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Privacy Policy

About This Policy

WorkCompOne is committed to protecting your privacy and maintaining your trust. The following describes the personal information we collect about you, how we use it and the measures we take to protect it. This replaces any earlier versions we may have given to you. - UPDATED 9/27/12

Summary

This section summarizes our privacy practices. For more detail, please read the entire privacy policy.

  • We gather information from you, your transactions with us, and outside sources.
  • We use your information only to conduct our business and provide insurance to you.
  • We will share your information with your selected agent or broker.
  • We limit access to your information and use safeguards to help protect it.
  • You may review and correct your information.

What information do you collect about me?

We collect information about you to quote and service your insurance policy. This is called "Nonpublic Personal Information" if it identifies you and is not available to the public. Depending on the product, we collect it from some or all of the following sources. We have provided a few examples for each source, but not all may apply to you.

  • Application Information: You provide this on your application, by phone, or online. We may also obtain it from directories and other outside sources. It includes your name, street and email addresses, phone number, Social Security number and/or EIN, business entity type and information about your employees and payroll.
  • Transaction Information: This is information about your transactions with us, our affiliates, or others. It includes your insurance coverages, limits and rates, and payment and claims history. It also includes information that we require for billing and payment.
  • Website information: This information is unique to Internet transactions. It includes the website that linked you to ours, your computer operating system, and the pages you viewed on our site. Some websites, including ours, may also store "cookies" on your computer. Cookies collect technical data, like your Internet protocol (IP) address, operating system, and session ID. They can also save certain information entered by you.

Who might get information about me from you?

We will share information about you only as permitted by law. We will not share your Nonpublic Personal Information with other companies for their marketing purposes without your consent. There is no need to "opt out" or tell us not to do this.

Disclosures include those that we feel are required to provide insurance claims or customer service, prevent fraud, perform research or comply with the law. Recipients include, for example, our family of insurance companies, claims representatives, service providers, consumer reporting agencies, insurance agents and brokers, law enforcement, courts and government agencies. These parties may disclose the information to others as permitted by law. For example, Consumer reporting agencies may disclose Transaction Information received from us to other insurance companies with which you do business.

Where permitted by law, we may also disclose Application or Transaction Information to service providers that help us market our products. These service providers may include financial institutions with which we have joint marketing agreements.

How do you protect my information?

We restrict access to your Nonpublic Personal Information to our employees and others who we feel must use it to provide our products and services. Their use of the information is limited by law, our employee code of conduct, and written agreements where appropriate. We also maintain physical, electronic and procedural safeguards to protect your information.

What about information I post in your support community?

WorkCompOne.com is both an online insurance agency and a community. We allow website visitors to interact in online public spaces in our community. Please use common sense and good judgement when posting in these community spaces or sharing your personal information with others on WorkCompOne.com. Be aware that any personal information you submit there can be read, collected, or used by others, or could be used to send you unsolicited messages. WorkCompOne generally does not remove content from community spaces, and your posts may remain public. You are responsible for the personal information you choose to post in community spaces on WorkCompOne.com.

How can I review and correct information you have about me?

To review information we have about you, send a written request to Customer Service, 44 Clinton Street, Hudson, Ohio 44236. You must describe the kind of information you want to review and state that your request is in response to this Privacy Policy. Include your full name, mailing address, and policy number (if applicable). Within 30 business days, we will describe what is available and how you may request corrections. We will also name anyone we show as having received the information within two years prior to your request. Finally, we will identify the companies that have provided Consumer Report Information about you. You may review the information at our offices or receive a copy of it for a fee to cover our costs. We will not provide information that we feel is privileged, such as information about insurance claims or lawsuits.

Do I have control over my information?

To correct information about you, send a written request as described above, explaining your desired correction. Within 30 business days, we will either make the requested correction or tell you why we will not. We cannot correct Consumer Report Information, such as your credit report. To do this, you must contact the consumer reporting agency that provided it. If we make your requested correction, we will notify you in writing. We will also notify anyone named by you who may have received the information within the previous two years. If required by law, we will also notify others who may have given it to or received it from us. If we refuse to make the requested correction, you may file with us a concise written statement about why you object, including the information you think is correct. Your statement will then become part of your file. It will be sent to the same persons to whom we would send a copy of any correction or change.

Is there additional information for website visitors?

Yes. When you visit our websites, we use the information we collect to provide services to you. We use website information to help understand what you want so that we can enhance your online experience. For example, if you start an insurance quote on our website, but decide to finish it later, we will save your information so you can pick up where you left off.

We also use website information to analyze use of our websites. Information that does not identify you, or that you give us for contests and surveys, may be used for marketing purposes. This site uses ClickTale web analytics service. ClickTale may record mouse clicks, mouse movements, scrolling activity as well as any text you type in this website. ClickTale does not collect personally identifiable information that you do not voluntarily enter in this website. ClickTale does not track your browsing habits across web sites that do not use ClickTale services. For more information see Privacy Policy for Information Collected by the ClickTale Web Analytics Service. We are using the information collected by ClickTale service to optimize our website in order to create a more desirable user experience. You can choose to disable the Service at http://www.clicktale.net/disable.html.

We advertise on other companies' websites. Some of these sites may use cookies and web beacons when you click on or move your cursor over our ads. This technology will transmit non-personally identifiable information about you to us or our service providers. We use the information to analyze our marketing efforts.

We may use advertising companies to display our ads on websites. These companies may use non-personally identifiable information about your visits to websites, together with non-personally identifiable information about your purchases and interests from other online and offline sources, to provide ads about goods and services of interest to you. In addition, we may share website usage information with these companies to manage and target ads and for market research. We and our ad companies may note some of the pages you visit on our site through Web beacons. While serving ads to this site, our ad companies may place or recognize unique cookies on your computer.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to reject all cookies. In most cases, you can do this by changing the settings on your browser (e.g., Internet Explorer, Google Chrome, Mozilla Firefox, etc.). Each browser is a little different, so look at your browser's "Help" menu to learn how to modify its settings to reflect your cookie preferences. However, if you choose to reject cookies, you may not have access to many features that make your Web experience smoother, and some of our services may not function properly. Flash cookies may be managed using the Adobe Flash PlayerTM Settings Manager available at www.adobe.com.

Why do you ask for my email address?

When you quote or buy insurance on our website, we collect your email address so that we can send you emails concerning your transactions with us, and other information we think you'll find useful. Some of these messages are required, service-related messages for policyholders. Examples of service-related messages include, but are not limited to: a welcome/confirmation email when you complete a quote application, notification of a purchased policy, or correspondence with WorkCompOne’s support team. These messages are not promotional in nature. You may not opt-out of receiving service-related messages from WorkCompOne, unless you are no longer a customer.

Other messages are not required and you can control which optional messages you choose to receive by changing your settings in your account. For example, as a policyholder, WorkCompOne may also send you messages related to certain features on the site or your activity. WorkCompOne may also send you news or updates about changes to our site or services. By default, policyholders will receive these messages via email, but you may choose to opt-out of getting certain emails under your account settings.

WorkCompOne may also offer optional email newsletters. You must opt-in or subscribe to begin receiving newsletters, and subscription is available to both customers and non-customers. You may subscribe or unsubscribe from optional newsletters under your subscription settings or by following the instructions contained in the newsletter emails.

To ensure you get our emails, our service provider or we may receive confirmations when you open them or click through email links. These confirmations may also show whether your email application supports graphics, so we can tailor our messages to you. We will share your email address with your selected agent or broker.

We will not share your email address with other companies for their marketing purposes without your consent.

What about website security?

Our security measures help ensure that your data is secured and encrypted, so that others cannot access it while in transit. We limit access to our servers and require our employees to adhere to high standards of ethics and integrity in performing their jobs. We use a secure server and security protocol to safeguard information you provide during the purchase process. Our secure server uses a Secure Sockets Layer (SSL) to interact with you when you provide personal information during the purchase process. We handle your information via 256-bit encryption. Every secure page on our websites has a digital certificate by RSA Data Security/Secure Server CA. This is shown via the site certificate that resides on all secure pages. To view it, click on the image of the "closed lock" or the "solid key" on the bottom of your browser window. A small frame displaying security information will appear. Click on "subject" to verify that you are on our site. Click on "Issuer" to verify the site certification authority.

What about links to other websites?

Our website contains links to other sites that are not ours. These links are solely for your convenience. We make no warranties or representations about other websites. We recommend that you read the privacy and security policies of these sites.

What does the technical jargon mean?

Cookie: A small text file saved in your computer when you access certain Web pages. Cookies identify you to the website that gave you the cookie.

Digital certificate: A small file that can be transferred to your computer and used for authentication. Once installed, it can be automatically used as needed.

Internet protocol (IP) address: A string of numbers that are translated into a domain name.

Operating system: The program responsible for overseeing the basic hardware resources of a computer. UNIX, DOS, Windows, and Macintosh System 7 are examples of operating systems.

Secure server: A computer system set up to provide privacy, integrity, and authentication in communications. (See SSL).

Security protocol: A specification that describes how computers will talk securely to each other on a computer network.

Secure Sockets Layer (SSL): A protocol that delivers server authentication, data encryption, and message integrity. SSL encrypts Internet communications.

Session ID: The code used to keep track of a person as they interact with a server. Site certificate: This is the same as a digital certificate, but it is used on the server rather than at the browser.

128-bit encryption: A way of making data unreadable to everyone except the receiver. It is a common way of sending credit card numbers and data over the Internet. It is used by SSL.

Web beacon: Also called a Web bug, pixel tag or clear GIF, a Web beacon is a clear graphic image placed in Web pages. Web beacons are used in conjunction with cookies to monitor user activity on a website.