PRIVACY NOTICE

The Cooperative of American Physicians Insurance Company (CAPIC) has adopted this Privacy Notice effective January 1, 2024.

 

OUR COMMITMENT TO OUR CLIENTS: WE RESPECT YOUR PRIVACY

CAPIC recognizes the confidence you place in us when sharing your personal information, and we respect and will protect your privacy. We are committed to protecting the security and confidentiality of your nonpublic personal information by maintaining appropriate safeguards in our data systems to prevent unauthorized access to your information.

 

TYPES OF INFORMATION WE COLLECT

CAPIC obtains personal information about its customers (including individuals who submit applications for coverage) in the normal course of conducting its business. This information may include names, dates of birth, gender, physical and email addresses, telephone numbers, Social Security numbers, taxpayer identification numbers. This information may be obtained from applications and other forms submitted by you, or an agent or broker on your behalf, from licensing or regulatory entities, or from defending claims in which you are a party, or from peer review documents.

 

HOW WE USE, SHARE, AND PROTECT YOUR INFORMATION

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

  • To fulfill or meet the reason you provided the information. For example, if you share personal information to request a price quote or ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new product orders or process returns.
  • To provide, support, personalize, and develop our products, website, and services.
  • To create, maintain, customize, and secure your account with us.
  • To process your requests, purchases, transactions, and payments and prevent transactional fraud.
  • To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
  • To deliver content and product and service offerings relevant to your interests, including targeted offers through our website, third-party sites, and via email or text message or other means of electronic transmission (with your consent, where required by law).
  • To help maintain the safety, security, and integrity of our Website, products and services, databases and other technology assets, and business.
  • For testing, research, analysis, and product development, including to develop and improve our Website, products, and services.
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
  • As described to you when collecting your personal information or as otherwise set forth in applicable state or federal law.

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

 

Sharing Personal Information

CAPIC may disclose your personal information to an affiliated company or third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

We share your personal information with the following categories of third parties:

  • Service providers
  • Data aggregators

We restrict access to your personal information to those employees or third parties who require the information to provide products or services you expect from a leader in the professional liability insurance industry. We will not disclose personal information to any non-affiliated third parties without your prior authorization, except as necessary to conduct our business or as permitted or required by law. CAPIC will not disclose your personal information for promotional purposes, and we will not sell, trade, or rent your information to third parties without your permission.

We follow generally accepted industry standards for privacy and security to protect the personal information you submit to us, both during transmission and once we receive it. If you have questions about security of the transmission of personal information, you can contact us at privacy@CAPphysicians.com. 

 

RETENTION OF DATA

We retain personal information when we have an ongoing legitimate business purpose or are legally required to do so. Our retention period depends upon the type of data involved. If we no longer have a legitimate business need to retain your data, we will either delete or anonymize it, or if that is not possible, we will securely maintain and isolate your data until deletion is possible and in accordance with applicable federal and state law.

 

CONTACT INFORMATION

CAPIC welcomes your comments regarding this Statement of Privacy. If you believe that CAPIC has not adhered to this Statement, please contact us at privacy@CAPphysicians.com. We will use commercially reasonable efforts to promptly determine and address any issue or concerns.