Disclaimer, Privacy Notice, and Legal Notices

Disclaimer

Travelers of Massachusetts is the brand name for personal lines business in Massachusetts. Auto policies are underwritten by The Premier Insurance Company of Massachusetts, an independent, single-state subsidiary of The Travelers Indemnity Company. Homeowners policies are underwritten by The Travelers Indemnity Company, The Phoenix Insurance Company, The Standard Fire Insurance Company and Travelers Commercial Insurance Company.

Privacy Notice

Your privacy. . .
    Is our concern

WHAT WE MEAN WHEN WE TALK ABOUT "PRIVACY"

Your privacy is important to us. When we sell an insurance policy to a person we need information about the person or property that we're insuring. We consider this private and have taken steps to keep it confidential.

We want you to know about our privacy policy. The privacy policy tells you the kinds of information we get about you, where we get it, and with whom, if anyone, we may share it.

The following describes our privacy policy, procedures and practices for individuals who seek or get auto, home and other personal liability and property insurance for personal, family or household needs.

WHAT KIND OF INFORMATION WE HAVE AND WHERE WE GET IT

• You give us most of what we need in the application process. To make sure what we have is correct we may need to check with you by phone or mail.
  
  
• You may be asked to give us more details in writing or over the phone. Plus, we may receive and check your past insurance claims from insurance support organizations or your former insurers.
  
  
• As allowed by law, we may ask for credit and other consumer reports from consumer reporting agencies concerning your application for insurance or any renewal of insurance. Information given to us by an insurance support organization, including consumer reporting agencies may be retained by them and disclosed to other persons.
  
  
• For auto insurance, we often get a report of accidents or convictions from your State Motor Vehicle Department. We get these reports through an independent reporting company. We may also check information from government agencies or independent reporting companies. This helps us correctly rate and price your policy.
  
  
• For home, building, or boat insurance, we or an inspector from an independent company may visit the property to inspect and report on its condition. In some cases, pictures may be taken. This allows us to check the estimate we have of your property's value. If we need more details about the property or the alarm you've installed, we may need to enter your property to finish the inspection. We would contact you before entering your property.
  
  
• As a part of our application and underwriting process, in most states, we also order an Insurance Score based on credit history. We use the Score, information you give us, and other consumer reports for underwriting and the price we will charge. If we receive corrected personal information from a consumer reporting agency, we will re-evaluate you.
  
  
• Once you're insured with us, your file may contain details about your policy(ies). This may include bill payments or claim history. A claim representative may comment, for example, on the condition and use of the insured property. We may also keep a police report if one was issued.
  
  
• Sometimes we need to know about your health. For example, if we need to know whether a physical limitation will affect your ability to drive, we would ask you to sign a form allowing your personal doctor to answer any question we may have.
  
  

WHO HAS ACCESS TO THIS INFORMATION

• We keep what we collect about you in our files. Our policies and procedures protect your personal information. We have physical, electronic and procedural safeguards in place.
  
  
• We do not give or sell our customers' personal information to others for marketing purposes. You don't have to ask us to keep your information private because we do not give it, unless allowed.
  
  
• We will use information about you to sell you insurance, service your insurance and settle claims. We may give the information to other persons or companies to help us manage or service our business. When we do, we require them to use it only for the reasons we gave it to them.
  
  
• We may give, without your past permission and only if allowed by law, information about you held in our files to certain persons or organizations such as:
  
  
  • Your agent or broker
    
    
  • Our affiliated property and casualty insurance companies
    
    
  • An independent claim adjuster or investigator
    
    
  • Persons or organizations that conduct scientific research, including actuarial or underwriting studies, provided that no individual may be identified in the studies
    
    
  • An insurance support organization, including consumer reporting agencies
    
    
  • Another insurer in order to prevent or prosecute fraud
    
    
• Also, on rare occasions, we may be required to share this information:
  
  
  • With a State Insurance Department or other governmental agency, if required by federal, state or local laws
    
    
  • If ordered by a summons, court order, search warrant or subpoena
    
    
  • To protect our own legal interests, or in case of suspected fraud or other illegal activities.
    
    

HOW TO FIND OUT WHAT INFORMATION WE HAVE ABOUT YOU

• If you have any questions about what we have in your file please write to us. When we receive your written request, we will respond within thirty (30) business days. We will let you know if we've given any information about you to anyone in the past. If we asked for a consumer report we will tell you the name and address of the consumer reporting agency.
  
  
• You may also see and copy your file (except for certain documents about claims and lawsuits). If you believe any of our information is wrong we'll check it out and if we agree there was an error, we'll correct it. If we don't agree, you're still allowed to file a letter with your comments. We'll send the correction or letter to anyone who received or will receive the original information.
  
  
• If you have any questions about the right of access to or correction of your file, we'll be happy to review our procedures with you. Please contact your agent or insurance representative or:
  
  Kenneth Quick, Privacy Coordinator
  The Premier Insurance Company of Massachusetts
  315 Norwood Park, South
  Norwood, MA 02062
  
  

WHEN YOU WRITE, PLEASE BE SURE TO TELL US YOUR:

• Name
  
  
• Address
  
  
• Policy number
  
  
• Phone number and the best time of the day for us to call you
  
  

Please include a copy (not the original) of personal ID, such as your driver's license.

WE THANK YOU FOR LETTING US SERVE YOUR INSURANCE NEEDS.

Legal Notices

TERMS, CONDITIONS, CAVEATS and small print:

NOTICE:
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE AND ANY PAGES THEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY PAGES THEREOF.
COPYRIGHT © The Premier Insurance Company of Massachusetts 2007. ALL RIGHTS RESERVED.
Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by The Premier Insurance Company of Massachusetts unless otherwise indicated.

TRADEMARKS
The Premier Insurance Company of Massachusetts logo is a registered trademark and service mark. Use of logo without appropriate approvals is not permitted.

USE OF INFORMATION AND MATERIALS
The information and materials contained in these pages - and the terms, conditions, and descriptions that appear are subject to change. Products and services are available for Massachusetts risks only. Your eligibility for particular products and services is subject to final determination and acceptance by The Premier Insurance Company of Massachusetts (hereinafter "Premier").

NO WARRANTY.
THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS - ARE PROVIDED "AS IS", "AS AVAILABLE". PREMIER DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESS OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

LIMITATION OF LIABILITY.
IN NO EVENT WILL PREMIER BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF PREMIER, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. HYPERLINKS TO OTHER INTERNET RESOURCES ARE AT YOUR OWN RISK; THE CONTENT, ACCURACY, OPINIONS EXPRESSED, AND OTHER LINKS PROVIDED BY THESE RESOURCES ARE NOT INVESTIGATED, VERIFIED, MONITORED, OR ENDORSED BY PREMIER.

SUBMISSIONS.
All information submitted to Premier via this site shall be deemed and remain the property of Premier and Premier shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides Premier through this site. Premier shall not be subject to any obligations of confidentiality regarding submitted information except as specifically agreed to by Premier or as otherwise required by law.