Everest Insurance Company of Canada collects Personal Information for underwriting and claims purposes. Our corporate mission is the continuous improvement of meeting and satisfying our customer’s insurance needs. To that end, Personal Information is collected for the following purposes:
- to establish and maintain responsible commercial relations with customers, including insurance brokers with which it conducts business
- to offer and provide insurance and related products and services
- to communicate, develop, enhance, market and provide ongoing services to its customers
- to answer complaints from individuals where applicable;
- to verify the identity and the accuracy of personal information with brokers, adjusters, government agencies, industry associations, or other insurers;
- to analyze, assess, underwrite and price insurance coverage on a prudent basis;
- to investigate and assess claims, liability and quantum of damages;
- to assess the value of an alleged injury to a claimant;
- to detect and prevent fraud
- to act as required or authorized by law
- to meet legal or regulatory requirements, including auditing requirements.
The knowledge and consent of an individual are required for the collection, use and disclosure of Personal Information, except as provided by PIPEDA. Consent can be either express or implied.Consent means voluntary agreement with the collection, use and disclosure of Personal Information for defined purposes. Consent can be either express or implied. Express consent is given explicitly, orally, electronically or in writing and will be requested when the information is sensitive. Implied consent is consent that can reasonably be inferred from an individual’s action or inaction and will be accepted when the Personal Information is less sensitive.
For example, Everest may infer that it has your consent for the collection, use and disclosure of Personal Information for the specified purposes, when we provide you with insurance or amend existing policies by phone or Internet, on short notice or with limited documentation. Our producers are responsible for obtaining the consent of our customers with respect to the collection of such information and we, will infer such consent. If a producer advises us that we have the customer’s consent to collect information, we will rely on that representation. Generally, and with certain exceptions, an individual’s knowledge and consent is required for the collection, use, or disclosure of Personal Information.
Personal Information means any information about an identifiable individual. This includes but is not limited to: name, home address, age, birth date, income, claims histories, employment information, tax information, medical and health information such as clinical notes and reports, financial information and Drivers’ License information.When you purchase insurance from us, personal information may be collected in order that we may provide you with the insurance products that you have requested.
How We Collect and Use Personal Information
As Everest Insurance Company of Canada deals directly with insurance producers, much of the personal information collected during the underwriting process is provided to us by our insurance producers who are responsible for obtaining the direct consent of our customers to collect personal information that might be required in order for us to provide the insurance product or service requested. We will infer such consent as or when appropriate. We may also obtain personal information from various other third party sources as part of the process, such as adjusting firms that we retain to handle and investigate a claim, other insurance companies, or other industry sources.
For claims purposes, personal information may be obtained from brokers, adjusters, medical practitioners, our solicitors, claimants’ solicitors during the course of litigation and private investigators. This list is not exhaustive. In addition, personal information may be disclosed to:
- Your agent or broker
- Parties who perform a business, professional or insurance function for Everest Insurance Company of Canada, including affiliated companies, agents, services providers and reinsurers.
- Third parties such as our adjusters or solicitors, appraisers, medical practitioners, auditors, private investigators, accountants, and lawyers who need the information to investigate, defend or settle a claim involving your insurance.
- Other insurance or reinsurance companies or agents as reasonably necessary in connection with any application, insurance policy or claim involving you.
- Law enforcement or other governmental authorities to protect our legal interests, and to authorized persons as ordered by subpoena, warrant or other court order, or as required by law.
- Data processing and insurance regulatory agencies in connection with regulating and reporting of our business.
Upon such disclosure of any Personal Information, the disclosure is subject to privacy and confidentiality requirements and agreements as necessary. This information is retained as long as your file is active and required for business and legal purposes. Everest shall limit the collection of Personal Information to that which is necessary for the purposes stated herein. We assume your consent for our company to use this information in an appropriate manner. Personal Information will only be collected through fair and lawful means and such information is used and disclosed only to the extent required to fulfill the purposes stated herein, except with the consent of the individual or as provided by PIPEDA.
Refusing or Withdrawing Consent
Individuals may refuse or withdraw consent to Everest’s collection, use or disclosure of their Personal Information by contacting Everest Insurance Company of Canada’s Chief Privacy Officer at the address above, unless PIPEDA requires otherwise. If you wish to withdraw consent at any time, we would ask that you provide us with reasonable notice.If an individual refuses to provide certain information or withdraws his or her consent, Everest may not be able to provide some of its products and services.Withdrawal of your consent may limit our ability to provide you with the requested product or service.
Everest will employ reasonable measures to ensure that the Personal Information we have about individuals is accurate, complete and as up-to-date as necessary for the identified purpose(s). We will amend Personal Information that is inaccurate or incomplete.
We have in place appropriate security measures to protect against the unauthorized collection, loss, misuse or alteration of information we retain on file appropriate to the sensitivity of the information, including the following:
a. Only authorized personnel on a "need-to-know" basis have access to Personal Information.
b. Electronic data is protected by passwords and encryption and is only accessible to authorized personnel.
We will continue to enhance security procedures to safeguard and protect Personal Information. However, please remember that no security measures are entirely foolproof, especially in respect of Internet or email communications. We do not sell customer information to anyone and do not share any customer information with any organizations outside of our associated companies other than the aforementioned entities.
Access to Personal Information
- If doing so would likely reveal personal information about a third party;
- If the information is subject to solicitor-client privilege;
- If revealing the information would reveal confidential commercial information;
- If revealing the information could affect the security of another person;
- If the information relates to the actual or suspected breach of an insurance policy or other agreement or the breach of Canadian law; or
- If the information was generated in the course of a formal dispute resolution process.
Upon receipt of a complaint or inquiry from an individual concerning the collection, use or disclosure of their Personal Information, Everest will respond in a timely manner and will review all such complaints or inquiries. If the complaint is valid, Everest will take appropriate measures to resolve the complaint, including, if necessary, amending its policies and procedures.Everest will make readily available specific information about its policies and practices relating to the management of Personal Information and will review its privacy policies on a regular basis.
How to Contact Us
Privacy and Complaints: For more information, to file a complaint or for an individual to make inquiries about his or her Personal Information, please contact Lynn Der, Everest’s Chief Privacy and Complaints Officer at the following contact information:
Address: Lynn Der
Chief Privacy and Complaints Officer
Everest Insurance Company of Canada
130 King Street West, Suite 2620
Telephone No: 416-487-3900
Email Address: email@example.com