Privacy Policy Notice

Brown & Brown Insurance of Georgia, Inc.

PRIVACY POLICY NOTICE

PURPOSE OF THIS NOTICE

As a valued customer of ours, we respect the trust that you have placed in us and we continuously strive to earn and maintain that trust.  We understand the importance of protecting the confidentiality and security of your nonpublic personal information. 

In order to provide you with top-quality insurance products, and with the service you deserve, it is necessary for us to collect nonpublic personal information about you and, in certain situations, to share that information with others. Title V of the federal Gramm-Leach-Bliley Act (“GLBA”) generally prohibits us from sharing nonpublic personal information about individuals who obtain products or services from us for personal, family or household purposes with a nonaffiliated third party unless we provide such individuals with this notice of our privacy policies and practices describing the type of information that we collect about you and the categories of persons or entities to whom that information may be disclosed.  Therefore, we are providing you with this document, which describes our policies and practices with respect to your nonpublic personal information.  We will, of course, also adhere to any privacy law requirements of your State that are not addressed in this document.

This privacy policy applies to our relationship with you if you are an individual who obtains products or services from us for personal, family or household purposes.

OUR PRIVACY POLICIES AND PRACTICES

Information We Collect

We may collect nonpublic personal information about you and the members of your household in order to conduct our business operations, provide customer service, offer new products, and satisfy legal and regulatory requirements.  We may collect the following categories of such information from the sources noted below:

- information that we receive from you directly, including information required for the completion of applications, worksheets, questionnaires, claim forms or other documents (such as your name, address, social security number, driver’s license number, amount of coverage requested, and beneficiaries);

- information about your transactions with us, our affiliates or others (such as your policy coverage, premiums and payment history);

- information that we receive from a consumer protection agency (such as motor vehicle reports or other information about your creditworthiness and credit history);

- information we receive from medical records or medical professionals;

- information from other sources, including persons other than the individuals proposed for coverage (such as prior loss information and demographic information);

- information about your personal health, such as information regarding your health history, or an accident, disability or injury,  which may be required by an insurance provider for underwriting or claims purposes; and

- information that we receive when you visit us through the Internet (such as your e-mail address, or information provided through online forms that you complete).

 Information We May Disclose and Parties to Whom Disclosures May Be Made

          We do not disclose nonpublic personal information about you to any affiliated or nonaffiliated third parties, except as permitted by law.  Disclosures which are permitted by law include, but are not limited to, disclosures which are necessary to procure, service and renew your policy, to assist you with the reporting of claims, and to process transactions that you request.  In the course of our general business practices, we may disclose the information that we collect (as described above) about you or others without your permission to the following types of institutions for the reasons described:

-to a third party if the disclosure will enable that party to perform a business, professional or insurance function for us;

-to an insurance institution, agent, or credit reporting agency in order to detect or prevent criminal activity, fraud or misrepresentation in connection with an insurance transaction;

-to an insurance institution, agent, or credit reporting agency for either this agency or the entity to whom we disclose the information to perform a function in connection with an insurance transaction involving you;

-to a medical care institution or medical professional in order to verify coverage or benefits, inform you of a medical problem of which you may not be aware, or conduct an audit that would enable us to verify treatment;

-to an insurance regulatory authority, law enforcement, or other governmental authority in order to protect our interests in preventing or prosecuting fraud, or if we believe that you have conducted illegal activities;

-to a group policyholder for the purpose of reporting claims experience or conducting an audit of our operations or services; or

-to an actuarial or research organization for the purpose of conducting actuarial or research studies.

In addition to those circumstances listed above, and unless you tell us not to, we may disclose certain information about you to third parties whose only use of the information will be for purposes of marketing a product or service. Under no circumstances will we disclose for marketing purposes any medical information; information relating to a claim for benefit or to a civil or criminal proceeding involving you; or personal information relating to your character, personal habits, mode of living or general reputation.

Information from Credit Reports or Investigative Consumer Reports

          If you authorize us to do so, we may obtain information about you from credit reports or other investigative consumer reports prepared by third parties at our request.  If you authorize us to request such information and we do request such information, you should be aware that:

- you have the right to request to be interviewed in connection with the preparation of such a report;

- upon request, you are entitled to receive a copy of the report; and

- the information obtained from the report prepared by the third party may be retained by the third party and disclosed to other persons.

Your Right to Access and Amend Your Personal Information

You have the right to request access to the personal information that we record about you.  Your right includes the right to know the source of the information and the identity of the persons, institutions or types of institutions to whom we have disclosed such information within two years prior to your request.  Your right includes the right to view such information and copy it in person, or to request that a copy be sent to you by mail (for which we may charge you a reasonable fee to cover our costs).  Your right also includes the right to request corrections, amendments or deletions of any information in our possession.  The procedures that you must follow to request access to or an amendment of your information are as follows:

To obtain access to your information:  You should submit a request in writing to our office.  The request should include your name, address, social deletion, or that security number, telephone number, and the recorded information to which you would like access.  The request should state whether you would like access in person or a copy of the information sent to you by mail.  Upon receipt of your request, we will contact you within 30 business days to arrange providing you with access in person or the copies that you have requested.

To correct, amend, or delete any of your information:  You should submit a request in writing to our office.  The request should include your name, address, social security number, telephone number, the specific information in dispute, and the identity of the document or record that contains the disputed information.  Upon receipt of your request, we will contact you within 30 business days to notify you either that we have made the correction, amendment or we refuse to do so and the reasons for the refusal, which you will have an opportunity to challenge.

Confidentiality and Security of Your Nonpublic Personal Information

We have policies in place concerning the importance of maintaining the confidentiality and security of your nonpublic personal information, and we require our employees to comply with these policies.   Access to such information is allowed for business purposes only.  We do not sell any such information to mailing list companies or mass marketing companies.

Changes to Our Policy

          We may choose to modify this policy at any time.  We will notify customers of such modifications at least annually.

Again, we appreciate your business, and the privilege of assisting with your insurance needs.  If you have any questions about this notice, please contact us at 770-512-5000 and we will be happy to assist you.