We are committed to protect the privacy and security of the personal information that we
collect about applicants for coverage and insureds. This policy statement is intended to
help understand how we collect, handle and safeguard that information. We treat the
personal information of our applicants and insureds in a confidential manner. We do not
provide information to non-member companies for the purpose of marketing their
products or services to our applicants or insureds. We do not disclose any non-public
information about our current or former applicants or insureds to anyone, except as
permitted by law.
Information we collect about applicants and
insureds may come from them, their insurance agents, applications, inspections,
investigations and other sources and will not be given to anyone without the applicant’s
or insured’s consent, except when necessary to conduct our legitimate business and when
it is permitted by law. The information we collect may include data necessary to enable
us to determine eligibility for coverage, to issue and service a policy, to investigate and
adjust losses, to settle or defend claims, and may include prior claims history.
There are some disclosures, which may be made
without the applicant’s or insured’s prior authorization. These include disclosures to:
Other insurance companies, producers, inspectors and reinsurance
companies as it may be needed in connection with any application, policy
or claim involving our applicant or insured.
Adjusters, appraisers, investigators and attorneys who need the
information to investigate, settle or defend a claim involving an applicant
Insurance support organizations established to collect information for the
purpose of protecting and preventing insurance crimes or fraudulent
Our Member Insurers.
In addition, we may provide information to the North Carolina Department of Insurance in connection with its regulatory authority and to other governmental or law enforcement authorities to protect our legal interest or in cases of suspected fraud or improper activities.
We have established procedures to maintain physical,
electronic and procedural safeguards to maintain the confidentiality of the non-public
personal information of our applicants and insureds. Appropriate measures are taken to
ensure that access is available to only those individuals who need to know that
information in order to provide our products and services.
NCJUA/NCIUA uses 9 Secure Sockets Layer (SSL). This
keeps all information confidential when it is sent between our web site and your
computer. Please be careful about the information you give us in e-mail. As with any
public web site, this communication may not be secure.
Applicants and insureds may request access to all personal information, which we have
collected. This request should be sent to: Manager, North Carolina Joint Underwriting
Association/North Carolina Insurance Underwriting Association, Post Office Box 8009,
Cary, North Carolina 27512. They may call us at (919) 821-1299 between 8:00 a.m. and
4:15 p.m. Monday through Friday. If we are unable to resolve their concerns or answer
their questions, we will refer them to the North Carolina Department of Insurance.