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Privacy Notice Introduction

Empire Insurance Companies’ (Empire) Commercial Lines Privacy Notice for its United States customers is available below. Empire encourages you to read it. You will also want to read below to understand how Empire uses information that may be obtained from you when you electronically access the empireinsurancecompanies.com web site.

When you access our web site, you may provide information to Empire. The information that is collected online is used only for the following purposes: to facilitate your requests, process any transactions you might initiate, or update your account information, except as otherwise provided in our Commercial Lines Privacy Policy. 

Empireinsurancecompanies.com does not use "cookies" to collect information for distribution to third parties for any purpose, nor does it use "cookies" to secure information from other web sites you may visit.

A Note About Hyperlinks: As explained in the Empire Terms of Use, Empire Insurance Companies assumes no responsibility or liability for the content of any web site linked to Empireinsurancecompanies.com.

COMMERCIAL LINES PRIVACY NOTICE 

Applicable to Empire Insurance Companies United States Customers 

We value the trust of our policyholders and others with whom we do business. This Privacy Notice will provide you with our policy regarding the collection and protection of nonpublic personal information of our present and former policyholders. The member companies of Empire Insurance Companies which are listed below are committed to protecting the privacy and security of nonpublic personal information collected in order to provide quality products and services to our United States policyholders and former policyholders. 

This Empire Insurance Companies information policy contained in this Notice applies to information collected in connection with products for business, commercial or agricultural purposes and do not apply to information collected in connection with products primarily for personal, family or household purposes.

Categories of Nonpublic Personal Information We Collect
We may collect certain nonpublic personal information when underwriting, administering or servicing an insurance policy, or in handling a claim. It may be collected from such persons or organizations as our affiliates, independent insurance agents or brokers, a policyholder, a claimant, or a claimant's employer. We may collect nonpublic personal information from persons who witnessed incidents, or persons retained by a claimant or by us in the process of administering or servicing a policy, or handling a claim. Such people might include physicians, attorneys, accountants, repair shops, consumer reporting agencies, and appraisers as permitted or required by law.

Information that may be collected includes, but is not limited to, an individual's name, address, telephone number, social security number, motor vehicle reports, policy number, premium and/or premium payment history, medical history and credit reports. We also may collect from a claimant the claimant's name, address, telephone number, social security number, claim number, date of loss, type of loss, cause of loss, and the value of claim.

We may also collect nonpublic personal information when you use our corporate web sites. 

Categories Of Nonpublic Personal Information We Disclose
Nonpublic personal information may be shared with affiliated and nonaffiliated third parties in order to administer or service an insurance policy or a claim, and as otherwise permitted or required by law. Our affiliates include insurance companies, service companies, investment companies, brokers/dealers, and other providers of financial products and services. Examples of unaffiliated third parties include an independent insurance agent or broker, the policyholder, persons or organizations retained to assist in the administration of policies and/or claims (such as appraisers, repair shops and medical providers), insurance support organizations, reinsurers, companies we have joint marketing agreements with, and others as permitted or required by law. 

Categories of Nonpublic Personal Information Usage
We use nonpublic personal information to underwrite, administer or service a policy, administer a claim, or in connection with billing charges and as otherwise permitted by law. Nonaffiliated third parties that may receive or have access to our nonpublic personal information are not authorized to use such information for any marketing purposes except as permitted by law. They may not copy or disclose nonpublic personal information to any other party and may use it only for the purpose of performing their responsibilities to us, or one of our policyholders, or claimants and as otherwise permitted by law. 

Security of Nonpublic Personal Information
We control access to nonpublic personal information to those who need access to provide products and services to policyholders and to others as permitted or required by law. We maintain physical, electronic, and procedural safeguards to better protect against the misuse of nonpublic information under our control.

Modifications to our Privacy Policy
We reserve the right to change our privacy policies in the future, which could include sharing nonpublic personal information with nonaffiliated third parties for purposes other than as stated in this notice. We will provide you a revised privacy notice before we do that. Additional copies of the Privacy Notice may be obtained by submitting a written request to the following address: Empire Fire and Marine Insurance Companies, Privacy Coordinator, Corporate Legal Department, 13810 FNB Parkway, Omaha, NE 68154-5202. 

Privacy Notices from Other Empire and Zurich Financial Services Affiliates
Empire Insurance Companies customers may receive other privacy notices from other business units, companies, affiliates and subsidiaries of Empire Insurance Companies or Zurich Financial Services. The terms of this Privacy Notice do not modify, revise, or amend the terms of other privacy notices received from other business units, companies, affiliates or subsidiaries of Empire Insurance Companies or Zurich Financial Services.

Empire Fire and Marine Insurance Companies Member Insurance Companies 
Empire Fire and Marine Insurance Company13810 FNB Parkway Omaha, Nebraska 68154-5202Licensed in: All states including DC, excluding OK.

Empire Indemnity Insurance Company13810 FNB ParkwayOmaha, Nebraska 68154-5202Licensed in: OK

Not all products and services are provided by all insurance companies in all states and are not available in a state in which an insurance company is not licensed, except as otherwise permitted by law.