Legal - Privacy Policy

BHTP Respects Your Privacy



Why Do We Collect, Hold, Use, and Disclose Personal Information? 

We collect, hold, use and disclose personal information so that we can provide you with products and services including: 

  • Arranging and administering insurance 
  • Risk analysis and underwriting 
  • Adjustment of claims, including investigation and settlement 
  • Accounting and auditing 
  • Complaint and dispute handling 
  • Legal, regulatory and compliance purposes 
  • Direct marketing (see below for opt-out information) 

Without your personal information, we may not be able to issue or administer your insurance policy, answer your questions or concerns, or process your claim. 



What Types of Personal Information Do We Collect and Hold? 

We collect and hold a range of personal information from and about individuals who are insured, or have submitted a claim, under our insurance policies. Depending on the products or services we are providing to you, we may collect and hold the following information about you: 

General identification and contact information, which may include some or all of the following information: 

  • Name 
  • Address 
  • E-mail address 
  • Telephone number(s) 
  • Gender 
  • Nationality 
  • Marital status 
  • Number of dependents 
  • Date of birth 
  • Place of birth 
  • Financial information and account details to enable us to underwrite insurance for you and process payments to or from you or your agent 
  • Employment, health, and/or motor vehicle records of commercial insureds’ employees for underwriting and claims purposes 
  • Medical information regarding injuries and treatment 
  • Recordings of telephone calls to our representatives and to call centers operated on our behalf 

We will only collect information for the purposes outlined above. 



How Do We Collect and Hold Personal Information? 

Where it is reasonable and practicable to do so, we collect personal information directly from you or from your representative. This information may be collected using various means including in writing, in person, by telephone, by email or through other electronic messages. 

We may also collect your personal information from: 

  • Your insurance agents or brokers 
  • Third-parties you have asked to provide your personal info to us 
  • Publicly available services 
  • Service providers 
  • Other insurers 
  • Credit check bodies 
  • Law enforcement or dispute resolution bodies 
  • Marketing organizations 

We will only collect and use your personal information in accordance with applicable privacy laws. Some laws require your consent to collect certain personal information from you and we will first obtain your consent where required by law to do so. 

We hold your personal information in various internal systems and databases including shared drives, email, document management systems and in hard copy. We maintain physical, electronic, and procedural safeguards to protect the security of personal information from misuse and loss, as well as unauthorized access, modification or disclosure. After it is no longer needed or required for applicable legal or regulatory purposes, we dispose of or de-identify personal information.  



To What Other Organizations or Third-Parties Do We Disclose Personal Information? 

We may make your personal information available to third-parties as permitted by applicable law to administer our insurance policies or when required by law to do so. We may provide your personal information to: 

  • Contractors or third-parties providing services to us related to the administration of insurance policies such as distributors, agents, claims & loss assessors, claims managers, insurance reference bureaus. 
  • Our related bodies and corporate companies in the Berkshire Hathaway insurance group that provide administrative services, including processing insurance policies and completing regulatory reporting. 
  • Banks and financial institutions for the purpose of processing your application and payments to/from you or your agent. 
  • Third-party administrators, emergency providers, repairers and suppliers, and investigators for the purpose of processing and administering your claims. 
  • Governmental authorities, law enforcement agencies and dispute resolution bodies and agencies. 
  • Third-party companies that provide certain services for us, which may include name and address verification, email distribution, market research and other business-related services. 
  • Third-party companies for analytics, to evaluate use of our webpages by online visitors. 

We do not sell any personal information to marketing companies. 



Location Services for Mobile Apps 

Your current location is only determined if you choose to use a function on our apps to determine your current location. If you allow your location to be obtained using a BHTP app, we will use this information to return your estimated location. We use this information solely to distinguish your current location and not to identify you. BHTP does not automatically track your location when you use our app. 



Confidentiality and Security 

We restrict access to your information to employees and partners who we have determined need it to provide products or services to you. We train our employees to safeguard customer information in accordance with the law.  

We maintain strict physical, electronic, and procedural safeguards to protect your information from unauthorized access by third- parties, including use industry standard security protocol (Secure Sockets Layer or "SSL") to ensure that the connection between your browser and our server remains protected. Unfortunately, no data transmission over the internet or data storage system can be guaranteed 100% secure. If you believe your connection with us is no longer secure for any reason, please notify us immediately.  



Additional Information for Our Internet Users and Cookies Policy 

We aim to continuously improve our website. We are interested in how visitors use our site, what they like and dislike, and where they have problems. We may gather data on how users navigate our site so we can make it an easier place to do business. Our tools may gather data such as what browser a person uses or even what pages are most popular. 

We use cookies to improve your experience while using this website. Cookies are small files that are stored on your computer. They do not contain any personally identifiable information about you. They help us personalize your experience when you return to our website, and they are required for certain portions of our website. Most browsers let you determine whether or not you accept our cookies.  

We may place small pieces of computer code (embedded objects) on our pages to help our advertising partners count how many customers they referred to our site. We may use these objects to track how many referred customers complete a quote. We may also use objects placed on other sites to monitor your exposure to our advertising or other offers online. These objects don’t collect any personally identifiable information about you. You can opt out of our advertising service provider(s) and other companies’ tracking cookies used for interest-based ads by visiting the Digital Advertising Alliance’s aboutads.info choices page. 

We may also provide some links to third-party websites that are not owned by BHTP. BHTP has no control over their privacy practices and assumes no responsibility in connection with your use of their websites. We recommend that you check the privacy policy of any website before you provide any personally identifiable information. 

Our websites are not intended for children. 



Opting Out 

If you provide us your email address, we may use it to communicate with you about your policy, claims, or other transactions.  

We may also use it from time to time for non-policy related communications, such as notifying you of new services or special offers. If you do not wish to be contacted by email for non-policy related communications, you may unsubscribe by following the instructions at the bottom of any BHTP email you receive, or by contacting bhtpmarketing@bhspecialty.com.  



How Do You Access, Correct, or Request Deletion of Your Personal Information? 

We take reasonable steps to ensure that your personal information is accurate, complete and up-to-date. 

If you wish to access the personal information we may hold about you or if you believe that the personal information we hold about you is not accurate, complete or up-to-date, you can request access to or correction of the information by contacting northamerica.privacy.compliance@bhspecialty.com. 

You may also request that your personal information be deleted, subject to applicable laws and internal records management policies which govern our retention and destruction of data. All requests to delete personal information should be directed to northamerica.privacy.compliance@bhspecialty.com 

In order to process any request for access, correction, or deletion of personal information, we may need additional information to confirm your identity.  

If you are seeking access to, or correction of, information on another person’s behalf, we will also require written authorization from that individual. 

We reserve the right to refuse access to personal information under grounds permitted by applicable privacy laws. There is no fee to access or correct your information but there may be a cost charged, if permitted by applicable law, for providing access to personal information, which reflects the cost of locating and providing the information to you. 



Who Do You Contact If You Have a Question or Complaint About How We Handle Your Personal Information? 

If you have any questions or concerns about how we handle your personal information, please contact us via email at: northamerica.privacy.compliance@bhspecialty.com, or by mail at: 

Berkshire Hathaway Travel Protection  

Attention: Privacy Team  

265 Main Street, Suite 301 

 Stevens Point, WI 54481 

-or- 

Berkshire Hathaway Specialty Insurance Company  

Attention: Global Data Protection Officer 

100 Federal Street, 7th Floor  

Boston, MA 02110 

If you have contacted us with a complaint and you are not satisfied with our response, you may refer your complaint to your state privacy regulatory authority or state insurance regulator.  



California Residents Only: 

BHTP is a division of Berkshire Hathaway Specialty Insurance, which is a member of the National Indemnity Group of Companies, who has a page dedicated to resources regarding the California Consumer Privacy Act of 2018 and the California Privacy Rights Act of 2020 (collectively, “CCPA”) here.  



Changes to This Privacy Policy 

We may modify our privacy policy from time to time. The most recent version is always posted at bhtp.com. In the event that we make a significant change to our privacy practices, we will electronically send a revised copy of our privacy policy to each of our current policyholders. Policyholders who cannot access our privacy policy electronically may contact us requesting a copy be mailed.



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