Privacy Policy

Brownyard Programs, LTD is a licensed insurance agency within Crum & Forster.  Crum & Forster, which is part of Fairfax Financial Holdings Limited, is comprised of leading and well-established property and casualty business units.  Insurance products placed through Brownyard Programs, LTD are issued by one of the insurance companies within Crum & Forster, rated A (Excellent) by A.M. Best Company, which include: United States Fire Insurance Company, The North River Insurance Company, Crum & Forster Indemnity Company and Crum & Forster Specialty Insurance Company.

This website is maintained by United States Fire Insurance Company on behalf of itself and its affiliated companies within Crum & Forster (collectively, “C&F” or “Crum & Forster”) and these Privacy Principles guide Crum & Forster’s conduct in the collection, use, release and security of personal and confidential information it obtains as part of its business of providing, producing and servicing commercial and personal lines insurance products, including underwriting, policy administration, insurance claims adjusting, production, appraisal and loss control services. These principles define Crum & Forster’s commitment to the privacy and integrity of the information it accumulates, manages and stores.

Who collects and has access to non-public personal information?

Personal information may be collected by and/or shared with employees of Crum & Forster or by any of Crum & Forster’s authorized representatives, attorneys, or others who provide services to Crum & Forster in connection with providing, producing and servicing its commercial and personal lines insurance products, such as claims administrators, independent appraisers, managed care providers, systems vendors, or similar service providers. Crum & Forster requires service providers to honor the privacy principles in the handling of non-public personal information obtained through its business relationship with Crum & Forster. Additionally, Crum & Forster may disclose information to third parties as allowed or required by law. For example, information may be released to comply with a statutory reporting requirement or in response to a subpoena or other order or inquiry of a court, regulator or governmental agency or to fulfill C&F’s obligations to its insurers or reinsurers.

Crum & Forster may make certain non-public personal information available to affiliate organizations or partners that provide goods, programs or services that will assist Crum & Forster in the servicing of your account and products it provide you. Crum & Forster uses very strict standards in determining which reputable companies become partners to ensure that such organizations are committed to the protection of visitors’ privacy and committed to the goals of Crum & Forster.

Why does Crum & Forster need personal information and what does it do with it?

Crum & Forster limits the collection, disclosure, and use of customer information to only what is needed to properly produce, underwrite and service its insurance products, and/or to fulfill legal or regulatory requirements. Crum & Forster collects personal information solely for conducting its business of producing, underwriting, servicing and administering its insurance products including, but not limited to:

  • Producing business through its affiliates and producers
  • Underwriting and renewal of its commercial and personal lines insurance products
  • Claims handling and adjusting, including investigation and payment of claims
  • Claims administration and reporting
  • Fraud detection and prevention
  • Loss Control
  • Complying with the law and statutory reporting requirements
  • Business activities that Crum & Forster may legally undertake

Crum & Forster does not sell information to any third parties.

What types of information are collected?

The type of information that Crum & Forster collects varies according to the insurance product involved, and may include information C&F receives from you on applications and other forms; information C&F receives from your employer; information C&F receives from other sources such as motor vehicle reports or other insurance support organizations or medical providers.

Safeguarding Your Privacy

Access to non-public personal information is limited to those employees, and authorized representatives, attorneys and service providers who specifically need such information to conduct their business responsibilities. If you conclude your relationship with C&F, C&F will continue to safeguard your privacy in accordance with the standards described in this notice. C&F maintains physical, electronic and procedural safeguards to protect non-public personal information.

About Our Website

C&F’s website is used only to disseminate information. Crum & Forster may count how many times its site has been visited and various other site statistics to help it provide a more useful and engaging online experience, but it does not gather any personal information about the visitors, except for information gathered through fillable applications on the website. If you send C&F an email, your communication will identify you to C&F. However, C&F will only use the information you provide to respond to your inquiry or in a manner you authorize.

C&F reserves the right to change its policy regarding cookies and the collection of information from visitors at any time without advance notice. Should any new policy be put into effect, C&F will post it on this website, and the new policy will apply only to information collected thereafter. Any such policy will permit visitors to “opt out” of the collection of any personally identifying information.

The privacy of communication over the internet cannot be guaranteed. If you are concerned about the security of your communication, we encourage you to send your correspondence through the postal service or use the telephone to speak directly to us. Crum & Forster does not represent or warrant that the site, in whole or in part, is appropriate or available for use in any particular jurisdiction. Those who choose to access the site, do so on their own initiative and at their own risk, and are responsible for complying with all local laws, rules and regulations. Crum & Forster does not assume any responsibility for any loss or damage you may experience or incur by the sending of personal information over the internet by or to Crum & Forster. This Usage Agreement shall be governed by the laws of the United States and of the State of New Jersey, without giving effect to its conflict of laws provisions.

Questions?

If you have any questions concerning our Privacy Principles, please contact the General Counsel’s Office at:
Crum & Forster
Attn: General Counsel
PO Box 1973
305 Madison Avenue
Morristown, New Jersey 07962