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At the Karl A. Bright Insurance Agency, Inc., we value our client’s privacy and we are committed to maintaining the confidentiality and security of the personal information that has been entrusted to us by our clients.

We do not sell nonpublic information nor buy nonpublic information from any source and only use information that is collected in order to process application, claims or obtain insurance services and products that you have requested of us.

OUR PRIVACY POLICIES AND PRACTICES

Information we collect:

We collect nonpublic personal information about you from the following sources.

• Information we receive from you on applications or other forms.

• Information about your transactions with us, our affiliates or others.

• Information we receive from the Registry of Motor Vehicles.

• Information we receive from medical records or medical professionals.

Information we may disclose to third parties:

            We may disclose the following kinds of nonpublic personal information about you:

• Information we receive from you on applications or other forms,

such as your name, address, social security number, assets, income

and beneficiaries.

• Information about your transactions with us, our affiliates or

others, such as your policy coverage, premiums, and payment history.              

• We also may disclose information about our customers or former

customers as permitted by law.

In the course of our general business practices, we may disclose the information that we collect (as described above) about you or others without your permission to the following types of institutions for the reasons described:

• To a third party if the disclosure will enable that party to perform

a business, professional or insurance function for us.

• To an insurance institution, agent, or credit reporting agency in

order to detect or prevent criminal activity, fraud or misrepresentation

in connection with an insurance transaction.

• To an insurance institution, agent, or credit-reporting agency

for either this agency or the entity to whom we disclose the information

to perform a function in connection with an insurance transaction

involving you.

• To a medical care institution or medical professional in order

to verify coverage or benefits, inform you of a medical problem

of which you may not be aware, or conduct an audit that would

enable us to verify treatment.

• To an insurance regulatory authority, law enforcement, or other

governmental authority in order to protect our interests in preventing

or prosecuting fraud, or if we believe that you have conducted

illegal activities.

• To a group policyholder for the purpose of reporting claims experience

or conducting an audit of our operations or services or an actuarial

or research organization for the purpose of conducting actuarial or

research studies.

Affiliates with whom we share certain information protected by the Fair Credit Reporting Act

We may share with our affiliated companies information about you,including:

• Information we obtain from your insurance application, such as your

income or your marital status.

• Information we obtain from a person regarding its employment or

other relationship with you, such as your employment history.

Our affiliated companies who may receive this information are:

• Financial service providers, such as: such as mortgage lenders

and brokers.

• Non-financial companies, such as: such as glass companies, insurance

companies, adjusters, body shops, claims related services and

registry related services.

Our practices regarding information confidentiality and security:

• We restrict access to nonpublic personal information about you to

those employees who need to know that information in order to provide

services to you. We maintain physical, electronic,

and procedural safeguards that comply with federal regulations to

guard your nonpublic personal information.

Reservation of the right to disclose information in circumstances:

• In connection with the potential sale or transfer of its interests,

Karl A. Bright Insurance Agency, Inc. reserves the right to sell or

transfer your information (including but not limited to your address,

name, age, sex, zip code, state and country of residency and other

information that you provide through other communications) to a third

party entity that:

• Agrees to be Karl A. Bright Insurance Agency, Inc.’s successor in interest

with regard to the maintenance and protection of the information

collected;

• Agrees to the obligations of this privacy statement.

After more than 60 years, we continue working to be a good corporate citizen and to
earn your trust as "a home for your business and family needs."

Privacy Policy

©2004 Bright Insurance Agency.
All Rights Reserved.