualty Insurance Company
Frequently Asked Questions (FAQ)
Why does Berkshire Hathaway Homestate Companies request personal information from me?
Through Berkshire Hathaway Homestate Companies’ website, you may request various kinds of information. For example, on one page, you may request a quote for various types of insurance coverage. You may choose to submit a claim on another page. On yet another page, you may request information about employment at Berkshire Hathaway Homestate Companies.
To assist us in fulfilling your request, we will ask you to submit certain limited personal information. We intend to use the information you provide only in the normal course of our business. In some cases, the information you submit may be shared with one of our agents, who may then contact you or your insurance agent to discuss the insurance services we offer.
What information does Berkshire Hathaway Homestate Companies collect about me?
We only request limited amounts and types of information from visitors to our website. The nature of information we request will depend on the purpose for your visit to our website and will be evident from the page you are viewing. We do not collect specifically-identifiable personal information when you visit the website unless you choose to provide such information. Certain personal information is required, however, if you wish us to process certain types of transactions or requests, such as a request for an insurance coverage quote, employment application, claim, or payment.
Certain portions of Berkshire Hathaway Homestate Companies' Website employ cookies. Cookies are small pieces of information that are stored by your browser on your hard drive. They enable you to use the website more efficiently by storing certain contact information (such as your name, phone number, and the like) that you provide. If you revisit the website before the cookies expire, the stored information you have provided will be recalled. Thus, you will not have to re-enter your contact information if you choose to request another quote at a later date.
Berkshire Hathaway Homestate Companies' Website uses persistent cookies with a 60-day lifetime. These cookies automatically expire after sixty days. You are free to decline cookies if your browser permits. You will still be able to use the website, but will have to re-enter your information if you visit the website in the future.
Does Berkshire Hathaway Homestate companies use website analytics?
Berkshire Hathaway Homestate Companies' website uses Mouseflow, a third-party analytics tool, to track page content and click/touch, movement, scroll, and keystroke activity. You can opt-out at http://mouseflow.com/out-out.
Is my information secure?
Berkshire Hathaway Homestate Companies endeavors to handle your information in a secure manner and limits access to the information that you submit through its website. Our personnel adhere to high standards of ethics and integrity in performing their jobs and conducting the business of Berkshire Hathaway Homestate Companies.