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Privacy Policy

Westcap:

Last Updated: November 15, 2021

At Westcap, we endeavor to secure and protect all information provided by our customers, clients, vendors, web visitors, and others who use the Westcap website. Your privacy and security are important to us, and we honor that by managing your information with the utmost respect.

Below is Westcap's Website Privacy Statement, which includes the home page and all other pages.

We want you, our visitors, to know we take your information's security seriously. We use our best efforts to protect all personal data we process by maintaining physical, electronic, and procedural safeguards.

However, due to the open, communicative nature of the Internet, no systems are foolproof. We employ leading cybersecurity practices and security measures, including training, encryption, and least privileged access, to ensure unauthorized third parties will not access all personal data. Trean limits its personal data processing and data storage to the U.S.

The following sets forth the principles and key elements of our commitment to privacy and data security practices.

Information We Collect

Information You Provide Directly to Us

We and our service providers may collect the information you directly provide us, such as information included in claim submissions, including injuries and treatment, names of witnesses, and whether a violation was issued; fraud reports, including names of those persons involved; applications for insurance policies; or online contact forms for comments, questions, or requests.

The information you provide may include:

  • (a) Contact information: your name, postal address, email address, telephone number, and fax number.
  • (b) Other identifying numbers include your social security number, federal employer identification number, date of birth, and driver's license number.
  • (c) Claim and account information, including account number, policy number, client ID, or access credentials.
  • (d) Relevant information to an insurance policy or claims, such as information about employment, income, and net worth, information about property or collateral insurance coverage, and medical information.

Information We Collect by Automated Means

When you use our website, we and our service providers may collect or retain information by automated means, using technologies such as web server logs.

Our web servers may log information including, but not limited to: your operating system type; domain; system settings; the language your system uses; the country and time zone in which your device is located; the address of the web page that referred you to the website; the IP address and actual location of the device you use to connect to the Internet; and information about your interactions with the website such as the pages you visit.

We may use third-party web analytics services on our website, such as those of Google Analytics. These service providers use cookies to analyze how visitors use the website. The information the cookies collect (including your IP address) will be disclosed to these services providers who use the information to evaluate your use of the website. For information about how Google uses information, see Terms of Service and the Google Privacy Policy. To learn about opting out of Google Analytics, you may visit http://tools.google.com/dlpage/gaoptout.

We may combine information you provide and information we automatically collect with information from public or third-party sources to provide you with relevant information regarding our products and services.

Information We Collect from Other Entities

In the process of providing services to you, we may collect information about you from other entities, including insurance support organizations, government agencies; insurance information-sharing bureaus; and consumer reporting organizations. The information we collect primarily relates to your creditworthiness and the veracity of claims you submit to us. In addition, we may occasionally consult with an independent expert, such as a medical professional, when determining the value of the claim you have submitted to us.

Information We Retain

We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Statement unless a longer retention period is required or permitted by law. We will not keep your personal information any longer than necessary.

Information We Disclose

We only share your personal information as necessary to provide you with requested services and as required by our legal obligations. Specific instances of when your personal information may be shared with third parties include:

  • To service a claim – your information may be provided to insurance companies and their agents, including our subsidiaries and/or affiliates. Your name, address, telephone number, policy number, and coverage may be shared with service providers to resolve claims.
  • To an insurance institution, agent, insurance-support organization, or self-insurer to detect or prevent criminal activity, fraud, material misrepresentation, or material nondisclosure in connection with insurance transactions.
  • To a medical-care institution or professional for the purpose of verifying insurance coverage or benefits, conducting operations or services audits (provided such information is only disclosed as is reasonably necessary to accomplish the foregoing purposes).
  • To an insurance regulatory authority.
  • To comply with Legal Obligations - your information may be provided to an attorney or law firm for the purpose of facilitating a claim.
  • To law enforcement or other governmental authority, pursuant to law.
  • To groups for the purpose of conducting actuarial analysis.
  • To an affiliate or services provider in connection with an audit of the insurance institution or agent, or the marketing of an insurance product or service.
  • To a group policyholder for the purpose of reporting claims experience or conducting an audit of the insurance institution's or agent's operations or services (provided the information disclosed is reasonably necessary for the group policyholder to conduct the review or audit)
  • Information obtained via a report from an insurance-support organization (an organization regularly engaging, in whole or in part, in the business of assembling or collecting information about natural persons to provide information to an insurance institution or agent for insurance transactions) may be retained by the insurance-support organization and disclosed to other persons.

WESTCAP DOES NOT SELL CONSUMER INFORMATION TO ANY THIRD PARTIES.

California Privacy Rights

This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in the Westcap' Website Privacy Statement. It applies solely to visitors, users, and others who reside in the State of California ("consumers" or "you") when visiting the Trean website or subscribing to receive the Trean services (collectively, our "Services"). We adopt this notice to comply with the California Consumer Privacy Act of 2018 ("CCPA") and other California privacy laws.

As a resident of California, you have the right to request and receive information on any third parties to whom Westcap has disclosed personal information for marketing purposes within the previous calendar year, along with the type of personal information disclosed. Westcap shall not discriminate against you for exercising your rights under California law. If you would like to make such a request, please do so using the contact information below.

As a resident of California, you have the legal right to:

Inquire and verify:
  • If your personal information is in our possession and the type/categories of information we have about you.
  • With whom your information has been shared.
  • The business purpose for sharing your information.
  • The type/categories of information shared with third parties.
  • Copies of the specific personal information we have collected or stored.
Request:
  • A deletion of your personal information.
  • A restriction or to "opt-out" of having your personal information shared with a third party.

If you are a California resident and want to exercise any of these rights, you may do so via:

Nevada Privacy Rights

If you are a resident of Nevada, you have the right to restrict us from selling certain personal information about you to third parties. Specifically, you have the right to restrict us from selling information we have collected about you through our online services and is tied to or includes a personal identifier. Personal identifiers include your name, social security number, date of birth, driver's license number, email or physical address, telephone number, or other information that could be used to verify your identity or contact you.

You may exercise this right to opt-out via:

Privacy Rights Under State Insurance Regulations

If you are or were one of our policyholders, applicants, or claimants and a resident of Arizona, Connecticut, Virginia, Georgia, Illinois, Maine, Massachusetts, Minnesota, Montana, New Jersey, North Carolina, Ohio, Oregon, or other states pursuant to applicable law, you have rights over your private information under state-level insurance laws and regulations. This includes the right to access a copy of your information, request the correction/amendment of your information, or delete your information.

You may exercise any of these rights via:

Links to Other Sites

We are not responsible for the availability of a link to this site on any other site. We do not take responsibility for the contents, advertising, products, privacy policies or other material made available through any other site, nor do we endorse other sites. Please direct any concerns with another site to the other site's appropriate contacts.

Privacy Statement Changes

This Privacy Statement is reviewed annually. We may also update this Privacy Statement as needed. The updated version will be indicated by an updated "Revised" date and the updated version will be effective as soon as it is accessible. If we make material changes to this Privacy Statement, we may notify you either by prominently posting a notice of such changes, or by directly sending you a notification. We encourage you to review this Privacy Statement frequently to be informed of how we are protecting your information.

Your Acceptance of this Policy

By using this website, you signify your acceptance of our Privacy Statement. If you do not agree with this Privacy Statement, please do not use our site.

Questions About Our Privacy and Information Security Practices?

Please feel free to contact us and your inquiry will be addressed promptly: Trean Insurance Group | Attn: Privacy Office | 150 Lake Street West, Wayzata, MN 55391 | privacy@trean.com.