Privacy Statement for Insurance Consumers While seeking to provide affordable benefits for our policy holders, Skye Insurance Company wants you to know the privacy of your information is paramount to us. Ourservices are centered around creating a sense of security. When we present a quote or an insurance policy to a person, we request information about the people and property to which we are presenting a policy. This Privacy Notice discloses the information about you and your property (“personal information”) we gather, how we utilize your information, how we share your information, who we share it with, where we collect it, and how we protect your information.
The following terms within this notice can be used to refer to the insured(s) are: Customer, individual(s), retailer, merchant, claimant(s), insured(s) or client(s).
Highlights of This Notice:
• We collect personal information directly from you, your agent, and/or third parties.
• We will not share your personal information with third parties without your consent, including the sharing of your personal information with marketing companies. As we attempt to find coverage that meets your specific needs, we share your personal information with underwriters. Underwriters may need additional information to determine your coverage needs.
• We have safeguards in place to help prevent unauthorized use, access and disclosure of your personal information.
• You have the right to “Opt Out” of the sharing of your personal information at anytime by contacting your insurance agent at: pati@getskyeinsurance.com. You can also contact our customer service team at:
• Instances where you may not be able to “Opt Out” of sharing your personal information are situations where the federal government, state government, federal and/or state law enforcement agencies request your information for investigative purposes.
• If you have inquiries regarding the personal information we hold about you, you can contact us via pati@getskyeinsurance.com. You can also contact our customer service team at:
In the application process, you provide us with the majority of what we require. We might need to get in touch with you again to confirm what we have or to get more details. For instance, we might ask you to provide us with additional information over the phone, by email, or in writing. Furthermore, we may need to request information including but not limited to the following:
• Claim forms
• Enrollment forms
• Photographs
• Supporting documents such as service statements, tax documents, and etc. Basically any information necessary to effectuate coverage, and your coverage management needs.
• Information from consumer reporting agencies and other insurance support organizations to the extent permitted by law. This may include items such as credit history and credit-based insurance score.
• Your past insurance history, including information about your policies and claims, from insurance support organizations or your former insurers.
• Information regarding your property. We may obtain this through third-party reports and through a property inspection. We or an independent inspector may visit the property to inspect its condition, or we may use an unmanned aircraft system. We may obtain geospatial information and take pictures or video.
• Information from government agencies or independent reporting companies.
The information collected can include name(s), social security numbers, addresses, date of birth, phone number(s), gender, bank account information, and other sources of information about your physical or personal property.
How Your Personal Information is Used
In order to sell, underwrite, rate, service, and administer insurance; to handle claims; to develop and promote goods and services; to stop and identify fraud; to meet legal or regulatory obligations; and for other business needs and as permitted by law, we use the personal data we gather. Unless required by law to complete a desired transaction, we do not divulge the aforementioned personal information. We also follow industry standards as to how we communicate with third parties, and do share information beyond its stated purpose.
We might have to give our affiliates, non-affiliated third parties, or other parties—such as a policyholder's or contract-holder’s broker, third-party administrator, reinsurer, or company management team—personal information about our customers for a variety of business-related reasons. These disclosures may be sent to third parties to carry out administrative tasks on our behalf, assist us in managing or reviewing a claim, or in response to a request from a government agency or where we believe it is essential to safeguard our interests and help us provide superior product and services.
After you obtain insurance with us, we will keep records of your policy or policies. This may consist of, but is not limited to, information regarding bill payments, transaction or claim records and specifics, along with other relevant data.
When you give us a mailing address, email, or telephone number, you consent to beingcontacted by mail, email, or at that number, including if the number is for a cellphone or other wireless device. We may contact you in person, by recorded message, by the use of automated dialing equipment, by text (SMS) message, or by any other means your
device is capable of receiving, to the extent permitted by law and for reasonable business purposes, including to service your policy or alert you to other relevant information.
Additionally, we might disclose your personal information in order to defend our rights, privacy, safety, or property, as well as yours or others', to comply with legal requirements, or to address suspected fraud or other unlawful activity.
Confidentiality and Integrity Practices
We implement physical, electronic, and administrative measures intended to safeguard personal information. For instance, we restrict access to personal information and mandate that those with access use it solely for valid business purposes.
