Liberty Mutual Privacy Notice – California Commercial Workers Compensation

Effective January 1, 2020

Liberty Mutual Group, its affiliates and subsidiaries (collectively “Liberty Mutual” or “we”, “us” and “our”) provide workers’ compensation insurance to companies.  In this notice, we explain how we gather, use, share, and protect your data. This notice applies to you if you are a California resident and (i) are buying insurance for your company, (ii) your company has workers’ compensation insurance with us, or (iii) you have a workers’ compensation claim.  If this notice does not apply to you, please go to the main privacy page to review our privacy notices for other states. 

 

  • What Personal Data Do We Collect?

    The types of personal data we gather and share depends on your relationship to us.  For example, we may gather different data if you are a claimant reporting an injury than if you are seeking a quote for insurance. The data we gather can include your social security number, income, and medical information related to your injury.  It may also include data gathered as we provide insurance services, when you apply for such services, or from other contacts with you.  It may also include:

    • 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 data, 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 data, medical data, or health insurance data;
       
    • Protected classification characteristics described in California Civil Code § 1798.80(e), 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, veteran or military status;
       
    • Commercial data, 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, data on a consumer’s interaction with a website, application, or advertisement;
       
    • Professional or employment related data, including current or past job history or performance evaluations;
       
    • Inferences drawn from other personal data, 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 data, 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.
       

    For data about the types of personal data we have gathered in the past twelve months, please go to the California Supplemental Privacy Policy.

  • How do you gather my 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:

    • ask about, buy insurance or file a claim
    • your insurance agent or broker
    • pay your policy
    • your employer, association or business (if you are insured through them)
    • visit our websites, call us, or visit our office
    • our affiliates or other insurance companies about your transactions with them

     

    • consumer reporting agencies, Motor Vehicle Departments, and inspection services, to gather your credit history, driving record, claims history, or value and condition of your property

     

    • other public directories and sources

     

    • third parties, including other insurers, brokers and insurance support organizations who you have communicated with about your policy or claim, anti-fraud databases, sanctions lists, court judgments and other databases, government entities,  open electoral register, advertising networks, data analytics providers, social networks, data brokers or in the event of a claim, third parties including other parties to the claim witnesses, experts loss adjustors and claim handlers

     

    • other third parties who take out a policy with us and are required to provide your data such as when you are named as a beneficiary or where a family member has taken out a policy that requires your personal data


    Entities that share data with us may keep it and share it to others as permitted by law. For data about how we have gathered personal data in the past twelve months, please go to the California Supplemental Privacy Policy.

    How Do We Use Your Personal Data?
    Liberty Mutual uses your data to provide you with our products and services and as otherwise provided in this Notice.  We may use your data and the data of our former customers for our business purposes.  Our business purposes include:

    Business Purpose

    Data Categories

    Market, sell and provide insurance.  This includes for example:

    • calculating your premium;
    • determining your eligibility for a quote;
    • confirming your identity and service your policy;




     

    • Identifiers
    • Personal Information
    • Protected Classification Characteristics
    • Commercial Information
    • Internet or other similar network activity
    • Professional or employment related information
    • Inferences drawn from other personal information
    • Risk data
    • Claims data

    Manage your claim.  This includes, for example:

    • managing your claim, if any;
    • conducting claims investigations;
    • conducting medical examinations;
    • conducting inspections, appraisals;
    • providing roadside assistance;
    • providing rental car replacement, or repairs;


     

    • Identifiers
    • Personal Information
    • Protected Classification Characteristics
    • Commercial Information
    • Internet or other similar network activity
    • Professional or employment related information
    • Inferences drawn from other personal information
    • Risk data
    • Claims data

    Day to Day Business and Insurance Operations.  This includes, for example:

    • creating, maintaining, customizing and securing accounts;
    • supporting day-to-day business and insurance related functions;
    • doing internal research for technology development;
    • marketing and creating products and services;
    • conducting audits related to a current contact with a consumer and other transactions;
    • as described at or before the point of gathering personal data or with your authorization;
    • Identifiers
    • Personal Information
    • Protected Classification Characteristics
    • Commercial Information
    • Internet or other similar network activity
    • Professional or employment related information
    • Inferences drawn from other personal information
    • Risk data
    • Claims data



     

    Security and Fraud Detection.  This includes for example:

    • detecting security issues;
    • protecting against fraud or illegal activity, and to comply with regulatory and law enforcement authorities;
    • managing risk and securing our systems, assets, infrastructure and premises;
    • help to ensure the safety and security of Liberty staff, assets and resources, which may include physical and virtual access controls and access rights management;
    • supervisory controls and other monitoring and reviews, as permitted by law; and
    • emergency and business continuity management.
    • Identifiers
    • Personal Information
    • Protected Classification Characteristics
    • Commercial Information
    • Internet or other similar network activity
    • Professional or employment related information
    • Inferences drawn from other personal information
    • Risk data
    • Claims data






     

    Regulatory and Legal Requirements.  This includes for example:

    • controls and access rights management;
    • to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Liberty’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal data held by Liberty is among the assets transferred;
    • exercising and defending our legal rights and positions;
    • to meet Liberty contract obligations;
    • to respond to law enforcement requests and as required by applicable law, court order, or governmental regulations;
    • as otherwise permitted by law

     

    • Identifiers
    • Personal Information
    • Protected Classification Characteristics
    • Commercial Information
    • Internet or other similar network activity
    • Professional or employment related information
    • Inferences drawn from other personal information
    • Risk data
    • Claims data









     

    Improve Your Customer Experience and Our Products.  This includes for example:

    • improve your customer experience, our products and service;
    • to provide, support, personalize and develop our website, products and services;
    • create and offer new products and services;

     

    • Identifiers
    • Personal Information
    • Commercial Information
    • Internet or other similar network activity
    • Professional or employment related information
    • Inferences drawn from other personal information
    • Risk data
    • Claims data

    Analytics to identify, understand and manage our risks and products.  This includes for example:

    • conducting analytics to better identify, understand and manage risk and our products;

     


     

    • Identifiers
    • Personal Information
    • Protected Classification Characteristics
    • Commercial Information
    • Internet or other similar network activity
    • Professional or employment related Information
    • Inferences drawn from other personal information
    • Risk data
    • Claims data

    Customer service and technical support.  This includes for example:

    • answer questions and provide notifications;
    • provide customer and technical support;




     

    • Identifiers
    • Personal Information
    • Commercial Information
    • Internet or other similar network activity
    • Professional or employment related information
    • Inferences drawn from other personal information
    • Risk data
    • Claims data
  • Do We Share Your Personal Data?

    Liberty Mutual does not sell your personal data as defined by California law. 

    Liberty Mutual may share personal data with affiliated and non-affiliated third parties, including:

    • Liberty Mutual affiliates;
    • Service Providers (such as auto repair facilities, towing companies, property inspectors and independent adjusters);
    • Insurance support organizations;
    • Brokers and agents;
    • Government entities (e.g. regulatory, quasi-regulatory, tax or other authorities, law enforcement agencies, courts, arbitrational bodies, and fraud prevention agencies);
    • Consumer reporting agencies;
    • Advisors including law firms, accountants, auditors and tax advisors;
    • Insurers, re-insurers, policy holders, and claimants;
    • Group policyholders (for reporting claims data or an audit);
    • Advertising networks, data analytics providers, and social networks;
    • Service providers and affiliates for actuarial or research studies; and
    • As permitted by law.
       

    We may also share data with other companies that provide marketing services on our behalf or as part of a joint marketing agreement for products offered by Liberty Mutual.  We will not share your personal data with others for their own marketing purposes. 

    We may also share data about our transactions (such as payment history) and experiences (such as claims made) with you to our affiliates. 

    Liberty Mutual may share the following categories of personal data as needed for business purposes:

    • Identifiers
    • Personal Data
    • Protected Classification Characteristics
    • Commercial Data
    • Internet or other similar network activity
    • Professional, employment and education data
    • Inferences drawn from personal data
    • Risk Data
    • Claims Data


    For data about how we have shared personal data in the past twelve months, please go to the California Supplemental Privacy Policy.

  • How Do We Keep your Personal Data Safe?

    We maintain physical, electronic, and administrative safeguards created to protect your data from unauthorized access.  Our employees and agents are authorized to access your data only for legitimate business purposes.

  • What Rights Do I Have to Learn More About My Personal Data?

    You may have rights under California laws to learn more about our privacy practices.  For example, you may have the right to request a copy of certain information about you to review its completeness and accuracy.  You must make this request in writing by contacting us as indicated below. 

    You may have additional rights under other California laws.  For more information about these rights, please go to the California Supplemental Privacy Notice.  If you cannot access the link, please contact us.

    How to Contact Us:
    You can submit requests, seek additional information, or obtain a copy of our privacy notice in an alternative format by either:
     

    Calling: 800-344-0197
    Email: Privacy@libertymutual.com
    Online: Libertymutualgroup.com/privacy-policy/data-request
    Mail: 
    Liberty Mutual Insurance Company
    175 Berkeley St., 6th Floor
    Boston, MA 02116
    Attn:  Privacy Office
      

    Who is Providing this Notice?

    This privacy notice is provided on behalf of the following Liberty Mutual companies and affiliates: 

    America First Insurance Company, America First Lloyd’s Insurance Company, American Economy Insurance Company, American Fire and Casualty Company, American States Insurance Company, American States Insurance Company of Texas, Colorado Casualty Insurance Company, Consolidated Insurance Company, Employers Insurance Company of Wausau, Excelsior Insurance Company, First National Insurance Company of America, General Insurance Company of America, Golden Eagle Insurance Corporation, Hawkeye-Security Insurance Company, Indiana Insurance Company, Liberty Insurance Corporation, Liberty Mutual Fire Insurance Company, Liberty Mutual Insurance Company, Liberty Mutual Mid-Atlantic Insurance Company, Liberty Northwest Insurance Corporation, LM Insurance Corporation, Montgomery Mutual Insurance Company, North Pacific Insurance Company, Ohio Security Insurance Company, Oregon Automobile Insurance Company, Peerless Indemnity Insurance Company, Peerless Insurance Company, The First Liberty Insurance Corporation, The Midwestern Indemnity Company, The Netherlands Insurance Company, The Ohio Casualty Insurance Company, Wausau Business Insurance Company, Wausau General Insurance Company, Wausau Underwriters Insurance Company, and West American Insurance Company.