Privacy Policy

Effective Date: September 1, 2023

MSIG-NA (“MSIG”, which includes MSIG Holdings (U.S.A.), Inc., Mitsui Sumitomo Insurance Company of America, Mitsui Sumitomo Insurance USA Inc., MSIG Specialty Insurance USA Inc., Mitsui Sumitomo Marine Management (U.S.A.), Inc. MSIG Insurance Services, Inc., and Seven Hills Insurance Agency LLC) respects the privacy of our customers and our website users. We use information collected from you to better serve your insurance needs. We also recognize that this information belongs to you and that we must treat it accordingly. The following statement spells out our privacy policy in more detail. The privacy policy only applies to www.MSIGUSA.com.

Explanation of Terms Used

Claimant – a person or entity that makes a claim under our insurance policy(s).
Customer – a purchaser of our insurance policy(s). In the case of Seven Hills Insurance Agency LLC, a customer is a purchaser of insurance through Seven Hills Insurance Agency LLC.
User – a person using our website.

Use of Personal Information

Users are not required to register to access the public pages of MSIG’s websites.

Personal information that can identify a User, such as name, address or policy information is collected only when voluntarily offered and solely for purposes that are clearly identified on our websites. Access to pages with content specific to agents, brokers or Customers is password-protected and requires pre-registration. Personal information acquired through the registration process is kept confidential and will not be disclosed to third parties except as may be required by law, to comply with a subpoena, court order or other regulatory or governmental requirement, or as necessary for business purposes and audit certifications under an appropriate confidentiality agreement. MSIG’s websites are not directed to children and we do not knowingly collect personal information from children.

Use of Customer Information

MSIG’s policy is to limit access to Customer information to those who need it to serve Customers’ insurance needs. We do not disclose Customer information to third parties other than our agents and brokers, except as necessary to conduct business, e.g., settling claims. We do not conduct direct online or telephone sales programs to our Customers using information obtained from our websites without prior consent.

Categories of Information Collected

Personal information that is provided to us by Customers or Claimants may include identifying information and physical, medical and health information.

We may use or disclose the personal information we collect for one or more of the following purposes:

Underwrite, rate and service insurance,
Process claims,
Create and market insurance products and services,
Investigate potential fraud,
Satisfy legal and regulatory requirements,
Protect our rights, privacy, safety or property, and/or that of you or others,
Evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred, and
Other business purposes and activities allowed by law.

Use of Tracking, Cookies, and Analytics
MSIG’s Websites do not respond to “do not track signals”.

The MSIG websites may use Google Analytics, which are web analytics services provided by Google LLC. These services use cookies to analyze your use of the MSIG websites. The information collected by these cookies about your use of the MSIG websites is transmitted to and stored on Google servers. Google uses this information to assess your use of our websites and provides reports on data. This data may include how often you visit the MSIG websites, what pages you view when you visit the websites, and what other websites you have visited prior to visiting the MSIG websites. Google may transfer this information to third parties, if required by law or if third parties process the information on behalf of Google.

You may review Google’s data privacy practices for Google Analytics. You may also review Google’s privacy policy and terms of service for more information. To opt out of being tracked by Google Analytics, you may download and install the Google Analytics Opt-out Browser Add-on.

Security
MSIG maintains physical, electronic, and procedural safeguards to protect your personal information from unauthorized access. MSIG will use industry-standard encryption technologies when transferring confidential medical and claims information. Authorized/registered users will be redirected to a secure server. Depending on the browser/browser setting, a pop-up screen may appear, notifying the User of a secure environment inside our website.

Nevertheless, transmission via the Internet and online digital storage are not completely secure and MSIG cannot guarantee the security of information you send to us online.

Transfer of Personal Information

MSIG is based in the United States, and MSIG’s websites and our services are designed for use in the United States of America. If you access MSIG’s websites or provide information to us from outside the United States, your information will be transferred to and processed in the United States for purposes described in this privacy policy, and your Personal Information may be subject to different levels of privacy protections than the country you are located in.

Consent
By using this website and any websites at www.MSIGUSA.com, you signify your consent to this privacy policy. If you do not agree to this policy, please do not use this website. We reserve the right to change this policy at any time. We will place updates on our website.

Contact
If you have any questions or comments about this privacy policy contact MSIG’s Privacy Officer by sending an email to privacyofficer@msig-na.com or by mail sent to following address:

MSIG Insurance Services, Inc.
Attention: Privacy Officer
Privacy Inquiries
15 Independence Blvd., P.O. Box 4602
Warren, NJ 07059-0602

PRIVACY STATEMENT – CALIFORNIA – Commercial Insurance

This Privacy Statement – California – Commercial Insurance supplements the information contained in the MSIGUSA.com Privacy Policy (MSIG is “we,” “us,” or “our”) and applies solely to Customers, Claimants, and consumers who reside in the State of California (“consumers” or “you”). A separate Privacy Statement applies to Seven Hills Insurance Agency LLC.

This Privacy Statement describes our collection, use and disclosure of California Consumer personal information (“PI”) as well as the rights California Consumers have under the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws.

Collection and Use of Personal Information

The table below shows the types of PI we may have collected in the past 12 months (or not collected, if indicated below), the sources from which we may collect this information, why we collect it, and with whom we may share it. The chart is representative.

We will not collect additional categories of PI or use the PI we collected for materially different, unrelated, or incompatible purposes without providing notice.

When we disclose PI to a service provider, we do so for a business purpose and pursuant to a written contract that describes the business purpose(s) for the disclosure, specifies the services to be performed, and prohibits the recipient from further using, retaining, or disclosing the PI other than as specified in the contract. We may also disclose PI pursuant to an exemption from the CCPA.

Your Rights and Choices

The CCPA provides California Consumers with specific rights regarding their PI. You may also appoint a representative to exercise your rights. This section describes your CCPA rights and explains how to exercise those rights.

Access to Categories of Information and Specific Information Rights

You have the right to request that we disclose certain information to you about our collection and use of your PI over the past 12 months. You are limited to two requests in a 12-month period. Once we receive and confirm your verifiable consumer request, we can disclose to you:

The categories of PI we collected about you.
The categories of sources for the PI we collected about you.
Our business or commercial purpose for collecting that personal information.
The categories of third parties with whom we share that personal information.
The specific pieces of PI we collected about you.
If we disclosed your PI for a business purpose, a list identifying the PI categories that each category of recipient obtained.

Deletion Request Right

You (California Consumers) have the right to request that we delete any of your PI that we collected directly from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete your PI from our records, unless an exception applies.

Verifiable Consumer Request

You may exercise your access and deletion rights described above by submitting a verifiable consumer request to us. A verifiable consumer request is a request made by a consumer, by a consumer on behalf of the consumer’s minor child, or by a person registered with the California Secretary of State and that we can reasonably verify that the consumer is the consumer about whom we have collected PI.

To verify the consumer we will need your name, policy number and/or claim number.

Your request should also have sufficient detail that allows us to properly understand, evaluate, and respond to it. In other words, tell us if you are requesting categories of information we collect, specific information we collect, or requesting deletion of your PI.

Verifiable consumer requests should be sent to us at the contact information below.

We will make commercially reasonable efforts to identify your PI and to respond to requests, but if we cannot identify your PI, we will tell you. You may submit additional information for us to search again. If there is irrelevant or voluminous data, we may provide a summary of that data or may request a fee for collecting and sending your PI to you. We may verify a requestor’s identity by matching known information internally or via an outside service.

We cannot respond to your request or provide you with PI if we cannot verify your identity or authority to make the request and confirm the PI relates to you. We will only use PI provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request, unless the information was provided for another purpose.

“Do Not Sell”

We do not sell PI. In the preceding 12 months we have not sold PI as defined under the CCPA, and until such time as our practices change by updating this Privacy Notice, we will treat PI collected under this Privacy Statement as subject to a “do not sell” request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Collection and use of Personal Information

The table below shows the types of PI we may have collected in the past 12 months (or not collected, if indicated below), the sources from which we may collect this information, why we collect it, and with whom we may share it. The chart is representative.

Category	Examples of PI	Sources of PI	Purposes for PI Collection	Categories of Recipients
Identifiers	Name, postal address, email address, social security number, driver’s license number, or other similar identifiers	You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer	Provide insurance services to Customers and Claimants, and as required by law	Insurance Companies; State or Federal regulatory agencies; others as required by law
Individual Records	Name, postal address, telephone number, email address, driver’s license, medical information, insurance information, employment information	You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer	Provide insurance services to Customers and Claimants, and as required by law	Insurance Companies; State or Federal regulatory agencies; others as required by law
Protected Characteristics	Marital/familial status, medical condition, gender	You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer	Provide insurance services to Customers and Claimants, and as required by law	Insurance Companies; State or Federal regulatory agencies; others as required by law
Commercial Information / Purchase Details (Not collected in the past 12 months)	Records of products or services purchased	You, your or your employer’s insurance producer, your or your employer’s insurer, service providers, medical or healthcare providers	Provide insurance services to Customers and Claimants, and as required by law	Service Providers; other Insurance Companies; Insurance Service Organizations; State or Federal regulatory agencies; others as required by law
Biometric Information collected in the past 12 months	Physiological, behavioral, and biological characteristics	You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer	Provide insurance services to Customers and Claimants, and as required by law	Insurance Companies; State or Federal regulatory agencies; others as required by law
Geolocation Data (not collected in the past 12 months)	Precise physical location, movements, and travel patterns	Your Employer	Provide insurance services to Customers and Claimants and as required by law	Your Employer
Sensory Data (Not collected in the past 12 months)	Audio recordings, CCTV footage	You, your employer, your or your employer’s insurance producer, your or your employer’s insurer, service providers, medical or healthcare providers, insurance fraud investigators	Provide insurance services to Customers and Claimants, and as required by law	Service Providers; other Insurance Companies; Insurance Service Organizations; State or Federal regulatory agencies; others as required by law
Professional or Employment Information	Professional, educational, or employment-related information	You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer	Provide insurance services to Customers and Claimants, and as required by law	Insurance Companies; State or Federal regulatory agencies, others as required by law

Category

Examples of PI

Sources of PI

Purposes for PI Collection

Categories of Recipients

Identifiers

Name, postal address, email address, social security number, driver’s license number, or other similar identifiers

You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer

Provide insurance services to Customers and Claimants, and as required by law

Insurance Companies; State or Federal regulatory agencies; others as required by law

Individual Records

Name, postal address, telephone number, email address, driver’s license, medical information, insurance information, employment information

You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer

Provide insurance services to Customers and Claimants, and as required by law

Insurance Companies; State or Federal regulatory agencies; others as required by law

Protected Characteristics

Marital/familial status, medical condition, gender

You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer

Provide insurance services to Customers and Claimants, and as required by law

Insurance Companies; State or Federal regulatory agencies; others as required by law

Commercial Information / Purchase Details (Not collected in the past 12 months)

Records of products or services purchased

You, your or your employer’s insurance producer, your or your employer’s insurer, service providers, medical or healthcare providers

Provide insurance services to Customers and Claimants, and as required by law

Service Providers; other Insurance Companies; Insurance Service Organizations; State or Federal regulatory agencies; others as required by law

Biometric Information collected in the past 12 months

Physiological, behavioral, and biological characteristics

You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer

Provide insurance services to Customers and Claimants, and as required by law

Insurance Companies; State or Federal regulatory agencies; others as required by law

Geolocation Data (not collected in the past 12 months)

Precise physical location, movements, and travel patterns

Your Employer

Provide insurance services to Customers and Claimants and as required by law

Your Employer

Sensory Data (Not collected in the past 12 months)

Audio recordings, CCTV footage

You, your employer, your or your employer’s insurance producer, your or your employer’s insurer, service providers, medical or healthcare providers, insurance fraud investigators

Provide insurance services to Customers and Claimants, and as required by law

Service Providers; other Insurance Companies; Insurance Service Organizations; State or Federal regulatory agencies; others as required by law

Professional or Employment Information

Professional, educational, or employment-related information

You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer

Provide insurance services to Customers and Claimants, and as required by law

Insurance Companies; State or Federal regulatory agencies, others as required by law

We will not collect additional categories of PI or use the PI we collected for materially different, unrelated, or incompatible purposes without providing notice.

When we disclose PI to a service provider, we do so for a business purpose and pursuant to a written contract that describes the business purpose(s) for the disclosure, specifies the services to be performed, and prohibits the recipient from further using, retaining, or disclosing the PI other than as specified in the contract. We may also disclose PI pursuant to an exemption from the CCPA.

Your Rights and Choices

The CCPA provides California Consumers with specific rights regarding their PI. You may also appoint a representative to exercise your rights. This section describes your CCPA rights and explains how to exercise those rights.

Access to Categories of Information and Specific Information Rights

You have the right to request that we disclose certain information to you about our collection and use of your PI over the past 12 months. You are limited to two requests in a 12-month period. Once we receive and confirm your verifiable consumer request, we can disclose to you:

The categories of PI we collected about you.
The categories of sources for the PI we collected about you.
Our business or commercial purpose for collecting that personal information.
The categories of third parties with whom we share that personal information.
The specific pieces of PI we collected about you.
If we disclosed your PI for a business purpose, a list identifying the PI categories that each category of recipient obtained.

Deletion Request Right

You (California Consumers) have the right to request that we delete any of your PI that we collected directly from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete your PI from our records, unless an exception applies.

Verifiable Consumer Request

You may exercise your access and deletion rights described above by submitting a verifiable consumer request to us. A verifiable consumer request is a request made by a consumer, by a consumer on behalf of the consumer’s minor child, or by a person registered with the California Secretary of State and that we can reasonably verify that the consumer is the consumer about whom we have collected PI.

To verify the consumer we will need your name, policy number and/or claim number.

Your request should also have sufficient detail that allows us to properly understand, evaluate, and respond to it. In other words, tell us if you are requesting categories of information we collect, specific information we collect, or requesting deletion of your PI.

Verifiable consumer requests should be sent to us at the contact information below.

We will make commercially reasonable efforts to identify your PI and to respond to requests, but if we cannot identify your PI, we will tell you. You may submit additional information for us to search again. If there is irrelevant or voluminous data, we may provide a summary of that data or may request a fee for collecting and sending your PI to you. We may verify a requestor’s identity by matching known information internally or via an outside service.

We cannot respond to your request or provide you with PI if we cannot verify your identity or authority to make the request and confirm the PI relates to you. We will only use PI provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request, unless the information was provided for another purpose.

“Do Not Sell”

We do not sell PI. In the preceding 12 months we have not sold PI as defined under the CCPA, and until such time as our practices change by updating this Privacy Notice, we will treat PI collected under this Privacy Statement as subject to a “do not sell” request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Minors

MSIG’s websites are not directed to children and we do not knowingly collect personal information from children.

Changes to Our Privacy Statement

We reserve the right to change this Privacy Statement at any time. We will place updates on our website.

Contact Information

If you have any questions or comments about this Privacy Statement – California – Commercial Insurance, our Privacy Policy, the ways in which we collect and use your PI, your choices and rights regarding such use, or wish to exercise your rights under California law, contact MSIG’s Privacy Officer by one of the following methods:

Mail: MSIG Insurance Services, Inc.

Attention: Privacy Officer

Privacy Inquiries

15 Independence Blvd., P.O. Box 4602

Warren, NJ 07059-0602

Email: privacyofficer@msig-na.com

Web: www.msigusa.com

Toll-free Number: 800-388-1802.

Last updated September 1, 2023

PRIVACY STATEMENT – CALIFORNIA – Seven Hills Insurance Agency

This section provides additional information for California Residents specific to Seven Hills Insurance Agency LLC and supplements the information contained in the MSIGUSA.com Privacy Policy (Seven Hills Insurance Agency is “we,” “us,” or “our”) and applies solely to our Customers (consumers who purchase personal insurance through Seven Hills Insurance Agency), who reside in the State of California (“consumers” or “you”). This Privacy Statement describes our collection, use and disclosure of California Consumer personal information (“PI”) as well as the rights consumers have under the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. This Privacy Statement does not apply to MSIG or the insurers we work with.

Collection and Use of Personal Information

The table below shows the types of personal information we may have collected in the past 12 months (or not collected, if indicated below), the sources from which we may collect this information, why we collect it, and with whom we may share it. The chart is representative.

Category	Examples of PI Collected	Sources of PI	Purposes for PI Collection	Categories of Recipients
Identifiers	Name, postal address, email address, social security number, driver’s license number, or other similar identifiers	You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer	Provide insurance services to Customers, and as required by law	Insurance Companies; State or Federal regulatory agencies; others as required by law
Individual Records	Name, postal address, telephone number, email address, driver’s license, medical information, insurance information, employment information	You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer	Provide insurance services to Customers, and as required by law	Insurance Companies; State or Federal regulatory agencies; others as required by law
Protected Characteristics	Marital/familial status, medical condition, gender	You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer	Provide insurance services to Customers, and as required by law	Insurance Companies; State or Federal regulatory agencies; others as required by law
Biometric Information	Physiological, behavioral, and biological characteristics	You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer	Provide insurance services to Customers and as required by law	Insurance Companies; State or Federal regulatory agencies; others as required by law
Professional or Employment Information	Professional, educational, or employment-related information	You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer	Provide insurance services to Customers and as required by law	Insurance Companies; State or Federal regulatory agencies, others as required by law
Non-Public Educational Records	Educational records maintained by an educational institution	You, your parent/guardian your insurance producer	Provide insurance services to You or you or your parent/guardian.	Insurance Companies; State or Federal regulatory agencies; others as required by law

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing notice.

When we disclose PI to a service provider, we do so for a business purpose and pursuant to a written contract that describes the business purpose(s) for the disclosure, specifies the services to be performed, and prohibits the recipient from further using, retaining, or disclosing the PI other than as specified in the contract. We may also disclose PI pursuant to an exemption from the CCPA.

Your Rights and Choices

The CCPA provides California Consumers with specific rights regarding their personal information. You may also appoint a representative to exercise your rights. This section describes your CCPA rights and explains how to exercise those rights.

Access to Categories of Information and Specific Information Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. You are limited to two requests in a 12-month period. Once we receive and confirm your verifiable consumer request, we can disclose to you:

The categories of personal information we collected about you.
The categories of sources for the personal information we collected about you.
Our business or commercial purpose for collecting that personal information.
The categories of third parties with whom we share that personal information.
The specific pieces of personal information we collected about you.
If we disclosed your personal information for a business purpose, a list identifying the personal information categories that each category of recipient obtained.

Deletion Request Right

You (California consumers) have the right to request that we delete any of your personal information that we collected directly from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will your personal information from our records, unless an exception applies.

Verifiable Consumer Request

You may exercise your access and deletion rights described above by submitting a verifiable consumer request to us. A verifiable consumer request is a request made by a consumer, by a consumer on behalf of the consumer’s minor child, or by a person registered with the California Secretary of State and that we can reasonably verify that the consumer is the consumer about whom we have collected personal information.

To verify the consumer we will need your name and policy number.

Your request should also have sufficient detail that allows us to properly understand, evaluate, and respond to it. In other words, tell us if you are requesting categories of information we collect, specific information we collect, or requesting deletion of your personal information.

Verifiable consumer requests should be sent to us at the contact information below.

We will make commercially reasonable efforts to identify your PI and to respond to requests, but if we cannot identify your PI, we will tell you. You may submit additional information for us to search again. If there is irrelevant or voluminous data, we may provide a summary of that data or may request a fee for collecting and sending your PI to you. We may verify a requestor’s identity by matching known information internally or via an outside service.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request, unless the information was provided for another purpose.

“Do Not Sell”

We do not sell PI. In the preceding 12 months we have not sold PI as defined under the CCPA, and until such time as our practices change by updating this Privacy Notice, we will treat PI collected under this Privacy Statement as subject to a “do not sell” request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Minors

Our websites are not directed to children and we do not knowingly collect personal information from children.

Changes to Our Privacy Statement

We reserve the right to change this Privacy Statement at any time. We will place updates on our website.

Contact Information

If you have any questions or comments about this Privacy Statement – California – Commercial Insurance, our Privacy Policy, the ways in which we collect and use your PI, your choices and rights regarding such use, or wish to exercise your rights under California law, contact MSIG’s Privacy Officer by one of the following methods:

Mail: MSIG Insurance Services, Inc.
Attention: Privacy Officer
Privacy Inquiries
15 Independence Blvd., P.O. Box 4602
Warren, NJ 07059-0602

Email: privacyofficer@msig-na.com

Web: www.msigusa.com

Toll-free Number: 800-388-1802.

Last updated September 1, 2023