Use of this Website

Except as otherwise stated, Hudson Insurance Group (“Hudson”) does not collect data containing confidential or personally identifying information (also referred to as Confidential Personal Information, or “CPI”) from visitors to this website, unless provided by the visitor or the visitor’s browser. Hudson has adopted policies to protect the confidentiality of your CPI, including social security number, and to limit access to those with a need to know such information.

Visitors to this website should be aware that Hudson may collect information using cookies or similar technology. Cookies are small files that are written to visitors’ computers or mobile devices when they visit a website. Visitors’ browsers send the cookies back to the website every time they re-visit the website in order that it may recognize them or for record keeping purposes. Visitors may opt-out of receiving cookies by changing their browser settings.

Hudson reserves the right to change its policy regarding cookies and the collection of information from visitors to this website at any time without advance notice. Should any new policy be put into effect, Hudson will post it on this website and the new policy will apply only to information collected thereafter.

Information Collected, Use and Disclosure of Your Information

Hudson limits the collection, disclosure and use of CPI to only what is needed to properly produce, underwrite, service and administer its insurance products and/or to fulfill legal or regulatory requirements and includes, but is not limited to:

  • producing business
  • quoting, underwriting and renewing insurance products
  • policy administration
  • claims administration, adjusting and management
  • fraud detection, investigation, prosecution and prevention
  • loss control
  • other purposes outside the insurance lifecycle that are necessary for the provision of insurance throughout the insurance lifecycle period
  • business activities that Hudson may legally undertake

Please note that Hudson may also disclose CPI for these purposes to our service providers, contractors, agents and other affiliates that perform activities on its behalf.

Hudson does not sell CPI to any third parties and does not use it for marketing any of its insurance products.

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

Data Hudson May Collect About You (Your CPI)

In order for us to provide insurance quotes, insurance products and/or deal with any claims or complaints, Hudson needs to collect and process CPI. The types of CPI that are collected and processed may include:

  • Individual Details – Name, address (including proof of address), other contact details (for example, email address and telephone numbers), gender, marital status, date and place of birth, nationality, employer, job title, employment history and family details, including their relationship to you.
  • Identification Details – Identification numbers issued by government bodies or agencies, including your social security number, passport number, and/or driver’s license number.
  • Financial Information – Bank account or credit card details, income or other financial information.
  • Risk Details – Information about you which Hudson needs to collect in order to assess the risk(s) to be insured and provide a quote. This may include data relating to your health, criminal convictions or other special categories of CPI. For certain types of products, this could also include telematics data.
  • Policy Information – Information about the quotes you receive and policies you take out.
  • Credit and Anti-Fraud Data – Credit history, credit score, sanctions, criminal offenses and information received from various anti-fraud databases relating to you.
  • Previous and Current Claims – Information about previous and current claims (including other unrelated insurances), which may include data relating to your health, criminal convictions or other special categories of CPI and, in some cases, surveillance reports.
  • Special Categories of CPI – Health records, criminal convictions, racial or ethnic origin, political opinions, religious or philosophical beliefs, union membership, genetic data, biometric or data concerning sex life or sexual orientation.

Where Hudson Might Collect Your CPI From

Hudson might collect your CPI from various sources, including:

  • you;
  • your family members, employer or representative;
  • other insurance market participants;
  • the internet;
  • credit monitoring agencies;
  • anti-fraud databases, sanctions lists, court judgments and other databases; or
  • government agencies.

Which of the above sources apply will depend on your particular circumstances.

If Hudson orders an investigative consumer report, you will be notified as required by state laws and the federal Fair Credit Reporting Act (FCRA). Under the FCRA, you have the right to ask to be personally interviewed if Hudson orders an investigative consumer report. Upon request, Hudson will tell you how to get a copy of the report. The agency that prepares a consumer report for Hudson may retain that report and disclose it to other persons as permitted by law.

Safeguarding Your Privacy

Hudson is committed to protecting your privacy. Hudson maintains physical, electronic and procedural safeguards to protect your CPI from unauthorized access. Hudson reviews its policies and practices, monitors its computer networks, tests the strength of its security and monitors its compliance with relevant laws and regulations in order to help it ensure the safety of your CPI.

Access to CPI 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 Hudson, Hudson will continue to safeguard your privacy in accordance with the standards described in this Privacy Policy.

All employees of Hudson are required to comply with this Privacy Policy. Employees who violate this Privacy Policy are subject to disciplinary measures.

Hudson cannot ensure that all of your private communications and other CPI will never be disclosed in ways not otherwise described in this Privacy Policy. For example, Hudson may be forced to disclose information to the government, to regulators having jurisdiction, on the order of a court of competent jurisdiction, in response to a statutory obligation or, under certain circumstances, to third parties. In addition, third parties may unlawfully intercept or access transmissions or private communications. Hudson can (and you authorize Hudson to) disclose any information about you to law enforcement or other government officials as Hudson, in its sole discretion, believes necessary or appropriate in connection with an investigation of fraud, intellectual property infringements or other activity that is illegal or may expose Hudson to legal liability.

Linked Sites

For your convenience, this site contains links to other sites. Hudson is not responsible for the privacy practices or the content of such websites. For more information about Hudson’s policies with regard to third party websites, please see the Terms and Conditions of Use.

Accessing Your CPI

You have the right to access your CPI that is in Hudson’s possession or under its control in order to verify the accuracy and completeness of the CPI. To request access, please send your written request to Hudson’s General Counsel as indicated below. Hudson will respond to your request within thirty (30) days or advise you if additional time is required to respond to your request.

There may be situations in which Hudson is legally prohibited from allowing you access to your personal information. If this is the case, Hudson will advise you of why, subject to any legal restrictions.

Please note that, in certain circumstances, such as manifestly unfounded or excessive requests, a reasonable processing fee may apply, or Hudson may also refuse to act on your request.

Questions or Concerns

If you have any questions or concerns about this Privacy Policy, Hudson’s data protection practices or your dealings with this website, you can contact the General Counsel’s Office at:

Hudson Insurance Group
Attn: General Counsel
100 William Street
New York, NY 10038
communications@odysseyre.com

Email

Hudson appreciates your questions and comments about our website and services and welcomes your email messages to mailboxes listed on this website. Hudson will share your messages with those within its organization that are most capable of addressing the issues contained in your message. Hudson will keep a copy of your message until it has had an opportunity to address your concerns. Hudson may archive your message for a certain period of time or discard it, as appropriate.

Changes to this Privacy Policy

This Privacy Policy may be amended from time to time. Please check this website for any amendments and for the current version of this Privacy Policy.

Last Updated: November 30, 2017