We Care About Your Security
EMC Insurance Companies* (collectively, “EMC”, “we”, “us” or “our”) understands that privacy is an important issue for visitors to our websites at www.emcins.com and www.countonemc.com. It is the policy of EMC to protect the personal 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 processed and shared once it is gathered.
EMC’s website consists of secure areas (Agent Access, Personal Policyholder Access, Commercial Policyholder Access, Legal Professionals Access, Independent Adjuster Access and All Retirees and EMCNL Employees Access) and public access areas. Secure areas require the correct login credentials before a visitor is permitted access. Public access areas, by comparison, are available to any visitor.
This site contains a number of links to other sites. EMC is not responsible for the security or privacy practices of these sites, the products or services offered by these sites, or the content appearing on these sites. EMC does not endorse any products or services marketed at these other sites.
Information Gathering and Use
Personal information that is provided to EMC via this website is gathered and maintained to provide users with the product or service requested, to service customer accounts, and provide insurance or insurance-related services. Personal information includes information that identifies, relates to, describes, or is reasonably capable of being associated or linked with or to a particular individual or household. Examples of such information may include, without limitation* :
* These categories of personal information are intended as examples only. EMC does not expressly state or imply that it actually contains such information about any individual, and it is possible EMC may not have any personal information.
Information can be provided to EMC via the website in a variety of ways including customer applications or other forms, customer transactions with EMC, consumer report agencies or insurance service providers, and prospective employees who apply for a position with EMC. The above listed personal information and ways of collecting this information are examples from this site and may not be all inclusive. EMC may preserve all information about you for as long as required or permitted by regulation or law.
Information provided will be used in the normal course of business to provide services to the user and enhance the user experience. Personal information may be shared with (1) our affiliated insurance companies, (2) EMC National Life Company and EMC National Life Marketing Services, LLC, and (3) select third parties as necessary to provide services to the user, or otherwise as required or permitted by law. These third parties may include but are not limited to:
EMC prohibits these third parties from using personal information collected through this website for any other activities and from further disclosing that information unless necessary to support the activities. EMC does not sell personal information or let its third parties do so. However, in the event of a merger, acquisition, asset sale or other transfer of company assets, reorganization, bankruptcy or similar event, personal information collected through this website may be transferred to or assigned to another entity, if permitted and done in accordance with applicable law, without your consent.
EMC does not collect personal information through its public access areas, except for the collection of contact information necessary to provide products or services to the requesting party. Some of the collected contact information is stored in a secured database and sometimes is used to generate reports that assist EMC in improving service. This contact information is not provided to anyone outside our company except to support products or services, and as requested.
To help us improve the content and services of our website, EMC gathers anonymous general technical 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 may gather such information through cookies, tags and other technologies as described in the “Cookies and Other Technologies” section below. EMC does not associate cookies to any individuals. For visits to our secure areas, the visitor’s login credentials are also collected.
Compelled Disclosure of Personal Information
There may be times when we are required by law to disclose the information that has been submitted via this website. Unless we are legally prohibited to do so, we will do our best to provide you with notice that a request for your information has been made to give you an opportunity to object to the disclosure. If you do not object or challenge the disclosure request, we may be legally required to turn over the information.
Information Confidentiality and Security
Access to EMC’s secure areas is restricted to authorized users: EMC’s agents, policyholders, legal professionals, independent adjusters, retirees and EMC National Life Company employees. These users are “authorized” after meeting certain identification criteria and are assigned login credentials for their secure-areas access. Personal information pertaining to applicants, policyholders, employees of commercial policyholders, beneficiaries and claimants is obtained from and displayed to our authorized users via secure communications through EMC’s secure areas. Authorized users are only permitted access to personal information that pertains to their applicable account(s).
To ensure secure communications over the Internet for all personal information, 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 authorized login credentials. 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. EMC uses reasonable technical and administrative safeguards to protect personal information during transmission and within our organization. However, no transmission of information over the Internet or method of electronic storage can be guaranteed to be 100 percent secure.
Cookies and Other Technologies
Cookies are small text files that a website loads onto a visitor’s hard drive or in temporary memory that enable the website to recognize the visitor’s browser, and capture common technical information, so the website can give the visitor additional functionality. Cookies are used for such functions as maintaining information between pages on the site, to securely maintain a session in password protected areas and for website analysis to improve the visitor’s experience. EMC does not associate cookies to any individuals or other personal information. For this analysis, we may utilize the following services:
EMC may use a tool called Google Analytics to collect non-personally identifiable information about how visitors interact with the website. Google Analytics employs cookies to collect statistical data, such as standard Internet log information (e.g. IP address) and visitors’ browsing actions and patterns. The anonymous information is used to compile reports for system administration to improve the website functionality.
Google Analytics uses only first-party cookies which means it will only use cookie data related to browsing behavior on a specific website for statistical analysis. Google Analytics reports website trends without identifying individual visitors. EMC does not combine the information collected through the use of Google Analytics with personal information.
For further details, please see the ‘about Hotjar’ section of Hotjar’s support site.
EMC obtains contact details and other personal information regarding media contacts and influencers from a variety of sources including Cision. If you wish to know more about how such information is collected and used, please refer to Cision’s privacy notice at www.cision.com/us/legal/privacy-policy.
EMC may use additional technologies which are similar to cookies, such as pixel tags, on its website and may permit our third-party service providers to use these technologies. A pixel tag, also known as a web beacon, clear GIF or pixel, is an invisible tag on a web page which generates a notice when you visit the page. Pixel tags usually work in conjunction with cookies, registering when a particular computer or device visits a specific page. If you turn off cookies, the pixel tag will only detect an anonymous website visit. These technologies, along with cookies, help EMC to improve our website functionality by tracking website usage.
This site may also use Local Shared Objects (sometimes called “Flash cookies”) which are data files that are created and stored outside of your browser on your computer or device. Adobe Flash Player allows Flash content embedded in web pages to create and read locally shared objects. Local Shared Objects are used to enhance your web-browsing experience. Local Shared Objects, by themselves, cannot access the data on your computer. Local Shared Objects will not be deleted when you clear cookies from your browser. Adobe Flash Player can help you manage or disable Local Shared Objects the same way you manage cookies in your browser.
EMC may use the geolocation feature of a mobile device to tailor our mobile site functionality to your location, such as when using the Find an Agent service. You can prevent the usage of a geolocation by managing your geolocation settings and permissions in your device settings.
Do Not Track
Third-Party Behavioral Tracking
We do not give permission to third parties engaging in online behavioral tracking to collect personal information about users’ online activities from this site.
Internet Privacy Notice Changes
Your continued use of this site after enhancements are made will be considered acceptance of those changes. We may terminate or suspend any function of this site. We may also impose limits on some functions or restrict access to any part of the site without notice or liability.
Your Personal Information
Personal lines policyholders and workers' compensation policies.
If you are an EMC personal lines policyholder or an individual associated with a workers' compensation policy issued by EMC, you may have certain rights with respect to accessing, deleting, and correcting your personal information. Those rights, and the instructions for exercising those rights, are described in the following notices. Please note we will follow strict procedures to verify your identity before providing this information to further protect your privacy.
Additional State Privacy Rights
For California Residents
Select the following link to view the EMC notice regarding:
For New Mexico Residents
Select the following link to view the EMC notice regarding:
For New York Residents
Select the following link to view the EMC notice regarding:
EMC does not direct products or services towards children under the age of 13. EMC does not intend to collect any information from children and requests no nonpublic, personally identifiable information be provided to us from children.
European Data Subjects
If you are a resident of the European Union and have a policy that is or was reinsured by EMC Reinsurance Company, you may have certain rights relating to your personal data. For that information, please see our GDPR Privacy Notice.
Email List Privacy (CAN-SPAM Act)
All subscriber lists for bulk emails, such as EMC’s online newsletter, are opt-in only. By voluntarily entering contact information, such as email address, phone number or physical address, on this site, you agree that EMC may communicate with you regarding the products and services we provide.
If at any time you would like to unsubscribe from receiving future emails, you can follow the unsubscribe instructions at the bottom of each email and we will promptly remove you from that bulk email list, or you can contact the privacy coordinator listed in the How to Contact Us section below regarding the removal of your personal contact information from our database.
How to Contact Us
If you have questions or concerns regarding this privacy notice, you may contact us by using one of the methods listed below. Remember to include, to the extent applicable, your name, address and the last four digits of your policy or claim number. If you are personal lines or workers' compensation policyholder or consumer, you may submit an online request form using the Policyholder Request Form below.
* EMC Insurance Companies is the trade name used by the following affiliated insurance and insurance service companies of which Employers Mutual Casualty Company is the lead company:
- Employers Mutual Casualty Company
- EMC Insurance Group Inc.
- EMC National Life Company
- EMC Property & Casualty Company
- EMC Reinsurance Company
- EMC Risk Services, LLC
- EMC Underwriters, LLC
- EMCASCO Insurance Company
- Dakota Fire Insurance Company
- Illinois EMCASCO Insurance Company
- Union Insurance Company of Providence
- EMC National Life Marketing Services, LLC