About Us About Us

Privacy Policy

This policy was posted and is effective as of May 12, 2008.

At ICW Group, we value you as a customer. We understand and take seriously your concerns about your personal information. We want you to know we do not:

  • Sell your personal information.
  • We only share personal information as necessary to provide insurance services you have requested, to contact you about ICW products or as permitted by law.
  • We expect persons or organizations that provide services on our behalf to keep your information confidential. We also expect those persons or organizations to use your information only to provide the services we have asked them to perform.
  • We convey to our employees about the need to protect your information. We have established safeguards (these are physical, electronic and procedural) to protect this information.

Information we collect

In providing our products to you, we collect information about you and may share this data for routine business and legal reasons.

  • The types of personally identifiable information we collect may include your name, address, email address, telephone number, social security number, credit card or other payment information. Most of the data we collect about you comes from you, your application and/or your agent or broker.
  • We get data from your transactions with us. For example, the insurance you purchase, your account balances and your payment history.
  • We also get data from outside sources such as consumer reporting agencies and/or insurance support organizations. Some examples are claim history reports, motor vehicle reports and/or credit reports.

Information we share

ICW Group may disclose the following information on current or former policy holders:

  • We may share data about you with affiliated companies for regulatory and marketing purposes.
  • We may share your personally identifiable information with insurance support organizations which may provide motor vehicle reports, credit reports or claims history to other insurance organizations.
  • We may share your personally identifiable information with insurance agents or brokers, reinsurance companies and claims administrators.
  • We may share your name, address and specific insurance data to nonaffiliated companies including auto repair shops, medical providers, or others providing services that may be covered by your applicable insurance policy.
  • We may give your personally identifiable data to insurance regulators and law enforcement authorities.
  • We may share your personally identifiable data with other non-affiliated companies:
    • To group policy holders for the purpose of reporting claims experience or conducting an audit.
    • To a professional peer review organization for the purpose of reviewing the services or conduct of a medical-care institution or medical professional.
    • To report on your account activity to a credit bureau.
  • We may share your personally identifiable information with the lienholder, assignee, lessor or other person shown on our records as having a beneficial or legal interest in the policy.
  • We may share your personally identifiable information to prevent fraud or comply with a subpoena or a search warrant
  • We will release information upon written authorization by the insured which must include a date and signature.

Affiliated Companies

ICW Group reserves the right to disclose nonpublic financial information to an affiliated company for marketing purposes without obtaining prior written authorization. The law does not restrict these disclosures.

Practices to protect confidentiality and security

We have put in place appropriate physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access, maintain data security, and correctly use the information we collect online. Only employees and service providers who need to see your information have access and then only to the extent necessary. Payments made online through online pay are protected using a 128 bit SSL encryption.

How to correct personally identifiable information

To change personally identifiable information you will need to sign into your Online Payment account and access the "Change Personal Information" page. You can then edit the fields as necessary. Correction requests can also be sent in writing to your individual agent or broker.

Corrections will be completed within 30 days of the request or a notice will be sent explaining why the correction will not be completed, the reasons for the refusal and a right to file a statement with us setting forth what you think is correct and a concise statement of the reasons why you disagree with our refusal.

How to request recorded personally identifiable information

You may send a written request to your agent or broker requesting access to recorded personal information which you reasonably describe and is reasonably locatable and retrievable by us. We may charge a reasonable fee to cover the costs in providing this record.

Cookies & Web Beacons

To enhance your experience with our sites, many of our web pages use "cookies". Cookies are text files we place in your computer's browser to store your preferences. Cookies, by themselves, do not tell us your e-mail address or other personally identifiable information unless you choose to provide this information to us by, for example, registering at one of our sites. However, once you choose to furnish the site with personally identifiable information, this information may be linked to the data stored in the cookie.

We use cookies to understand site usage and to improve the content and offerings on our sites. For example, we may use cookies to personalize your experience at our web pages (e.g., to recognize you by name when you return to our site), save your password in password-protected areas, and enable you to use shopping carts on our sites. We also may use cookies to offer you products, programs, or services.

"Web beacons" or clear .gifs are small pieces of code placed on a web page to monitor the behavior and collect data about the visitors viewing a web page. For example, web beacons can be used to count the users who visit a web page or to deliver a cookie to the browser of a visitor viewing that page. We may use web beacons on this site from time to time for this and other purposes.

Collection of information by Third-Party Sites

Some of our sites contain links to other sites whose information practices may be different than ours. Visitors should consult the other sites' privacy notices as we have no control over information that is submitted to, or collected by, these third parties.

Changes to Privacy Policy

This Notice will be provided when we first write your policy and annually thereafter.

From time to time, we may update this privacy statement. We will notify you about material changes in the way we treat personally identifiable information by placing a notice on our site. We encourage you to periodically check back and review this policy so that you always will know what information we collect, how we use it, and to whom we disclose it.

You may also request a copy by contacting your individual agent or broker.