Builders Mutual's Privacy Policy

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In the course of providing our products and services to you, Builders Mutual Insurance Group may collect nonpublic personal information from you, or from third parties about you. Builders Mutual Insurance Group may gather information about you using credit reporting agencies or directly using written inquiries. As permitted or required by applicable law and regulatory requirements, your information may be processed by authorized service providers, including providers that may allow access to such information from locations outside of the United States.

Information we may obtain

Depending on the type of product or service we are providing, BMIG may obtain customer information, financial information, and/or health information about you.

  • Customer Information Customer information includes information we obtain from your application. You provide us with most of the information we need as part of the application process, such as your name, address, telephone number, and driver information.

    Customer information also includes information about your transactions with us and our service to you, such as your premium payment and claims history, accident information or medical information related to claims, as well as items such as payroll information, and motor vehicle reports.

  • Financial Information. Financial information is information covered by the Fair Credit Reporting Act and includes information such as your credit history, income, assets, type and value of other insurance products you own or for which you have applied, and the amount of insurance premiums you pay to other insurance companies. The kind of information we may gather depends on the type of policy or contract you have with us.
  • Health Information Health information includes information about your health and medical history, and your insurance underwriting risk factors.

Sharing information about you

We may share information about you in the normal course of conducting insurance operations, such as providing you with an insurance quote, processing, servicing, and administering your insurance policy and your claims. We are permitted by law to share information about you when you become a BMIG customer or claimant with, for example:

  • A third party that performs services for us, such as claims administration, claims investigations, appraisal or detection of fraud or misrepresentations;
  • Medical care providers where reasonably necessary for a purpose permitted by law;
  • Companies affiliated with Builders Mutual Insurance Group for purposes permitted by law;
  • Insurance regulatory authorities and reporting agencies;
  • Your State Motor Vehicle Department to obtain a report of any accidents or convictions;
  • Law enforcement agencies or other governmental authorities to report suspected illegal activities;
  • Persons or organizations conducting insurance actuarial or research studies, subject to appropriate confidentiality agreements; and
  • As otherwise permitted or required by law.

Independent Sales Agents

Sales agents representing BMIG are independent, and may gather and retain customer information, financial information and/or health information about you. The use and protection of that information by your agent is that agent’s responsibility, not the responsibility of BMIG. If you have any questions regarding the use and/or disclosure of information collected by the agent, please contact your agent.

Protecting Information Gathered

We will permit only authorized employees, who are trained in the proper handling of customer information, to have access to that information. Employees who violate our privacy policies will be subject to our normal disciplinary process.

We will not use or share, internally or externally, personally identifiable financial or health information for any purpose other than the underwriting or administration of your policy, claim or account, or as disclosed to you when the information is collected, or to which you consent.

How to Review and Correct Your Personal Information

If you ask us in writing to send personal information from your file to you, we will honor that request, except for certain documents related to claims and lawsuits. If you request medical information from your file, BMIG, at our option, will release the information either to you or a medical care professional designated by you in writing. Upon your written request, BMIG will inform you of the identities of persons or organizations to whom personal information about you has been furnished within the last two years.

We will inform you, upon your written request, whether or not a consumer report was requested, and if so, of the name and address of the consumer reporting agency that furnished the report.

If you believe any of our information about you is incorrect, please notify us in writing and we will investigate. We will correct any errors that we find. If we do not find any errors, you may file a statement with us that disputes the information in your file. We will send the correction or statement to anyone who received or will receive the original information. If you have any questions about the right of access to or correction of information in your file, please contact us at the address below and include a copy of some type of personal identification, such as a driver's license.

BUILDERS MUTUAL INSURANCE GROUP
P.O. BOX 150005
RALEIGH, NC 27624-0005

Thank you for allowing us to serve your insurance needs. We appreciate the trust you have placed in us.

Builders Mutual Internet Privacy Policy

The information on this site is provided strictly for informational purposes and is not meant to be a solicitation or an offer to sell in connection with any product or service, nor is the information a comprehensive description of all terms, conditions and exclusions applicable to the products and services available. Complete descriptions of the terms, conditions and exclusions of insurance coverages or other products or services may be obtained through your independent agent. Builders Mutual is a property and casualty insurance company, domiciled in North Carolina. Builders Mutual will not offer or sell insurance to residents of any states other than NC, SC, TN, FL, GA, MD, MS, VA, and the District of Columbia even though they are able to view this website.

Links to other internet sites that are not maintained by Builders Mutual may be accessed through this website. Such external internet addresses contain information created, published, maintained, or otherwise posted by organizations and entities independent of Builders Mutual. Builders Mutual is not responsible for the content of those sites nor does it approve, endorse or certify information available at any external site or linked addresses contained herein.

Information this Site Gathers/Tracks

The Builders Mutual website collects names, email addresses, postal information, phone numbers, only if the customer/client chooses to provide this information. When Builders Mutual asks the customer/client to provide this information it is so we can better serve you. We do not receive any information unless you choose to provide it to us. We have security measures in place to protect the loss, misuse, and alteration of information under our control.

This website contains links to other sites. This statement is for the sole use and purpose of Builders Mutual. Please be aware that we (Builders Mutual) are not responsible for the privacy practices of such other sites. We encourage you to read the privacy statements of each and every website that collects your personally identifiable information.

Sharing of the Information this Site Gathers/Tracks

Builders Mutual does not share any information we have gathered. The information is used to determine what the issues are, be able to contact you and service you better. This information is used for internal uses only. We do not provide this information to mailing lists, etc.

Correct/Update Policy

This site does not offer a way to change or update your information.

Delete/Deactivate Policy

This site does not offer a way to delete/deactivate your data.

Notification of Changes

If we decide to change our policy, we will post these changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it. Regardless of later updates, we will never use the information you submit under this current policy in a new way without first providing you an opportunity to opt-out or otherwise prevent that use.

If you have any questions regarding the privacy statement, please contact us.