Privacy Policy - Chubb Canada
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Privacy Policy

Chubb Insurance Company of Canada (“Chubb”¹) has been a long-standing, trusted provider of insurance to Canadian companies and individuals. Chubb has earned that trust in part by its careful treatment of the personal information that customers entrust to our care in order that we can serve their insurance needs. Chubb does not sell personal information and Chubb staff is trained to treat personal information confidentially and with respect.

Why Chubb Collects and Discloses Personal Information:

Chubb collects, uses, and discloses personal information only for the purposes of serving the insurance related needs of Chubb customers which includes current and past policyholders and insureds or applicants for insurance.  This may include: evaluating, monitoring and assessing insurance needs, providing risk management services, underwriting, rating, binding, and issuing insurance policies and providing all policy related, marketing or administrative services, including verifying information, loss control, compliance with regulatory requirements and claims investigation, surveillance, detecting and preventing fraud, adjustment and coverage assessment.  This also includes collecting and disclosing personal information about third parties with respect to claims made against Chubb customers.

The Kinds of Personal Information Chubb Collects:

Chubb collects different types of personal information depending on the purpose for collection.  For example, Chubb may collect property descriptions, claims histories, driving records, employment information, medical and health information and financial information.

How Chubb Obtains Personal Information:

Most of the personal information collected by Chubb is provided to us by insurance brokers or agents with your consent.  If an insurance broker or agent tells Chubb that we have a customer’s consent to collect and use personal information, we will rely on that statement. Chubb also obtains personal information from various third party sources as part of the underwriting process and as part of the claims process.  For instance, when we underwrite automobile insurance, we may obtain a record of driving offences and, where permitted by law, your credit information.  We may also obtain claims or underwriting information from other insurance companies or insurance industry sources.  When we insure the directors, officers, employees, representatives or contractors of a company, we may obtain personal information about those individuals from the company.  When we investigate and adjust claims, we may gather personal information from our customers, insurance brokers, agents, or from third party sources.  Chubb may obtain your consent and collect such information directly or through insurance adjusters, private investigators or lawyers representing Chubb or our insured. 

Chubb’s Disclosure of Personal Information:

Chubb discloses personal information, including to its affiliated companies in other jurisdictions, only for the reasons listed above or if required to do so by law.  By way of example, in order to provide various claims services we frequently disclose personal information to third party service providers and others.  These would include insureds, insurance brokers, insurance adjusters, windshield repair companies, automobile repair shops, contractors, construction companies, investigators, engineers, accountants, lawyers, and others. When Chubb discloses personal information to insurance industry associations or service providers, the service providers are required to protect your privacy.

Similarly, Chubb may disclose personal information to obtain further personal information required for underwriting purposes.  For instance, a name and insurance policy number may need to be provided to another insurance company to obtain a claims history.

We obtain your consent to disclose your personal information when required.  Generally, consent to disclosure is obtained by the insurance broker or agent (this consent may be obtained when the customer applies for or renews the insurance policy), by Chubb, or by the service provider.  In appropriate circumstances, your consent may be implied. If an insurance broker or agent tells Chubb that we have a customer’s consent to disclose information, we will rely on that information.

As a member of a global group of companies, there may be circumstances where Chubb discloses your personal information to our parent company, other affiliates, joint venture partners, employees, service providers, agents, reinsurers and any of their service providers, some of whom may be located in jurisdictions outside Canada, and your personal information may be subject to the laws of those foreign jurisdictions.  When your personal information is disclosed to other parties, those parties are required to protect the confidentiality of your personal information in a manner that is consistent with our privacy policy and practices. You can obtain written information about Chubb's policies and practices with respect to the use of service providers outside Canada by contacting the Privacy Officer.

When Your Consent is Not Required:

Please note that your knowledge and consent for the collection, use and disclosure of personal information are not required in some circumstances that are set out in privacy legislation.

How Chubb Ensures the Security of Personal Information:

Personal information recorded in documents is securely stored at Chubb’s offices in Canada and at offices of Chubb’s affiliated companies.  Electronically recorded information is stored on computer systems maintained by Chubb and Chubb’s affiliated companies.  Those computer systems and the information stored in them are protected by electronic security systems.

Chubb and its affiliated companies restrict access to personal information and Chubb employees, contractors and representatives can only access personal information when they have a legitimate business reason.  Chubb employees receive training on how to protect personal information and they are under obligation to respect privacy laws, this policy, and our Code of Conduct.

It is the responsibility of the Privacy Officer to ensure that Chubb complies with privacy laws and with this policy.

Retention of personal information:

We will only keep personal information for as long as is necessary or as required by law.

Accuracy and Access to Personal Information: 

Chubb is committed to keeping accurate records of the personal information we hold and you have the right to access the personal information we hold about you. You can request us to correct any personal information about you that is inaccurate, incomplete, ambiguous or collected improperly.. The request must be sent in writing to the Chubb Privacy Officer. Please note that there are certain circumstances where the law does not require us to provide you with access.

Withdrawal of Consent:

Generally, you may refuse or withdraw your consent to the collection, use or disclosure of your personal information at any time except in some circumstances. Please be aware that if you withdraw your consent, we may no longer be able to provide you with insurance coverage and services. If you wish to withdraw or alter your consent, please write to the Chubb Privacy Officer.

Online Privacy Policy:

Chubb’s Online Privacy Policy sets out how we protect your privacy when you access our website. Please refer to “Online Privacy Policy” at http://www.embed

Amendments: 

Chubb may amend this policy from time to time.  A current version of the Privacy Policy is always available on our website under “Canada’s Privacy Policy” at http://www.embed link .

Further Information:

Requests for further information, personal information access or complaints about Chubb’s handling of personal information can be made by writing to Chubb’s Privacy Officer at:

199 Bay Street, Suite 2500

P.O. Box 139, Commerce Court Postal Station,

Toronto, ON M5L 1E2,

Canada

Attention:  Privacy Officer 

1This policy also applies to the Canadian branch of Federal Insurance Company and Chubb Life Insurance Company of Canada, all of which are affiliates of Chubb Insurance Company of Canada.