Privacy Statement

Important Notice — Effective June 17, 2002

California residents: please click here to read the Privacy Statement for California Residents

Countrywide North Light Specialty Privacy Statement

At North Light Specialty Insurance Company, we value you as a customer and share your concerns about privacy. To help you understand how we treat the nonpublic personal information ("customer information") that we obtain from you or other sources in the course of providing you with products and services, this notice describes our use and protection of that information.

Whether you're doing business with us through your local representative or broker, we want you to know that North Light Specialty respects your privacy and protects your information.

  • We do not sell customer information.
  • We do not share your customer information with persons, companies, or organizations outside of North Light Specialty that would use that information to contact you about their own products and services.
  • We expect persons or organizations that provide services on our behalf to keep customer information confidential and to use it only to provide the services we've asked them to perform.
  • Within North Light Specialty, we communicate to our employees regarding the need to protect customer information, and we've established physical, electronic, and procedural safeguards to protect customer information.

Below we've provided answers to questions that might be on your mind regarding privacy. You may be wondering:

What do we do with your customer information?

North Light Specialty does not sell your customer information, or medical information, to anyone. Nor do we share it with companies or organizations outside of North Light Specialty that would use that information to contact you about their own products and services. If that practice were ever to change, we would, of course, offer you the ability to opt out of this type of information sharing, and we would offer you the opt-out with time for you to respond before the change in our practice took place.

Your agent or broker may use customer information to help you with your overall insurance program. We may also communicate with you about products, features, and options you have expressed an interest in or that we believe may be of interest to you. We may, without authorization but only as permitted or required by law, provide customer information to persons or organizations both inside and outside of North Light Specialty to fulfill a transaction you have requested, service your policy, market our products to you, investigate or handle claims, detect or prevent fraud, participate in insurance support organizations, or comply with lawful requests from regulatory and law enforcement authorities. These persons or organizations may include: our affiliated companies, companies that perform marketing services on our behalf, other financial institutions with which we have a joint marketing agreement for the sale of our own products, and your agent or broker.

What kind of customer information do we have, and where did we get it?

Much of the customer information that we have about you comes directly from you. When submitting your application or request for insurance or other products and services we offer, or requesting an insurance quote, you may give us information such as your name, address, and Social Security number. We keep information about your transactions with our affiliates, others or us -- for example, the types of products and services you purchase from us, premiums, account balances, and payment history.

We also may collect information from outside sources, including consumer reporting agencies and health care providers. This information may include loss information reports, motor vehicle reports, credit reports, and medical information.

How do we protect your customer information?

When we share customer information with companies working on North Light Specialty's behalf, we expect those companies to use that information only to provide the service we have asked them to perform. Within North Light Specialty, customer information is available to those individuals who may need to use it to fulfill and service the needs of North Light Specialty customers. We communicate the need to protect customer information to all employees and agents, especially those individuals who have access to it. Plus, we've established physical, electronic, and procedural safeguards to protect customer information.

Finally, should your relationship with North Light Specialty end, your customer information will remain protected in accordance with our privacy practices as outlined in this Important Notice.

How can you find out what information we have about you?

You may request to either see, or obtain from us by mail, the customer information about you in our records. If you believe that information is incomplete or inaccurate, you may request that we make any necessary corrections, additions or deletions to the disputed customer information.

To fulfill your request, we may make arrangements with an insurance support organization or a consumer reporting agency to copy and disclose customer information to you on our behalf. You may also request a more complete description of the entities to which we disclose customer information, or the circumstances that might warrant such disclosures. Please send any of the requests listed above in writing to:
North Light Specialty Insurance Company
Customer Privacy Inquiries
PO Box 660598 Dallas, TX 75266-0598.

We hope you have found this Important Notice helpful. If you have any questions or would like more information, please don't hesitate to contact your North Light Specialty representative.

This notice is being provided on behalf of the following companies:
North Light Specialty Insurance Company