How We Use and Protect Policyholder Personal Information
The Ohio FAIR Plan Underwriting Association (OFP) shares policyholder concerns
about privacy. We understand policyholders want to know how we treat the personal
information that we obtain from them or other sources in the course of providing
insurance coverage. Policyholders may like to know:
What do we do with the personal information we have collected about policyholders?
The Ohio FAIR Plan does not disclose any of our policyholder's personal information
to companies or organizations not affiliated with us that would use the information
we have provided them to contact them about their own products and services.
A policyholder's agent may use policyholder personal information in his or her files
for marketing purposes or to help with a person's overall insurance program.
We may also use policyholder personal information as provided by law and without prior
permission, to provide personal information about policyholders contained in our records
or files to persons or organizations such as:
- Persons who perform a business function for OFP,
- Policyholder's agent,
- Insurance support organizations,
- Other insurance companies in order to perform their role in an insurance transaction involving the policyholder,
- Independent claim adjusters,
- Businesses that conduct actuarial or research studies,
- Regulatory or law-enforcement authorities,
- OFP participating companies,
- Contractors, which a policyholder has selected to provide repair services on a claim,
- Persons or organizations requesting information by administrative or judicial order, including search warrant or subpoena,
- Policyholders and loss payees for the purpose of providing information regarding the status of insurance transactions,
- Lienholders, mortgagees, assignees, lessors or other persons shown on our records as having a legal or beneficial interest in a policy of insurance on your property,
- Third party payment services.
What kind of personal information do we have and where did we get it?
Much of the personal information that we have about a policyholder comes directly
from the person. The policyholder disclosed much of this information to us on the
application or previous claim requests. We may contact policyholders by telephone
or mail for additional information. We also keep information about the types of
products and services policyholders purchase from us, as well as account balances
and payment history. Depending on the nature of the transaction policyholders are
completing with us, the policyholder may be required to provide the OFP, insurance
agents, or other entities working on OFP's behalf with information. That information
may include, for example, a policyholder's name, mailing address, phone number,
location of insured property, whether the property will be occupied by the
policyholder or whether it will be used as rental property, the estimated cash
value of the property, details about the construction of the property, name and
address of the mortgagee, present or prior insurer that insured the property,
information on whether the property is located in a flood zone and policy
information regarding flood insurance that has been issued through the National
Flood Insurance Program.
How do we protect policyholder personal information?
We maintain physical, electronic and administrative safeguards to protect your
information from unauthorized access. Our employees are authorized to access
customer information only for legitimate business purposes.
When we share personal information with companies working on OFP's behalf, we
protect that personal information where required by law with a vendor agreement
that obligates those companies to conform to our standards and keep confidential
any information about the policyholders that we give them. Finally, should a
policyholder terminate coverage with the OFP, personal information will remain
protected in accordance with our privacy practices as outlined in this important
How can a policyholder find out what information we have about the person?
The policyholder may request to obtain from us by mail, the personal information
about the policyholder in our records.
Do we ever share policyholder information with outside organizations?
We may share personal information about policyholders with companies or other
organizations outside OFP as required by or permitted by law. For example, we may
share personal information to:
- Process an insured's OFP insurance policy;
- Process claims under an insured's OFP insurance policy;
- Provide information to insurance rate advisory organizations;
- Protect against fraud;
- Respond to a subpoena; or
- Otherwise service a person's policy.
OFP may work with companies or organizations outside of OFP to affect, administer or
enforce the provisions of a person's policy. Consequently, we may disclose any of the
personal information that we have collected about policyholders to those entities
necessary to carry out these provisions. For the protection of policyholders, we
require that these companies keep all personal information secure and confidential.
If you have any questions about this policy or would like more information, please
contact your local agent or the OFP office.
of their original policy form and sent yearly thereafter.