PRIVACY POLICY

Last updated: January 11th, 2024  

Hiscox USA (“Hiscox”) is committed to protecting your privacy. This privacy policy (“Policy”) sets out details of the information that we may collect from you and how we may use that information. Please take your time to read this notice carefully. When using the Hiscox USA website, this Policy should be read alongside the website terms and conditions. Except where otherwise stated in this Privacy Policy, this Policy applies only to information collected through Hiscox-owned platforms that reference this Policy, including over the phone or in person, third-parties, and the following websites (“Site”):

Updates. We are continually improving and adding to the features and functionality of the services we offer. As a result of these changes, or changes in the law, we may need to update or revise this Policy. Accordingly, we reserve the right to update or modify this Policy at any time, without prior notice.

International Transfers. Our online environments are designed for, and targeted to, United States audiences and are governed by and operated in accordance with the laws of the United States. While users from countries other than the United States may access our online environments, we make no representation that such environments are operated in accordance with the laws or regulations of, or governed by, other nations. Please be aware that by accessing our online environments, or providing us with information, you understand and agree that:

  • Information collected from you may be transferred to and stored on servers located outside your jurisdiction;
  • To the extent you are a resident of a country other than the United States, you consent to the transfer of such information to the United States for our use in accordance with this Policy; and
  • This Policy, and the collection and use of information pursuant to this Policy, shall be governed by and construed in accordance with the laws of the United States, without giving effect to any principles of conflicts of law.

Providing us with information or continuing to use our online environments indicates that you are agreeing to the collection, use, disclosure, management, and storage of information collected from you as described in this Policy.

Children's Information. We do not knowingly collect or use any information from children (we define “children” as minors younger than 13) on our online environments. We do not knowingly allow children to order our products or services, communicate with us, or use any of our online environments. If you are a parent and become aware that your child has provided us with information, please contact us using one of the methods specified below, and we will work with you to address this issue.

CALIFORNIA RESIDENTS: The California Privacy Supplement, attached to and a part of this Privacy Policy, provides additional information to California residents about how we collect, use, a  nd share your personal information and your rights under California law with respect to your personal information. The California Privacy Supplement applies to all personal information collected by Hiscox, including through Hiscox-owned platforms, through other channels (such as over the phone or in person), and from third parties.

TABLE OF CONTENTS

What personal information do we collect and use?

Hiscox is an international insurance business. In the US, we offer insurance to companies and other insurers. We do this both by providing insurance ourselves and by placing insurance with other insurers. We also offer insurance to other insurers (known as “reinsurance”). For the purposes of this notice, references to insurance also mean reinsurance.

For us to provide you with a quote and then insurance, and to deal with any claims or complaints that might arise, we need to collect and process data about you.

If you provide personal information to us about other individuals (for example, members of your family or your employees) you will inform them about the contents of this Policy and obtain any required consent in accordance with this Policy.

What marketing activities do we carry out?

We may use your personal information to provide you with information about products or services that may be of interest to you when you are an existing customer or when you have provided your consent for us to do so. We may do this by mail or email.

We are committed to only sending you marketing communications that you have clearly expressed an interest in receiving. If you wish to opt out of marketing, you may do so by clicking on the “unsubscribe” link that appears in all emails or telling us when we call you. Otherwise you can always contact us using the details set out in the Contacting Us section below to update your contact preferences.

Please note that, even if you opt out of receiving marketing messages, we may still send you service- related communications where necessary.

How long do we keep personal information for?

We will only keep your personal information for the minimum periods required to fulfill the relevant purposes set out in this Policy.

We are also required to keep certain information to comply with our legal and regulatory obligations.

The exact time period will depend on your relationship with us and the type of personal information we hold. For example, if you take out an insurance policy with us, we will keep your personal information for longer than if you obtain a quote from us but do not purchase a policy.

If you would like further information regarding the periods for which your personal information will be stored, please contact us using the details set out in the Contacting Us section below.

How do we protect your information?

We maintain reasonable administrative, physical, and technological measures to protect the confidentiality and security of personal information you submit to us. We use a range of organizational and technical security measures to protect your information, including:

  • physical security measures such as on-site security and CCTV;
  • network security measures such as intrusion detection systems;
  • access controls such as password protection and user logging; and
  • virus and malware controls on our systems.

We review our security measures periodically. We also ensure that our employees receive appropriate data security training.

Contacting us

If you would like further information about any of the matters in this Privacy Policy or have any other questions about how we collect, store or use your personal information, you may contact us by telephone at 1-866-446-4082 or by emailing us at [email protected].

If you are a California resident, you may also exercise your privacy rights under the California Consumer Privacy Act (California Residents only).

See the California Privacy Supplement below for additional information.

California Privacy Supplement

This California Privacy Supplement (“Supplement”) supplements the information otherwise contained in this Privacy Policy and applies solely to all visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this Supplement to comply with the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act, and its implementing regulations (collectively, the “CCPA”), and any terms defined in the CCPA have the same meaning when used in this Supplement.

This California Privacy Supplement applies to all personal information collected by Hiscox about consumers who reside in the State of California, including through Hiscox-owned platforms, through other channels (such as over the phone or in person), and from third parties.

We collect personal information from and about policyholders and insurance applicants; parties associated with an insurance claim, such as employees, claimants, and beneficiaries; our broker and agent partners; our vendors and other service providers; website visitors and users of our online environments; and Hiscox employees and applicants. Note that employee data and practices are detailed separately in our Employee Privacy Notice.


Information Security

Information security is extremely important to us. If you believe you have discovered a security vulnerability on a Hiscox website, please contact us via email: [email protected].