At Encompass, we value you as a customer and share your concerns about privacy. We hope this notice, which describes our use and protection of nonpublic personal information ("customer information"), will help you understand how we treat the customer information that we obtain from you or other sources in the course of providing you with products and services.

Encompass Insurance is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, non-profit organization whose mission is to enable individuals and organizations to establish trusting relationships based on respect for personal identity and information by promoting the use of fair information practices. This privacy statement covers the site www.Encompassinsurance.com. Because this Web site wants to demonstrate its commitment to our users' privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.

If users have questions or concerns regarding this statement, they should first contact Encompass Insurance Marketing by e-mail. If they do not receive acknowledgment of their inquiry or their inquiry is not satisfactorily addressed, they should then contact TRUSTe through the TRUSTe Watchdog Dispute Resolution Process. TRUSTe will serve as a liaison with the Web site to resolve users concerns.

We want you to know that Encompass respects your privacy and protects your information.

•  We do not sell customer information. 
• We do not share your information with persons, companies, or organizations outside of Encompass that would use that information to contact you about their products and services.
• We expect persons or organizations that provide services on our behalf to keep your information confidential. We also expect those persons or organizations to use your information only to provide the services we’ve asked them to perform.
• We convey to our employees about the need to protect your information. We have established safeguards (these are physical, electronic and procedural) to protect this information.

Below we've provided answers to questions that might be on your mind regarding privacy. You may be wondering …

What do we do with your information?
Encompass does not sell your customer or medical information to anyone. We do not share this information with companies or organizations outside of Encompass that would use it to contact you about their products and services. If that practice were to change, we would offer you the means to opt out of this type of information sharing. Also, we would obtain your consent before sharing your medical information for marketing purposes.

Your agent or broker may use your information to help you with your insurance needs. We may also communicate with you about products, features, and options in which you have expressed an interest. Without your consent, we may provide your information to persons or organizations in and out of Encompass. This would be done as permitted or required by law. We may do this to:

• Fulfill a transaction you have requested. 
• Service your policy. 
• Market our products to you. 
• Investigate or handle claims. 
• Detect or prevent fraud.  
• Participate in insurance support organizations. The information in a report prepared by an insurance organization may be retained by that organization and distributed to other persons. 
• Comply with lawful requests from regulatory and law enforcement authorities.

These persons or organizations may include:

• Our affiliated companies. 
• Companies that perform services, such as marketing, on our behalf. 
• Other financial institutions with which we have an agreement for the sale of financial products. 
• Independent claims adjusters. 
• A business or businesses that conduct actuarial or research studies. 
• Persons requesting information pursuant to a subpoena or court order. 
• Repair shops and recommended claims vendors.  
• Your agent or broker.

What kind of customer information do we have, and where did we get it?
Much of the information that we have about you comes from you. When you perform certain transactions, you may give us information such as your name, address, and Social Security Number. These transactions include when you submit an application for insurance, submit a request for insurance, submit a request for products and services we offer, or submit a request for an insurance quote. We keep information about the types of services you purchase from us and our affiliates. Examples of this include premiums, account balances, and payment history. We may collect information from outside sources such as consumer reporting agencies and health care providers. The information we collect may include the following:

•  Loss information reports.
• Motor vehicle reports. 
• Credit reports. 
• Medical information.

How do we protect your customer information?
We expect any company with whom we share your information to use it only to provide the service we have asked them to perform. Information about you is also available within Encompass. It is available to those people who may need to use it to fulfill and service the needs of our customers. We communicate the need to protect your information to all employees and agents. We especially communicate this need to people who have access to it. Plus, we have established physical, electronic, and procedural safeguards to protect your information.

Note that if your relationship with us ends, your information will remain protected. This protection will be provided according to our privacy practices outlined in this Important Notice.

How can you find out what information we have about you?
You may request to see, or obtain by mail, the information about you in our records. If you believe that our information is incomplete or inaccurate, you may request that we correct, add to, or delete from the disputed information. To fulfill your request, we may make arrangements to copy and disclose your information to you on our behalf. This may be done with an insurance support organization or a consumer reporting agency. You may also request a more complete description of the entities to which we disclose your information, or the conditions that might warrant such disclosures. Please send any of the requests listed above in writing to:

Encompass Insurance
PO Box 16200
Reading, PA 19612-6200
Attn: GLB

If you are an Internet user …
Encompassinsurance.com provides information about Encompass, our products, and the agencies and brokers that represent us. You may also perform certain transactions on the website. This Privacy Statement applies to users of encompassinsurance.com, regardless of whether the user is an Encompass Insurance customer.

We want to make sure our visitors feel very comfortable in dealing with Encompass Insurance on the Internet. In this spirit, we have developed the following policy regarding the privacy of the information we collect from our Web site visitors.

Do you log my activity on your site?
During the period you are logged onto our website, we record your IP address (a number assigned to your computer when you use the Internet), browser and platform type, domain name, access time, referral data and your activity while using or reviewing our site, but not your e-mail address unless you provide it to us.

Session ID Cookie
The Encompass Insurance website uses a session ID cookie to enable smooth and consistent navigation on our website. Use of this session ID is not linked to personally identifiable information on our site. Once the user closes their browser, the cookie simply terminates. We will not solicit you as a result of your accessing our Web site unless you request further information about our products or services.

Who should use our web site?
Our Web site relates to insurance 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.

Electronic Message and E-mail Security
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.

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 Insurance over the Internet?
We use a secure server implementing the Secure Sockets Layer (SSL) protocol to interact with you to safeguard the information you submit when you visit our Web site.

To help ensure the security of your personal and financial information that you submit to us (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.

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.

We take seriously the issue of safeguarding your privacy online. However, please note that you should exercise discretion with respect to the submission of any personal information via e-mail. Please keep in mind that transmitting information via e-mail over the Internet is never completely secure and thus any information submitted may be intercepted, collected, used or disclosed by others. If you are concerned about the security of your communication, we encourage you to send your correspondence to the address listed below. We are not responsible for the security or confidentiality of communication you send to us through the Internet using e-mail messages.

Whose Privacy Statement Applies to Links ad Co-Branded Sites?
This Web site contains links to other Internet sites (including but not limited to, sites owned and/or operated by FinanCenter, ImproveNet, Inc., Motorcycle Safety Foundation and the web sites of certain agencies that sell Encompass Insurance products) that are not controlled or maintained by Encompass Insurance. Encompass Insurance provides links to these other sites as a convenience to visitors to our 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, on an individual or aggregated basis, be shared with Encompass). Please be aware that Encompass Insurance is not responsible for the privacy practices or the content of such Web sites even though the Encompass Insurance name and/or logo may appear on those sites. We encourage you to be aware when you leave our site and to read the privacy policies of each and every Web site that you visit, as the privacy policies of those sites may differ from ours. Our Privacy Statement applies solely to this Website.

We hope you have found this Privacy Statement 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. Please be aware that we may periodically update or revise this Privacy Statement. If we change our online Privacy Statement, we will post a notice on our homepage notifying users that the policy has been revised. If you have any questions or would like more information, please don't hesitate to contact us as outlined above.

This notice is being provided on behalf of the following companies:

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