Privacy Policy

Our Commitment to Your Privacy

We are committed in providing our clients with excellent service. Doing business with a Property and Casualty insurance broker involves providing information about yourself, so protection of your personal information is one of our highest priorities.

Our brokerage and the insurance industry have a solid track record of respecting your right to privacy and safeguarding your personal information. As a result of federal legislation, we’ve further strengthened our privacy commitment by informing you of why and how we collect, use and disclose your personal information. You can be assured that we’ll only handle your personal information in a manner that a reasonable person would consider appropriate in the circumstances.

Why do we collect personal information?

When you first become a client or whenever you acquire or renew a product from us, we need to collect some of your personal information. Common purposes for which we collect your personal information are to:

• Enable us to acquire or renew an insurance policy for you;
• Assist you and assess your ongoing needs for insurance;
• Assess your need for other products, such as financial products, and to offer them to you;
• Ensure your information is accurate and up-to-date; and
• Protect us both against error or fraud

What personal information do we collect?

Personal information is information that identifies you as an individual client and relates specifically to you. Depending on the purpose(s) for which we need to collect it, we may ask for the following personal information about you including:

• Basic information such as your name, address, telephone and fax numbers, e-mail address,   birth-date, and marital status
• Claims history
• Credit and past payment records
• Driver’s record
• Details about your property such as the value of your home and its contents
• Medical information such as any condition that may affect the operation of a vehicle
• Employment information

We may obtain this information from:

• You
• Insurance companies
• Other insurance brokers or agents
• Credit organizations
• Motor vehicle and driver licensing authorities
• Financial institutions
• Medical professionals

Who do we disclose your personal information to?

For many of the purposes identified above, we will need to share your personal information with others in order to serve your needs. These other parties commonly include:

• Insurance companies
• Other insurance brokers or agents
• Credit organizations
• Professionals working with us such as adjusters or lawyers
• Financial institutions. For example, the organization that carries your mortgage

How do we protect your personal information?

In order to protect your personal information and right to privacy, we will:

• Not collect, use or disclose your personal information for any purpose other than those that we identify to you
• Keep your personal information only for as long as we need it to fulfill the stated purpose or as required by law
• Maintain your personal information in as accurate, complete and up-to-date a form as possible
• Safeguard your personal information to the best of our ability
• Respond to any request you may make to access or correct the personal information we hold about you
• Obtain the appropriate consent from you for the collection, use or disclosure of your personal information

Consent

We may obtain your express consent or we may determine that consent has been implied by the circumstances.

• We might ask you for your express consent in writing, for example in a signed consent or application form
• We may ask for your express consent in person or over the telephone or e-mail request
• We may determine that by seeking insurance through our organization, your consent has been implied for us to deal with your personal information in a reasonable manner

There are also legal exceptions in which we will not need to obtain your consent or explain the purposes for the collection, use or disclosure of your personal information. For example, this could apply when there is an emergency situation, or if it is necessary for your protection or ours.

You Can Control How We Handle Your Personal Information

We want you to know that you do have choices in this matter. You could refuse to allow us to obtain, use or share your personal information or you could also withdraw a previously given consent at any time.

However by doing that, depending on the situation, you may be limiting or even preventing our ability to provide you with the product or service you desire.
For example, if you do not allow us to obtain information about your driving record, it is unlikely that we will be able to provide you with auto insurance.

We’ll be happy to discuss particular situations with you to help you with your decision.

Our Broker Compensation

Your business is extremely important to us, and we thank you for choosing Rozon Insurance Brokers Ltd., to service your insurance needs.  As your Independent Insurance Broker, we purchase insurance products and services on your behalf that are available, affordable and understandable.

Our role is to provide you with the best insurance value that combines coverage, service and price.

We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support.  When any issue arises regarding your insurance coverage, we are your advocate, using our professional experience to best represent your individual interest.

Brokerage compensation is part of your insurance premium.  For your benefit, we are providing you with a list of Automobile and Property insurers that we represent on a contractual basis and have included the range of compensation each provides as a percentage of your overall premium.  Please see the table on the reverse for this list.

 In order for us to maintain strong relationships with quality Insurers, we work with each to provide the type of business they desire.  The Insurers shown on the table with an asterisk (*) recognize our efforts through a Contingent (Profit) Commission contract.  Payment of this Contingent (Profit) Commission may depend on a combination of growth, profitability (loss ratio), volume, retention and increased services that we provide on behalf of the Insurer.  Contingent (Profit) Commission is not guaranteed.

For detailed information on Contingent Commission, please visit the individual company’s website.

Your insurer provides a Consumer Code of Rights and Responsibilities, which is included with your policy.  If you have any questions regarding this, or any other aspect of your insurance, please contact us.

Automobile and Property Insurers that we represent on a contractual basis showing the range of compensation each provides as a percentage of your overall premium: