(Excluding Workers’ Compensation)
Effective January 1, 2020
Liberty Mutual Group and its affiliates, subsidiaries, and partners (collectively “Liberty Mutual” or “we”, “us” and “our”) provide insurance to companies and other insurers. This Privacy Notice explains how we gather use, and share your data. This Privacy Notice applies to you if you are a Liberty Mutual commercial line insured or are a commercial line claimant residing outside of California. It does not apply to covered employees or claimants under Workers’ Compensation policies. If this notice does not apply to you, go to the main privacy page to review the applicable Liberty Mutual privacy notice.
What Data Does Liberty Mutual Gather?
We may collect the following categories of data:
- Identifiers, including a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security Number, driver’s license number, or other similar identifiers;
- Personal information such as your name, signature, Social Security Number, physical characteristics or description, address, telephone number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, financial information, medical information, or health insurance information;
- Protected classification characteristics, including age, race, color, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, or veteran or military status;
- Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories and tendencies;
- Internet or other similar network activity, including browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement;
- Professional or employment related information, including current or past job history or performance evaluations;
- Inferences drawn from other personal information, such as a profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes;
- Risk data, including data about your driving and/or accident history; this may include data from consumer reporting agencies, such as your motor vehicle records and loss history information, health data, or criminal convictions; and
- Claims data, including data about your previous and current claims, which may include data regarding your health, criminal convictions, third party reports, or other personal data.
How We Get the Personal Data:
We gather your personal data directly from you. For example, you provide us with data when you: |
We also gather your personal data from other people. For example: |
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How Does Liberty Mutual Use My Data?
Liberty Mutual uses your data to provide you with our products and services, and as otherwise provided in this Privacy Notice. Your data may be used to:
Business Purpose |
Data Categories |
Market, sell and provide insurance. This includes for example:
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Manage your claim. This includes, for example:
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Day to Day Business and Insurance Operations. This includes, for example:
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Security and Fraud Detection. This includes for example:
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Regulatory and Legal Requirements. This includes for example:
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Improve Your Customer Experience and Our Products. This includes for example:
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Analytics to identify, understand and manage our risks and products. This includes for example:
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Customer service and technical support. This includes for example:
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How Does Liberty Mutual Share My Data?
Liberty Mutual shares personal data of with the following categories of third parties:
- Liberty Mutual affiliates;
- Service Providers;
- Public entities and institutions (e.g. regulatory, quasi-regulatory, tax or other authorities, law enforcement agencies, courts, arbitrational bodies, and fraud prevention agencies);
- Professional advisors including law firms, accountants, auditors, and tax advisors;
- Insurers, re-insurers, policy holders, and claimants; and
- As permitted by law.
Liberty Mutual shares the following categories of personal data to service providers for business purposes:
- Identifiers
- Personal Data;
- Protected Classification Characteristics;
- Commercial Information;
- Internet or other similar network activity;
- Claims Data;
- Inferences drawn from other personal information;
- Risk Data;
- Professional, employment, and education information;
Will Liberty Mutual Update This Privacy Notice?
We reserve the right to makes changes to this notice at any time and for any reason. The updated version of this policy will be effective once it is accessible. You are responsible for reviewing this policy to stay informed of any changes or updates.
Who Do I Contact Regarding Privacy?
If you have any questions or comments about this Notice please do not hesitate to contact Liberty Mutual at:
Phone: 800-344-0197
Email: privacy@libertymutual.com
Postal Address:
Liberty Mutual Insurance Company
175 Berkeley St., 6th Floor
Boston, MA 02116
Attn: Privacy Office