Encompass^® Privacy Policy Statement

Effective May 4, 2022

Thank you for choosing Encompass. We value you, respect your privacy, and work hard to protect your personal information.

This policy statement is provided on behalf of Encompass Insurance Company and the affiliates (“Encompass”) listed at the end of this notice. We would like to explain how we collect, use and share the information we obtain about you in the course of doing business while on our site www.EncompassInsured.com. It also describes the choices available to you regarding the use of, your access to, and how to update and correct your personal information.

California residents: please click here to read the California Online Privacy Statement Supplement

Our Privacy Assurance

• We do not sell your personal or medical information to anyone.
• We do not share your information with non-affiliate companies that would use it to contact you about their own products and services unless permitted pursuant to a joint marketing agreement.
• We require persons or organizations that represent or assist us in servicing your policy and claims to keep your information confidential.
• We require employees to protect your personal information and keep it confidential.
• Access to Social Security Numbers (SSN), Date of Birth (DOB), payment information, and other sensitive personal information is limited to those individuals (employees, agents, and others) who need access for business purposes including compliance with the law, providing you with products and services, and handling your claims.
• Our privacy practices continue to apply to your information even if you cease to be an Encompass customer.

What Personal Information Do We Have and Where Do We Get It

We gather personal information from you and from outside sources for business purposes, including carrying out the requested product and services, responding to customer service requests, administering your account, and sending you newsletters and other service related correspondence. Some examples of the information we collect from you may include your name, phone number, home and e-mail addresses, driver’s license number, date of birth, Social Security Number, marital status, family member information, payment information and healthcare information. Also, we maintain records that include but are not limited to policy coverages, premiums, and payment history. We also collect information from outside sources that may include but are not limited to your driving record, claims history, medical information and credit information.

How We Use and Share Your Personal Information

In the course of normal business activities, we use and share your personal information with persons or organizations within and outside of Encompass. This would be done as required or permitted by law. For example, we may do this to:

• Fulfill a transaction you requested or service your policy
• Market our products
• Handle your claim
• Prevent fraud
• Comply with requests from regulatory and law enforcement authorities. In certain situations, we may be required to disclose personal data in response to lawful request by public authorities, including to meet national security or law enforcement requirements. We may disclose your personal information as required by law, such as to comply with a subpoena or other legal process, when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.
• Participate in insurance support organizations
• Send you push notifications. If you no longer wish to receive these types of communications, you may turn them off at the device level. To ensure you receive proper notifications, we will need to collect certain information about your device such as operating system and user identification information.

The persons or organizations with whom we may share your personal information may include, among others:

• Your agent, broker or affiliated companies
• Companies that perform services, such as marketing, credit/debit card processing, and communication services on our behalf
• Business partners that assist us with tracking how visitors use Encompassinsured.com
• Other financial institutions with whom we have an agreement for the sale of financial products
• Other insurance companies that play a role in an insurance transaction with you
  
• Independent claims adjusters
• A business or businesses that conduct actuarial or research studies
• Those who request information pursuant to a subpoena or court order
• Repair shops and recommended claims vendors

We will share your personal information with third parties only in the ways that are described in this privacy statement

Mobile Analytics

We use Mobile analytics software to allow us to better understand the functionality of our Mobile Software on your phone. This software may record information such as how often you use the application, the events that occur within the application, aggregated usage, performance data, and where the application was downloaded from. We will link the information we store within the analytics software to any personally identifiable information you submit within the mobile app.

Location Services

If you choose, your location is obtained from the mobile device or the network using your device’s GPS functionality, or directly from you. We use your location information to

• search for information you request – including agent searches
• identify the location of an accident you are reporting

Your location information is stored on our servers and retained by Encompass until you delete the application from your device. When we execute such searches on your behalf we do not transfer your identity or personally identifiable information to third parties, other than with service providers necessary to help perform this function. This information is not used to create a profile about you or your activities.

To prevent Encompass from using your current location, you can disable the GPS functionality on your mobile device or choose not to submit current location when prompted.

The Internet and Your Information Security

Our web site provides information about us, our products, and the agencies and brokers that represent us. You may also perform some transactions on the web site. This Privacy Statement applies to users of www.Encompassinsured.com, regardless of whether the user is an Encompass customer.

As true of most web sites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) address, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data.

Use of Cookies and Other Similar Tracking Technologies

We or our third-party marketing partners (such as Google Analytics and Adobe Analytics) use cookies, analytics, re-marketing and other similar tracking technologies to help us provide users with a better service and a more customized web experience. Additionally, our business partners use tracking services, analytics and other technologies to monitor visits to encompassinsured.com. The website may also use web beacons (also called “clear GIFs” or “pixel tags”) in conjunction with cookies. If you prefer, you can choose to not accept cookies by changing the settings on your web browser. Many commercial Internet sites use cookies; a cookie enables the site to label you as a particular user, but it does not identify you by name or address unless you have provided us with such information (over the Internet or otherwise) or set up preferences in your browser to do so automatically.

Cookies allow us to provide you with a more customized service and are used to track and measure Web site usage. This information may be used to manage and customize our Web site’s content, layout, and services in order to improve our site, enhance customer service, and provide tailored messages.

You may opt out of accepting cookies by changing the settings on your browser. However, rejecting cookies may prevent you from using certain functions and you may have to repeatedly enter information to take advantage of services or promotions.

The information we collect through your use of this site (such as your internet service provider, your e-mail address, and personal information you give us in addition to your e-mail address) is not sold or in any way voluntarily disclosed to third parties, except our agents, affiliates and subsidiaries, unless disclosure is required by law. We collect and keep this information for the purpose of answering your e-mail and measuring your interest in the various sections of our Web site. By storing this information, we can provide you with a more personalized Web experience and more efficiently deliver relevant content and product offerings to users of our Web site.

How You Can Review and Correct Your Personal Information

You can request to review your personal information contained in our records at any time. To do this, please send a letter to the address below requesting to see your information for the previous two years. If you believe that our information is incomplete or inaccurate, you can request that we correct it. Please note we may not be able to provide information relating to investigations, claims, litigation, and other matters. We will be happy to make corrections whenever possible. We will respond to all such requests within a reasonable timeframe.

Please send requests to:

Encompass Insurance Company
Customer Privacy Inquiries
P.O. Box 660598
Dallas, TX 75266-0598.

Who Should Use Our Web Site?

Our Web site is for insurance and financial products and services and is not intended for children; we do not market any products or services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen. If we become aware that information is or has been submitted by or collected from a child under the age of thirteen, we will delete this information.

What Security Procedures Do We Use to Guard Against the Loss, Misuse, Alteration, or Theft of Information While That Information Is Being Submitted to Encompass Over the Internet?

To help ensure the security of your personal and financial information that you submit to this site (other than via an e-mail message), we use security software to encrypt the information before and during its transmission through the Internet. We only allow information to be submitted for transmission if your browser is compatible with our security software. If your browser is not compatible, you will receive a message indicating your transaction can be completed but at a lower level of security. No method of transmission over the internet, or method of electronic storage is 100% secure, therefore we cannot guarantee its absolute security.


E-mail messages are not secure. Our security software does not encrypt e-mail messages. E-mail messages traveling through the Internet are subject to viewing, alteration, and copying by potentially anyone on the Internet.
You should exercise discretion with respect to the submission of any personal or financial information via e-mail. If you are concerned about the security of your communication, we encourage you to send your correspondence through the postal service or use the telephone to speak directly to us. We are not responsible for the security or confidentiality of communications you send to us through the Internet using e-mail messages.

What Can You Do as a Customer to Help Maintain the Security of Information When Accessing Encompass Over the Internet?

Some steps you can take to maintain the security of your information include:

• Utilize the latest, updated version of your Web browser.
• Keep your User ID and password confidential. Utilize a password unique to you and, if possible, change it frequently.
• Make sure others are not watching you enter your User ID and password on your keyboard when using protected areas of Encompassinsured.com
• Do not leave your computer unattended while logged onto protected areas of Encompassinsured.com. After you’ve finished accessing your information, always make sure to log out, and close your browser window.

Whose Privacy Statement Applies to Links and Co-Branded Sites?

Encompass provides links to other sites as a convenience to persons who visit the Encompass web site. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information (some of which may be shared with Encompass). Please be aware that Encompass is not responsible for the privacy practices of those sites. We encourage you to be aware when you leave our site and to read the privacy policies of every Web site that you visit, as the privacy policies of those sites may differ from ours. Our Privacy Statement applies solely to this Web site.

Social Media (Features) and Widgets

Our Web site includes Social Media Features, such as the Facebook Like button [and Widgets, such as the Share this button or interactive mini-programs that run on our site]. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Your Preference for Sharing Personal Information

We would like to share your personal information with one or more Encompass affiliates in order to make you aware of different products, services and offers they can provide.

You can request that Encompass and its affiliate companies not share your personal information with our affiliates for marketing products and services by calling 1-800-856-2518 twenty-four hours a day, seven days a week. Please keep in mind that it may take up to four weeks to process your request. If you previously contacted us and asked us not to allow other Encompass affiliates to use your personal information, your previous choice still applies and you do not need to contact us again. If you would like to change your previous choice, please call the number above at any time.

Changes to Online Privacy Policy

Please be aware that we may periodically update or revise this Privacy Statement. Please take a look at the revised date at the top of the page to see when this Privacy Policy was last revised. Each of our customers receives a copy of our privacy policy annually. We reserve the right to change our Privacy practices, procedures and terms.

We hope you have found this Important Notice helpful. If you are not comfortable with any of the terms or policies described in this Privacy Statement, we ask that you discontinue use of our site. We appreciate your business. If you have questions or would like more information, please don’t hesitate to contact us as outlined above.

Encompass Insurance Company

Encompass affiliates include:

Encompass Floridian Insurance Company, Encompass Floridian Indemnity Company, Encompass Home and Auto Insurance Company, Encompass Indemnity Company, Encompass Independent Insurance Company, Encompass Insurance Company of America, Encompass Insurance Company of Massachusetts, Encompass Insurance Company of New Jersey, Encompass Property and Casualty Company, Encompass Property and Casualty Insurance Company of New Jersey, Encompass Insurance Company

State Specific Information

For California residents:
Pursuant to California law, we need to disclose to you that we would obtain your consent before sharing medical information for marketing purposes.

For Vermont residents:
We won’t share your personal information with Encompass companies for marketing purposes except as allowed by Vermont law.