Insurance Client Privacy Notice


What Does Hagerty Do With Your Personal Information?


Why?

Financial companies (including insurance companies) choose how they share your personal information. Federal and state law gives consumers the right to limit some but not all sharing. These laws also require us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security Number and credit history
  • Credit score and credit-based insurance score’s*
  • Transaction or loss history and insurance claim history
  • Medical information

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons Hagerty may choose to share; and whether you can limit this sharing.

Reasons we can share
your personal information		Does Hagerty share?  Can you limit this sharing?
For our everyday business
purposes—For example: to
process your transactions, maintain
your account(s), respond to court
orders and legal investigations, or
report to credit bureaus		YesNo
For our marketing purposes—
to offer our products and services
to you		YesNo
For joint marketing with other
financial companies		Yes†No
For our affiliates’ everyday business purposes — information about your transactions and experiencesYesNo
For our affiliates’ everyday business purposes — information about your creditworthiness

Yes

Yes, see “To limit our sharing” below
For our affiliates to market to youYesYes, see “To limit our sharing” below
For nonaffiliates to market to youYesYes, see “To limit our sharing” below

To Limit Our Sharing

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call at 800.922.4050 or email privacy@hagerty.com

Who we are


Who is providing this notice?

This privacy notice is provided by the Hagerty family of companies, including the Affiliates listed below.

What we do


How does Hagerty protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Hagerty collect my personal information?

We collect your personal information, for example, when you:

  • give us your contact information
  • apply for insurance
  • pay insurance premiums
  • file an insurance claim
  • pay us by check

We also collect your personal information from others, such as credit bureaus, Affiliates, or other companies.

Why can’t I limit all sharing?

Federal laws give you the right to limit only:

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your personal information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions


Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Our affiliates include companies with a Hagerty name; financial companies such as HagertyRe, LLC, Broad Arrow Capital, LLC; nonfinancial companies, such as Hagerty Drivers Club, LLC Hagerty Media Services, LLC, Broad Arrow Group, Inc.; and others, such as The Hagerty Group, LLC.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Nonaffiliates we share with can include insurance companies, insurance agencies and brokerages, and direct marketing companies that market on Hagerty’s behalf.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include insurance agencies and insurance companies.

Other important information


NOTICE OF INFORMATION PRACTICES

For Residents of Arizona, California, Connecticut, Georgia, Illinois, Maine, Massachusetts, Minnesota, Montana, New Jersey, Nevada, North Carolina, Ohio, Oregon, and Virginia

These states require insurers and agents to provide both a Privacy Notice and a description of our information practices. While the two are similar, here is a summary of our information practices:

  • Information we collect. We may collect information about you and others applying for insurance. Some of this information comes directly from you, and some may come from other sources.
  • How we use and share information. We may share the information we collect with third parties such as our agents, affiliates, service providers, and others as allowed by law. In some cases, we may need your specific authorization before sharing.
  • Your rights. Depending on your state, you may have the right to access, correct, and in some cases delete inaccurate information about you. These rights generally do not apply to information related to insurance claims or legal proceedings.
  • Our response. If you submit a request to exercise your rights, we will respond within 30 days. We may deny your request if the information is accurate, legally required, needed to protect our legal interests, or otherwise permitted by law. If we deny your request, you may have the right to submit a written statement explaining why you disagree.
  • Decisions about coverage. If your coverage is denied or your application is delayed, you may request a written explanation of the specific reasons.

How to exercise your rights or request more information

You can view our full Notice of Information Practices at https://www.hagerty.com/legal/notice-of-information-practices. Additional details about our privacy practices can also be found at https://www.hagerty.com/legal/privacy-notice.

STATE-SPECIFIC DISCLOSURES

We collect, use, and store your personal information as required by federal privacy laws. If your state’s laws give you stronger privacy protections than federal law, we will follow those state requirements as well.

YOUR AUTHORIZATION REQUIRED

For residents of Arizona, California, Maine, Massachusetts, Minnesota, Montana, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oregon, and Virginia:

We do not share your personal information with companies outside our family of companies (and in some cases, even with our Affiliates) unless they are our agents or service providers, you give us permission, or the law allows us to do so. You have the right to authorize or not authorize this sharing of personal information.

FOR VERMONT CUSTOMERS

We do not share information about your creditworthiness with our affiliates. We also do not share your personal, financial, credit, or health information with companies outside of Hagerty so they can market to you—unless Vermont law allows it or you give us permission.

For more details about our privacy practices, please visit hagerty.com/legal/privacy-notice or call us at 800-922-4050.

FOR NEW MEXICO “PROTECTED PERSONS”

New Mexico law, through the Domestic Abuse Insurance Protection Act (DAIPA), gives extra protections to people who are victims of domestic abuse.

What is “confidential abuse information”?

This means information related to acts of domestic abuse or a person’s status as a victim of abuse. It also includes a victim’s home or work address, phone number, and information about people closely connected to the victim.

Who is a “protected person”?

A “protected person” is someone who is a victim of domestic abuse and is also one of the following:

  • The named insured on a property or casualty policy
  • The owner of a policy
  • An applicant for a policy, a claimant under a policy, or someone seeking coverage under a policy covered by DAIPA
  • A person or organization that provides shelter, advocacy, protection, or counseling to abuse victims
How to designate yourself as a protected person:
  • If you are a policyholder, call us at 855-430-5310.
  • If you are a claimant, notify your claim handler.

Your protected status will stay in place until you change it.

Our responsibilities:

We have procedures in place to prevent the illegal or unauthorized disclosure of confidential abuse information. Even during a claim investigation (which insurers are still permitted to conduct), we must take steps to safeguard this information. Confidential abuse information can sometimes be received from people other than the victim, but “protected persons” have the right to access and request corrections to any such information we maintain.

ADDITONAL RIGHTS UNDER THE CALIFORNIA CONSUMER PRIVACY ACT (CCPA)

The California Consumer Privacy Act (CCPA) gives California residents certain privacy rights with respect to the limited non-public personal information we collect. These rights are:

  • the right to notice of the personal information we collect;
  • the right to know the categories, sources and specific pieces of personal information we have collected about you, including our purpose for collecting the information and the categories of third parties with whom we share that personal information, subject to certain exceptions;
  • the right to delete some or all of the personal information we collect, subject to certain exceptions; and
  • the right to opt-out of our sale of your personal information or sharing for cross-contextual behavioral advertising purposes, if we sell your personal information or share it for those purposes.
  • the right to limit the use and disclosure of sensitive personal information we have collected about you to only those purposes necessary to provide our services.

CCPA rights are limited and do not apply to any of the personal information (described on Page 1) that we have collected from you and about you in connection with providing you an insurance or financial product or service.

The personal information we collect that is subject to the CCPA includes some of your internet and network activity (such as your browsing history, Internet Protocol address and interactions with our website) and inferences drawn about you from this information, such as your preferences, aptitudes and abilities. We may share this information with our service providers for a business purpose. We do not sell personal information about current or former customers to any third parties. We may share your personal information by allowing third-party advertising cookies to be placed on your browser or mobile device when you visit our website. You may opt-out of sharing your personal information for cross-context behavioral advertising, including through third-party cookies. To learn how to exercise your rights under the CCPA or if you wish to see a more detailed explanation of your rights, please visit our website at https://www.hagerty.com/corporate/privacy-policy or contact us via email at privacy@hagerty.com.

* Information from consumer reports may also be collected on other individuals listed as policyholders, other drivers, or household members. This information is not shared for marketing purposes or as otherwise prohibited by law.

† Only when permitted by state law.

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