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Privacy issues
Privacy of insurance information
We ran into a problem when an insurance company asked a youthful driver to fill out a driver questionnaire. The parents objected and said they did not want their son to fill out the questionnaire unless it would remain confidential. What can we do to reassure the parents?
Disposal of client files
What would be the best way to dispose of client files when they contain private information such as Social Security numbers or federal I.D. numbers? Is recycling at the local center acceptable or is it best to shred?
Access to customer information maintained by company
Some companies provide access to policyholder information such as declaration pages to their producers through their website. When the company terminates the producer’s appointment, is the company required to continue to provide the terminated agent access to this information?
Privacy notices—insurance agency responsibilities
The insurer sends out privacy notices to my clients. Should I, as an agency owner (producer, manager, compliance officer), send agency-specific privacy notices also?
Privacy—auto claim involving Medicare insured
Recently, one of our insureds was in an accident and, in the course of processing her claim, the insurance company required the insured’s Social Security number. The company claimed they needed the Social Security number because of a new federal law and that Medicare was involved. Is this so? What’s the story here?
Electronic privacy notices
Sending out the GLBA privacy notices is expensive and time consuming. Can I deliver the GLBA privacy notices by email?
Employee theft of data
I’m looking for coverage information to properly provide insurance coverage for an insured whose employee “steals” the identity of their customers whether it be information taken from a physical file or information taken from a computer, file server or the internet. What coverage would be needed for the insured to protect those clients whose information was stolen?
CGL—data breach
Is there any coverage in the commercial general liability policy for a data breach?
Sharing with a consultant
I have a client who has retained an insurance consultant. The insurance consultant has, in the past, wanted to see copies of the policies, but is now looking for copies of other material I have prepared in placing the client’s policy. This concerns me for a number of reasons, such as not knowing how the consultant will protect my work product, and what harm could come to me should it get lost.
Connecticut data breach notifications
What are the legal requirements of an agency that has experienced a data breach?