Privacy Policy
Chubb Insurance Company of Canada (Chubb¹) has been a trusted provider of insurance to Canadian companies and individuals
since 1928. Chubb has earned that trust in part by its careful treatment of the personal information2 that customers entrust to our3 care in order that we can serve their insurance needs. Chubb does not sell personal information and Chubb staff have been
trained to treat personal information carefully and with respect.
Further information about Chubb’s practices and policies with respect to its handling of personal information and compliance
with privacy laws follows.
Why Chubb Collects and Discloses Personal Information.
Chubb collects and discloses personal information only for the purposes of serving the insurance related needs of Chubb customers4 . Among other things, this includes evaluating, monitoring and assessing insurance needs, providing risk management services,
underwriting, rating, binding, and issuing insurance policies and providing all policy related or administrative services,
including loss control, compliance with regulatory requirements and claims investigation, adjustment and coverage assessment.
This also includes collecting and disclosing personal information about third parties with respect to claims made against
Chubb customers.
The Kinds of Personal Information Chubb Collects.
Chubb collects widely varying types of personal information. What we specifically collect depends on the particular purpose
for collection and the particular circumstances involved. Without limiting the generality of this and purely by way of example,
the type of personal information that Chubb may collect includes property descriptions, claims histories, driving records,
employment information, medical and health information and financial information
How Chubb Obtains Personal Information.
Most of the personal information collected by Chubb is provided to us by insurance brokers. We believe that we deal with the
most professional and respected brokers in the insurance industry.
Chubb also obtains personal information from various third party sources as part of the underwriting process. For instance,
when we underwrite automobile insurance, we may obtain credit information and a record of driving offences. We may also obtain
claims or underwriting information from other insurance companies or insurance industry sources. When we insure the directors,
officers, employees, representatives or contractors of a company, we may obtain personal information about those individuals
from the company. Chubb’s insurance brokers are responsible for obtaining the consent of our customers with respect to the
collection of such information. In some cases, Chubb and our brokers will infer such consent when appropriate. If an insurance
broker tells Chubb that we have a customer’s consent to collect information, we will rely on the broker’s advice.
Chubb and its affiliated companies collect personal information from a variety of sources in investigating, evaluating and
adjusting claims. Personal information required for claims purposes may be obtained from our customers, our customers’ insurance
brokers, or from third party sources. Chubb may collect such information directly or through insurance adjusters, private
investigators or lawyers representing Chubb or our insured. We require that only reputable and properly licensed insurance
adjusters and investigators investigate and adjust claims. Consent may be obtained by Chubb directly or through the broker,
an insurance adjuster, investigator or lawyer when personal information is collected for claims purposes. Consent may not
be obtained with respect to the collection of certain publicly available information. If the information is collected with
respect to an investigation involving the suspected breach of an insurance policy (or other agreement) or breach of Canadian
law, then consent may not be obtained.
Chubb’s Disclosure of Personal Information.
Chubb discloses personal information, including to its affiliated companies, only for the reasons listed above or if required
to do so by law. By way of example, in order to provide various claims services we frequently disclose personal information
to third party service providers and others. These would include (but are not limited to) insureds, insurance brokers, insurance
adjusters, windshield repair companies, automobile repair shops, contractors, construction companies, investigators, engineers,
accountants, lawyers, and others.
Similarly, Chubb may be required to disclose personal information in order to obtain further personal information that it
requires for underwriting purposes. For instance, a name and insurance policy number may need to be provided to another insurance
company to obtain a claims history.
We obtain consent to disclosure when required. Generally, consent to disclosure is obtained by the customer’s insurance broker
(this consent may be obtained when the customer applies for or renews the insurance policy), by Chubb or by the service provider.
Consent may also be inferred when appropriate. If an insurance broker tells Chubb that we have a customer’s consent to disclose
information, we will rely on the broker’s advice.
When Chubb discloses personal information to an approved investigative body (such as the Insurance Crime Prevention Bureau)
or when we believe that the information relates to the breach of an insurance policy or other agreement or Canadian law, or
when we are required by law to disclose the information, consent may not be obtained. Similarly, if personal information is
disclosed to a lawyer for claims purposes or to obtain legal advice, consent may not be obtained. When Chubb discloses data
containing personal information to insurance industry associations or service providers, the disclosure is subject to confidentiality
requirements.
How Chubb Ensures the Security of Personal Information.
Personal information recorded in documents is securely stored at Chubb’s offices and its employee’s offices in Canada and
at offices of Chubb’s affiliated companies. Electronically recorded information is stored on computer systems maintained by
Chubb and Chubb’s affiliated companies. Those computer systems and the information stored in them are protected by electronic
security systems.
Chubb and its affiliated companies restrict access to personal information and Chubb employees, contractors and representatives
are under obligation to access personal information only when they have a legitimate business need to do so. Chubb employees
receive training with respect to proper personal information handling practices and they are under obligation to comply with
privacy laws, this policy and related codes of conduct.
Chubb’s compliance with appropriate personal information practices and privacy laws is overseen by and is the responsibility
of our Chief Privacy Officer.
Accuracy and Access to Personal Information.
Chubb is committed to the accuracy of the personal information that it uses or discloses.
Upon written request and subject to the following (and any other reasonable conditions which may be necessary), we will provide
reasonable access to personal information exclusively to the individual to whom it refers. We will not provide access in any
of the following circumstances:
-
if doing so would likely reveal personal information about a third party;
-
if the information is subject to solicitor-client privilege;
-
if revealing the information would reveal confidential commercial information;
-
if revealing the information could affect the security of another person;
-
if the information relates to the actual or suspected breach of an insurance policy or other agreement or the breach of Canadian
law; or,
-
if the information was generated in the course of a formal dispute resolution process.
Internet Privacy Policy.
Chubb’s Privacy Policy with respect to the use of our websites is posted on those sites. Please refer to "Internet Privacy Policy".
Amendments.
Chubb may amend this policy from time to time at its discretion. A current version of the Privacy Policy (which should not
be confused with our Internet Privacy Policy) is always available on Chubb’s main website under "Privacy Policy".
Further Information.
Requests for further information, personal information access or complaints about Chubb’s handling of personal information
should be referred to Chubb’s Chief Privacy Officer, as follows:
Chubb Insurance Company of Canada
1 Adelaide Street East
Toronto, Ontario
M5C 2V9
Attention: Chief Privacy Officer
Telephone: 416-863-0550
Fax: 416-863-3144
--------------------------------------------------------------------------------
1The Canadian branch of Federal Insurance Company also complies with the applicable elements of this policy. Federal Insurance
Company is an affiliate of Chubb Insurance Company of Canada.
2Personal information means any information that identifies a specific individual, other than information found in a business
directory.
3"We", "our" and "us" refers to Chubb Insurance Company of Canada.
4"Customers" refers to individuals who are current and former policyholders and insureds or applicants for insurance.
|
