Privacy Policy

Internet Privacy and Data Security Policy

Introduction

Thank you for visiting the Chesapeake Employers' Insurance Company (“Chesapeake Employers”) website. As described in this Internet Privacy and Data Security Policy (the “Policy”), Chesapeake Employers is committed to protecting your on-line privacy.

This Policy outlines the information that Chesapeake Employers and our service providers collect from users of this Website, describes how we use that information and the circumstances under which we disclose that information, and explains the practices and procedures utilized by Chesapeake Employers to protect nonpublic personal information. The Policy applies to information collected from visits to www.ceiwc.com (the “Website”), information transmitted to Chesapeake Employers via the Website (whether by direct entry, submission, electronic mail or otherwise, including data, questions, comments or suggestions), and information submitted via internet portals (wcis.ceiwc.com) on the Website (“Online Services”).

We also recommend that you review the Terms and Conditions of Use for Users of Chesapeake Employers’ Insurance Company’s Website. It contains additional terms governing your use of this Website and its contents.

I. Types of Information Collected by Chesapeake Employers

Chesapeake Employers collects both non-personal information and personal information through the use of its Website and Online Services:

Non-personal information

The non-personal information that Chesapeake Employers and its service providers may collect includes:

The Internet protocol address and domain name of your Internet service provider. The Internet protocol address is a numerical identifier assigned either to your Internet service provider or directly to your computer, which can be used to direct Internet traffic to you;
The type of browser and operating system you used;
The date and time you visited this site;
The web pages or services you accessed at this site;
The URL or website address of the website you visited prior to coming to this Website and from which any web page on this site was linked;
If you downloaded a file, the file that was downloaded; and
Any server error messages you may have received while using our site.

Personal information

Personal information is information that can identify a visitor, user or insured, including but not limited to, name, address, e-mail address, date of birth, Social Security number, credit or debit card numbers, bank account information, telephone number, federal employer identification number, driver’s license number, policy or claim information, health information, and other information that you choose to provide us in connection with your application for insurance or quote information. If you create or register an online account in connection with our E-Services, we may store your username, password information and other basic account information that you may provide or that may be associated with the account. For persons applying for a job through the Website, personal information may also include educational and work history information.

Information That You Provide Voluntarily

We consider all information that you provide in communicating with us in connection with your use of this Website to have been voluntarily provided. Voluntary disclosure of personal information to Chesapeake Employers constitutes consent to the collection and disclosure of the information by Chesapeake Employers for the purposes for which you disclosed the information to Chesapeake Employers. You may choose not to send us e-mail, enter into an online transaction or otherwise communicate with us. Your choice not to participate in these activities will not impact on your ability to obtain policies of insurance or information about such policies from Chesapeake Employers through other means.

Additional Information Collected When You E-mail This Website

Your request for information may entail communication by e-mail. If, in connection with your communication or request for information, you send an e-mail to Chesapeake Employers, your email address and the contents of your e-mail will be collected. The information collected is not limited to text characters and may include audio, video, and graphic information formats you send us. Your e-mail address and the information contained in your e-mail will be used to respond to you, to address issues you identify, to further improve this Website, or to forward your e-mail to an agency that is legally authorized to receive the information.

II. How We Use Your Personal Information

We may use your personal information for business purposes:

To apply for policies of insurance
To provide premium quotes
To make premium payments
To provide Certificates of Insurance
To request authorization of services
To provide you with information and documents you requested and for other customer services purposes;
To file First Reports of Injury
To process claims, including those of the State of Maryland under a Third-Party Administration contract
To service your insurance
To service your claim
To provide you with information about the Online Services
To complete your Online Services profile
To help prevent fraud and other crimes
To evaluate your suitability for employment with Chesapeake Employers
To improve the customer experience
To comply with applicable laws

III. Practices and Procedures Utilized by Chesapeake Employers to Protect the Confidentiality of Personal Information Obtained Via the Website

We are strongly committed to protecting personal information collected through this Website or otherwise against unauthorized access, use or disclosure. Chesapeake Employers will use its best efforts to ensure that no unauthorized parties have access to any of your personal information. We restrict access to nonpublic personal information about you to those individuals and entities who need to know that information to provide products or services to you. We will use our best efforts to train and oversee employees to ensure that your information will be handled responsibly and in accordance with this Policy, and employees who violate our privacy policy and procedures are subject to discipline which may include termination of their employment with us. We currently maintain physical, electronic and procedural safeguards to guard your nonpublic personal information and regularly examine and update it.

Personal information obtained will be disclosed only to those employees, service providers, authorized contractors who need access to perform a specific job in connection with their official duties, and third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you. Employees and contractors who have access to this information are required to follow appropriate procedures in connection with any disclosures of personal information. Chesapeake Employers has implemented procedures to safeguard the integrity of its information technology assets including authentication, monitoring, auditing and encryption. These security procedures have been integrated into the design, implementation and day-to-day operation of this Website as part of our continuing commitment to the security of electronic content as well as the electronic transmission of information. For Website security purposes and to maintain the availability of the online transaction process, Chesapeake Employers employs software to monitor traffic and to identify unauthorized attempts to upload, download, change or damage information on, to or from this Website.

Communications with our Website containing confidential information require that a "secure session" be established. Such communication between Chesapeake Employers and its authorized users is encoded using Secure Sockets Layer (SSL) technology utilizing encryption.

Chesapeake Employers considers all personal information to be private and confidential. Any information Chesapeake Employers collects through our online forms or information that you otherwise provide to us for purposes of conducting e-commerce will only be released to third parties that are authorized entities that are under contract with Chesapeake Employers to perform business functions on behalf of Chesapeake Employers. Each such contractor is required to execute a nondisclosure agreement barring the redisclosure of any information obtained from Chesapeake Employers. We do not sell customer information. All information entered our online e-business applications is securely stored. Chesapeake Employers takes reasonable precautions to prevent access by anyone not authorized.

Unfortunately, notwithstanding the best practices that we implement to protect the security of transmitted and stored data, no method of transmitting or storing data can be deemed to be 100% secure. As a result, in the event that we believe the security of your personal information in our possession or control may have been compromised, we will notify you of that development in the manner and within the time prescribed by Maryland and Federal law.

IV. What We Share

Chesapeake Employers does NOT sell, lease or otherwise share any non-aggregate personably identifiable data or personal information we have collected with or to any third-party companies or individuals.

We may disclose your personal information if required to do so by law or in the good-faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Chesapeake Employers or its Websites; (b) protect and defend the rights or property of Chesapeake Employers or (c) act to protect the personal safety of the employees of Chesapeake Employers and other users of the Website.

Information collected through this Website in connection with your visit, communication or requests for information, whether personal or otherwise, may be subject to disclosure in the following manner:

Pursuant to law, including the Maryland Public Information Act, the Workers' Compensation Act, or legal process including a subpoena or court order.
Pursuant to law for Federal or State law enforcement purposes.
For transmittal to another Maryland State agency, including the Workers' Compensation Commission, Uninsured Employer's Fund or other entity as provided by law.
For use by persons or entities under written contract with Chesapeake Employers but only in the course of their authorized activities on behalf of Chesapeake Employers.
For statistical purposes that is in a form that cannot be used to identify any particular person.
In connection with the pursuit of available remedies or to limit the damage that we may sustain.
To enforce our Terms and Conditions of Use for Users of Chesapeake Employers’ Insurance Company’s Website.

V. Cookie Disclosure

We may use cookies in order to assist us in providing services to you. A "cookie" is a persistent, client-side text file. Cookies are pieces of information that a website can transfer to a visitor's hard drive for record-keeping purposes. Cookies facilitate web surfing by saving visitor preferences and other information. The use of cookies is a widespread industry practice and many major websites use cookies. Using a cookie allows recordkeeping while you are visiting a website and saves you the extra effort of entering certain information multiple times in one site.

We also use cookies to analyze how visitors to our Website use our online services. For example, we use Google Analytics, a web analytics service provided by Google, Inc. ("Google"). Please click here to understand how Google Analytics collects and processes data.

Most browsers are configured initially to accept and process cookies. You can configure your browser to refuse cookies. The Website may write one or more cookies to your computer while you are browsing our Website. The cookie or cookies that the Website may use stores personally identifiable information such as name, phone number and email address. In certain cases, some information about your IP address, web browser, and computer system are automatically transmitted to our web servers as an integral part of the operation of the Internet. Thus, Chesapeake Employers may automatically collect and track:

The home server domain names, type of computer, and type of web browsers for visitors to our Website;
The pages of the Website visitor's access; and
Information on what websites the visitor has accessed.

We reserve the right to disclose personal data in special cases when we believe that disclosing information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with our Website, other users of our Website, anyone else who could be harmed by such activities, or where we are required to do so by court order or applicable law. We reserve the right to disclose personal data when we believe, in good faith, the law requires it.

VI. Children’s Privacy

We believe that protecting the privacy of children is very important and children are not permitted to use this Website. The Website is not designed to attract individuals under the age of 18. In accordance with the Children's Online Privacy Protection Act (COPPA), if a child under the age of 13 submits personal information to the Website, we delete the information as soon as we discover it and do not use it for any other purpose.

VII. Linked Sites

The Website may contain links to various other websites, the operators of which may collect information about you if you click on such links. Chesapeake Employers assumes no responsibility for the content or practices of websites linked through our Website and such linking should not suggest or imply any affiliation or endorsement by Chesapeake Employers of the linked website. Please be aware that we, Chesapeake Employers, are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every Website that collects personally identifiable information. This privacy statement applies solely to information collected by Chesapeake Employers.

VIII. Revisions to This Policy

Chesapeake Employers reserves the right to revise this policy at any time. Please check this page periodically for changes. The document revision date displayed below will indicate when this policy was last revised, and any changes will become effective upon the posted of the revised Internet Privacy and Data Security Policy. If we decide to change our privacy policy, we will post those changes to this Policy, and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. By continuing to use this Website and the services provided herein you will be deemed to have agreed to such changes. If you do not agree with the terms of this Internet Privacy and Data Security Policy in whole or in part, you can choose to not continue to use the services provided herein. We will use information in accordance with the Policy under which the information was collected.

CONTACT INFORMATION:

Questions about this privacy policy should be directed to:

Contact Us or Attention: Carmine D'Alessandro, Chief Legal Officer, Chesapeake Employers' Insurance Company, 8722 Loch Raven Blvd., Towson Maryland, 21286.

Please use this contact information only for legal and privacy policy matters. For all other inquiries, refer to the Contact Us section of our home page. Questions about our products or services should not be directed to this address and will not be replied to.

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