Schirick & Associates Insurance Brokers, Inc. (Schirick & Associates) is an independent insurance broker, although there are a few instances where we act as an agent on behalf of an insurance company. We primarily provide commercial insurance products to businesses. Schirick & Associates has no subsidiaries and is not affiliated with any bank, insurance company, or any other financial institution.
It is important for you to realize that without the various laws and regulations Schirick & Associates is committed to protecting your privacy rights. We have created this document to explain our privacy policy, because we want to comply with both state and federal laws, requiring insurance agencies (as well as all financial institutions) to notify customers about how your nonpublic personal financial information gathered in the course of doing business with us is used and protected.
Information We Collect
We collect nonpublic personal information about you from the following sources:
- Facts about you and your business provided on various applications and questionnaires for insurance products. This includes driver license numbers, and social security numbers.
- Financial Information you provide, such as Financial Statements, payment history, Value of Real Estate, Value of Jewelry, Bank Account Numbers, and Credit Card Numbers, and similar information about financial transactions.
- Loss and Premium History on your previous insurance policies.
- Information we keep about your transactions with us.
- Information we receive from third parties, such as services to check driver license history, consumer reporting agencies, or organizations that maintain experience history such as Workers Compensation Rating organizations.
- Health information in connection with claims and other insurance transactions.
We intend to limit the amount of nonpublic personal information we gather to the categories and types listed above. If we gather other information in the future you will be advised by an amended Privacy Policy Notice.
Information We May Disclose To Third Parties
We don't disclose any nonpublic financial information about our customers, or former customers to anyone, except as part of the insurance transaction, and as permitted by law.
Our Practices Regarding Information Confidentiality and Security
We restrict access to nonpublic personal information about you to employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulation to guard your nonpublic personal information. We destroy by shredding any paper with credit card information after authorized use to pay premiums. We do not keep credit card information in an electronic database, where they may be compromised, or stolen.
Reservation Of The Right To Disclose Information In An Unforeseen Circumstance
Schirick & Associates reserves the right to sell, or transfer your information to a third party entity that might succeed Schirick & Associates in the future, but only if the third party agrees to the obligations of this privacy statement.
