Legal Notice & Privacy Policy

Legal Notice

Details and statements contained in this website, www.icwgroup.com, are provided solely for informational purposes and are not intended to be a solicitation or an offer to sell any insurance product or service.

The information provided is not a complete description of such products or services. All coverages are subject to the terms, conditions and exclusions of the actual policy issued.

Please contact an independent insurance agent or broker who represents ICW Group to discuss specific coverage details and your insurance needs. Not all policies or coverages are available in every state.

Off-site URL Linking

Any links or URL addresses to other web sites not controlled by ICW Group are provided as a convenience only; ICW Group does not author, monitor or control these independent sites. Therefore, we do not approve, endorse or certify any information or content of those sites or of their advertisers. ICW Group is not responsible for the content or accuracy of any external web site.

Trademark Use

The trademarks, logos and service marks ("Marks") displayed on the website are owned by Insurance Company of the West and may not be used without permission.

Privacy Policy

At ICW Group, we value you as a customer. We take your personal privacy seriously.

Information we collect

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

Information we share

ICW Group only shares your personal information as allowed by law. We will release your information with a written request signed and dated by you.

We may share your information with:

Affiliated Companies

ICW Group reserves the right to share your nonpublic financial information with its affiliates for marketing purposes without getting your prior written consent. The law does not restrict these disclosures. ICW Group affiliates include Insurance Company of the West, Explorer Insurance Company, Explorer American Insurance Company and VerTerra Insurance Company.

Practices to protect confidentiality and security

We have physical, electronic, and procedural safeguards to protect your information. We only share your information with employees and service providers who need to see it. Their use of your information is limited by law and written agreements, where appropriate. Payments made online are protected using at least 128 bit SSL encryption.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your information, we cannot guarantee the security of your information transmitted to our website. Any transmission of information is at your own risk.

How to correct personally identifiable information

To change personally identifiable information you will need to sign into your Online Payment account. After signing in you can access the "Change Personal Information" page. You can then edit the fields as necessary. You may also send correction requests to your agent or broker.

Corrections will be completed within 30 days of the request. If a change cannot be made we will send you a notice explaining why the correction will not be completed. You have the right to file a statement telling us what you think is correct and 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 asking for a copy of any recorded personal information. The request must describe the recording you are requesting. If we can reasonably locate and retrieve the recording it will be provided. 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.

Tracking

ICW Group may use common tracking technologies like browser cookies or analytical tools to enhance your overall customer experience. We may also collect non-personally identifiable demographic information (such as city/state location) about the visitors to our site. Beyond aggregate information regarding number of site visits, we do not track visitors to our sites. We do not have the necessary technology to respond to Web browser "do not track" signals or other, comparable mechanisms.

If you click on a link to a third party site, you will be taken to websites we do not control. This policy does not apply to the privacy practices of that website. Read the privacy policy of other websites carefully. We are not responsible for these third party sites.

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

We may update this privacy statement from time to time. You may also request a copy by contacting your underwriter.

Last updated on March 20, 2017.