CCAB Insurance & Benefits, Inc. is focused on providing its customers with outstanding products and services along with respecting the privacy of its customers and their employees. In order to obtain insurance quotations and administer our insurance products and services, CCAB obtains and uses our customers and their employees’ personal financial and health information (nonpublic personal information). We are sensitive to your concerns regarding the security of this information and want to assure you that CCAB is committed to protecting the confidentiality of the nonpublic personal information that we have about you.
CCAB collects nonpublic personal financial information about its customers and their employees from the following sources:
- Information we receive from customers and customers’ employees on applications and on other written or verbal communications
- Information about customers and customers’ employees transactions with us, our affiliates or other nonaffiliated third parties; and
- Information we receive from a consumer reporting agency
We do not share or publish non –public personal information to any other party except as permitted by law. The information we collect about our customers and their employees and provide to nonaffiliated third parties is for reasons such as premium processing, claims processing, reinsurance, reporting, investigating, or preventing fraud or material mis-representation, evaluating requests for coverage, other administrative functions, agency operations, activities and evaluations, and as otherwise required or permitted by law.
Confidentiality of Health Information
It is often necessary for CCAB to obtain your personal health information in order to facilitate the underwriting of insurance and to process claims. Our contractual relationships with health care insurance insurers, as well as state and federal laws, require that we keep your medical information confidential. We will not disclose your health or medical information to anyone without your authorization unless the law permits or requires us to do so.
CCAB has physical, electronic and procedural safeguards in place to protect your nonpublic personal information. Only CCAB employees who are trained in the proper handling of your nonpublic personal information and who must have that information to perform their jobs will be allowed to see and use your information. Individuals who violate these policies and safeguards are subject to disciplinary action.