Protecting the Privacy of Information


RA&MCO Insurance Services (RA&MCO) is committed to protecting your privacy. This policy discloses our information use policies and practices in detail. Please read it to learn more about the ways we protect the information we collect, and to find out how you can limit the information about you that we share within the RA&MCO family of companies and with unaffiliated third parties external to RA&MCO. Be aware that limiting information sharing may result in your not learning about all the opportunities that may be important to you.

If you are comfortable with RA&MCO's handling of information we collect, you do not need to take any action at this time. Please read this policy and keep it for your records.

If RA&MCO changes its information practices, we will provide you notice of any material changes. This Privacy Policy supersedes all previous notices or statements with respect to subject matters described in this policy.


The policy applies to you
The descriptions in this Policy apply to our relationships with individual consumers who inquire about and/or obtain products or services from RA&MCO for personal, family and household purposes.

Strict security measures
RA&MCO takes the security of information very seriously and has established security standards and procedures to prevent unauthorized access to customer information. These standards exist for both our physical facilities and our online services. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard consumer information.

Limited employee access
To protect you, RA&MCO has policies and procedures to limit employee access to information to only those employees with a business reason for accessing such information. RA&MCO educates its employees about the importance of confidentiality and customer privacy. We take appropriate disciplinary measures to enforce employee responsibilities regarding customer information.

Why RA&MCO collects information
RA&MCO collects information about you to:

We collect information from:

RA&MCO has established procedures so that the financial information we collect is accurate, current and complete. RA&MCO is committed to working with you to promptly correct any inaccurate information.

The selective sharing of information
Depending on the type of relationship you have with RA&MCO, we may share information within the RA&MCO family of companies, as well as with unaffiliated third parties external to RA&MCO. RA&MCO reserves the right to share all information we collect as this policy describes.

We also disclose information to complete transactions initiated by you when you request or authorize the disclosure, or if the disclosure is required by law. At times it is necessary to disclose information to enforce or apply the terms and conditions of any agreement we have with you and to protect the rights, property, or safety of RA&MCO, our customers, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction.

Sharing within the HCC family
As a wholly-owned subsidiary of HCC Insurance Holdings, Inc. (HCC), we share information about you within the HCC family of companies in order to service you and your policy as completely as possible. RA&MCO's affiliates offer many services to its policyholders including claims management and adjustment. Under the law, RA&MCO is permitted to share identification information within the HCC family companies, as well as information related to the transactions and experiences we have with our customers. By sharing this information, RA&MCO is able to streamline claims processes to ensure you receive the service you need should a loss occur.

We also disclose information to nonaffiliated third parties as permitted by law. For example, we provide information to outside companies to perform services on our behalf, such as data analyses, bill payment, mail house services, printing and account statements, collection services and to government entities to respond to subpoenas and audits, to credit reporting agencies, and to reinsurers and financial auditors. Whatever the reason for sharing information, we require strict confidentiality by the receiving parties and limit the use of the information to the purpose for which it was disclosed.

Former customers: if you end your relationship with RA&MCO, we will adhere to the information policies and practices described in this policy.

For more information, or to opt out
If you would like more information about your options, or wish to opt out of information sharing, please call (800) 684-7475. If you have previously opted out, please be assured that your election will remain effective. You do not need to contact us unless you wish to change your election.

Your relationship with RA&MCO is a way for you to receive necessary insurance at a reasonable cost. We offer innovative products and personal attention. At the same time, we work hard to protect the confidentiality and security of information. Thank you for allowing us to provide you with the policies and services you need.

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