EMC Insurance Companies Internet Privacy Notice
EMC Insurance Companies* (EMC) understands that privacy is an important issue for visitors to our website at emcinsurance.com. It is the policy of EMC to protect the nonpublic, personally-identifiable information of our customers and to keep this information secure and confidential. The following explanation is provided to help our website visitors understand what information is gathered through our site and how that information is handled and used once it is gathered.
EMC’s website consists of secure areas (Agent Access, Policyholder Access, Business Partner Access and Employee Access) and public access areas. Secure areas require the correct user-id, department number and password before a visitor is permitted access. Public access areas, by comparison, are available to any visitor.
Secure Areas
Access to EMC’s secure areas is restricted to EMC’s agents, policyholders,
business partners and selected EMC employees. Individuals within these groups
are “authorized” after meeting certain identification criteria and are assigned
individual user-id’s, department numbers and passwords for secure areas access.
Nonpublic, personally-identifiable information pertaining to applicants,
policyholders, employees of commercial policyholders, beneficiaries and
claimants is obtained from and displayed to our authorized users through secure
communications via EMC’s secure areas. Such information is obtained and
displayed as part of the insurance application, underwriting, claims,
administration and/or servicing processes. Authorized users are not permitted
access to nonpublic, personally-identifiable information that does not pertain
to their applicable account(s). For information on how nonpublic,
personally-identifiable information is used, refer to the following notices:
(Click on the following links to view the notices in PDF format.)
- Personal Lines Privacy Notice
- Privacy Notice - California
- Workers’ Compensation and Group Benefits Privacy Notice
To insure secure communications over the internet for its secure areas, EMC uses Secure Socket Layer (SSL) encryption technology to protect transmitted information from being intercepted while it is in transit over the internet. Access to EMC’s secure areas requires proper authentication through the entry of correct user-id’s, department numbers and passwords. The system requires passwords to be changed several times a year. Once confidential information is gathered and stored within EMC’s systems, it is protected by firewalls and other access control systems and processes to keep it secure from unauthorized access.
Public Access Areas
EMC does not collect or display nonpublic, personally-identifiable information
through its public access areas, except for the collection of contact
information as part of our Safety Signs, Safety Videos and Tech Sheets services.
Contact name, address, etc. are collected so that the requested materials can be
delivered to the requesting party. The data is encrypted using SSL to protect it
during transmission. Some of the collected contact information is stored in a
secured database where it is used for reports that assist us in improving this
service to our commercial policyholders. This contact information is not
provided to anyone outside our company except as necessary to deliver
safety-related materials as requested.
Website Visitor Data
To help us improve the content and services of our website, EMC gathers data
from each site visit. This data allows us to determine how many people visit our
website, when they visit, what pages they visit, how long they stay and the
website from which they connected to our website. We do not collect nonpublic,
personally-identifiable information from visits to our public access areas. For
visits to our secure areas, we do collect the visitor’s user-id and information
on the services each visitor uses while logged onto our secure areas. This
information helps us specifically target improvements to meet our secure areas
users’ needs.
Cookies
Cookies are small text files that a website loads on a visitor’s hard drive or
in temporary memory so the website can give the visitor additional
functionality. EMC does not use cookies to obtain nonpublic,
personally-identifiable information. EMC does not load cookies on a visitor’s
hard drive. For some of our website’s services, we will load a cookie containing
a session ID into the visitor’s temporary, personal computer memory. The session
ID allows us to keep track of visitor’s transactions within a given service so
that the correct responses are presented to the visitor’s browser. The cookie
goes away when the visitor closes his/her browser. Nonpublic,
personally-identifiable information is not involved in this process.
Hyperlinks
EMC’s website contains hyperlinks (links) to other websites, and other websites
may link to this website. Websites that link to and from EMC’s website may have
different privacy practices from those of EMC. The privacy practices described
in this notice apply solely to this website. Visitors to our website should read
the privacy policy statements of the other websites they visit, understanding
that those policies do not apply to this website and that EMC’s policy does not
apply to other websites.
Internet Privacy Notice Changes
From time to time, EMC may make changes to this notice. Visitors should revisit
this notice periodically to learn of any change in our internet privacy policy.
How To Contact Us
If you have questions or concerns regarding this privacy notice, you may use
one of the following methods to contact us. Remember to include, to the extent
applicable, your name, address and policy or claim number.
Privacy Coordinator
EMC Insurance Companies
P.O.Box 712
Des Moines, Iowa 50303-0712
e-mail:
privacycoordinator@EMCIns.com
* EMC Insurance Companies is the trade name used by several affiliated insurance companies and insurance service corporations of which Employers Mutual Casualty Company is the lead company. This notice is applicable to and made on behalf of the following affiliated insurance companies:
- Employers Mutual Casualty Company
- EMC Property & Casualty Company
- EMCASCO Insurance Company
- Dakota Fire Insurance Company
- Illinois EMCASCO Insurance Company
- EMC Reinsurance Company
- Union Insurance Company of Providence
- Hamilton Mutual Insurance Company
All of the above listed affiliated insurance companies will be bound by the statements made herein.
9-16-2005
