NJM Insurance Group
New Jersey Manufacturers Insurance Company
New Jersey Re-Insurance Company
New Jersey Casualty Insurance Company
- New Jersey Indemnity Insurance Company
To the Customers of NJM Insurance Group:
Safeguarding the privacy of your financial and personal information has always been extremely important to us. Recently enacted federal laws have expanded the notice we are required to give you concerning NJM's commitment to protect your privacy.
This page consists of three separate sections:
- Notice of Information Practices - Provides disclosures required under both federal and New Jersey laws; and
- Privacy Disclosure Statement - Offers you the opportunity to notify us if you do not want New Jersey Manufacturers Insurance Company to share basic information about you with NJM Bank FSB, its wholly owned subsidiary. The Company may share this information only for NJM Bank's marketing of financial products that may be of interest to you.
NJM Insurance Group (made up of New Jersey Manufacturers Insurance Company, New Jersey Re-Insurance Company, New Jersey Indemnity Insurance Company and New Jersey Casualty Insurance Company) recognizes that a fundamental component of the insurer/insured relationship is a customer's trust that the insurer will respect the privacy and confidentiality of the customer's financial information and all aspects of the customer's insurance relationship. NJM Insurance Group is committed to keeping your information secure and confidential.
NJM Insurance Group has established the following policy to achieve this purpose.
- NJM Insurance Group shall recognize each customer's expectations of privacy by safeguarding information that you share with us. This commitment to privacy will be maintained regardless of whether information is received by mail, telephone, Internet or in person.
- Information shall be collected and utilized only to the extent necessary to deliver insurance service to you and to offer products, services and other opportunities that may be of interest to you.
- NJM Insurance Group is dedicated to maintaining accurate customer records and shall strive to correct any inaccurate information in a timely manner. You may notify us toll-free at 1-800-232-6600 or by mail to correct any information.
- NJM Insurance Group limits access to your personal information to only those insurance company employees with a business reason for knowing such information. NJM Insurance Group educates all employees about the importance of confidentiality and customer privacy and has established policies on the proper use of customer information.
- NJM Insurance Group will provide you a choice as to whether your personal customer information should be shared with other organizations even for the limited purposes described above before your information is released to another organization for marketing purposes.
- In order to conduct the business of insurance, customer information in our records is referenced relating to the issuance and servicing of coverage and settling claims. NJM Insurance Group conducts these insurance operations in accordance with the Fair Credit Reporting Act and New Jersey's insurance information privacy law as explained in our Notice of Information Practices.
Pursuant to 15 U.S.C. § 1681 et seq. (1982) and N.J.S.A. 17:23A-1 et seq.
The information you provide to us is important. We review it in our evaluation of your request for coverage and in determining rates. It may not be the only information about you or persons to be insured under your policy that we consider. In accord with the Federal Fair Credit Reporting Act and New Jersey's insurance information privacy law, we would like to briefly describe our practices as they relate to information gathered in connection with insurance transactions.
We may need additional information from you or other individuals proposed for coverage. Motor vehicle records, court records or other public records might be reviewed. A photo of any property to be insured might be taken. We also might obtain information from third parties, such as other insurance companies or a consumer reporting agency. A consumer report from such an agency may contain information as to credit worthiness, credit standing, credit capacity, character, general reputation, hobbies, occupation, personal characteristics or mode of living. An investigative consumer report containing the same type of information may be obtained through personal interviews with neighbors, friends, associates, acquaintances, or others who may have knowledge concerning those items of information.
If coverage is declined or the charge for coverage is increased either wholly or partly because of information contained in a consumer report, we will tell you. We also will give you the name and address of the consumer reporting agency making the report.
It is possible that an investigative consumer report may be made. Within a reasonable time after receiving this notice of our information practices, you have the right to file a written request for and promptly receive a written disclosure as to the nature and scope of the investigation. You also will have the right to ask to be personally interviewed. Information you give during the interview will be included in the report sent to us. Upon written request and identification, you have the right to receive a copy of your investigative consumer report. Information about you gathered by the agency in making a consumer report or investigative consumer report may be kept by the agency and provided to others to the extent allowed by law.
Information about you in our records may be kept and may be referred to for purposes relating to the issuance and servicing of coverage and settling claims. We will not disclose information about you to others without your written consent unless the disclosure is necessary to conduct our business. The law permits us to share information about you without your prior consent under certain circumstances. Examples of these include disclosures to:
- parties who perform a business, professional or insurance function for our company, including companies from which we purchase reinsurance coverage;
- adjusters, appraisers, investigators and attorneys who need the information to investigate, defend or settle a claim involving you;
- businesses that help us with data processing or marketing;
- businesses that conduct scientific research, including actuarial or underwriting studies;
- other insurance companies, agents or consumer reporting agencies as reasonably necessary in connection with any application, policy or claim involving you;
- insurance support organizations which are established to collect information for the purpose of detecting and preventing insurance crimes or fraudulent claims;
- medical care institutions or medical professionals to verify coverage or conduct an audit of services;
- State Insurance Departments in connection with the regulation of our business;
- law enforcement or other governmental authorities to protect our legal interests or in cases of suspected fraud or illegal activities;
- authorized persons as ordered by a subpoena, warrant or other court order or as required by law;
- certificate holders or policyholders for the purpose of providing information regarding the status of an insurance transaction; or
- lienholders, mortgagees, assignees, lessors or other persons shown on our records as having a legal or beneficial interest in your policy.
You have the right to know what kind of information we keep in our files about you, to have reasonable access to it and receive a copy. Write to us if you have questions about what information we may have on file. Tell us what information you would like to receive. Provide your complete name, address, date of birth, type of policy held or applied for and all numbers of any policies issued to you by us. Certain types of information generally collected when evaluating claims or possible lawsuits need not be disclosed to you.
Within thirty business days of receipt of your request, we will inform you in writing of the nature and substance of locatable and retrievable recorded personal information about you in our files. You may review this information in person or receive a copy at a reasonable charge. We will also identify the person or organizations to whom we have disclosed this information within the past two (2) years. In addition, you will be given the name and address of any consumer reporting agency which prepared a report about you so that you can contact them for a copy.
After you have reviewed the personal information about you in our file, you can write to us if you believe it should be corrected, amended or deleted. Tell us what you think is wrong and why. We will consider your request and, within thirty business days from the date of receipt of your written request, either change our files or tell you that we did not and the reason. If we do not make changes, you will have the right to insert in our file a concise statement containing what you believe to be the correct, relevant or fair information and explaining why you believe the information on file to be improper. We will notify persons designated by you to whom we have previously disclosed the information of the change or your statement. Subsequent disclosures we make also will include your statement.
Correspondence about this notice or requests for information in accord with your rights under the law should be directed to the appropriate company in the NJM Insurance Group at the address listed at the bottom of this page.
New Jersey Manufacturers Insurance Company has operated efficiently for the benefit of policyholders since 1913. Over the decades, the Company has proven itself as a solid, loyal insurer that provides quality service to all customers. So, it is with great pleasure that we are now able to carry on that fine tradition with New Jersey Manufacturers Insurance Company's wholly owned endeavor — NJM Bank FSB, established in 1999.
NJM Bank offers a full complement of consumer banking products, including checking and savings accounts, certificates of deposit, mortgage lending and home equity loans. In the future, NJM Bank may offer annuities, investment services, credit cards, and other financial products.
New Jersey Manufacturers Insurance Company may provide NJM Bank, or third-party firms assisting NJM Bank, with information furnished by policyholders, such as names, addresses and some basic financial information — for example, whether you own a home or automobile. This information will be used to identify NJM Bank financial products that may be of interest to you and your family.
We are very sensitive to your privacy concerns, and therefore we are careful to protect policyholder information from unwarranted disclosure. Any use of policyholder information will be restricted to the marketing of financial services that are offered by NJM Bank. We do not sell information about you to another organization.
If you do not want your name, address and basic financial information shared with NJM Bank, please call 1-800-232-6600, ext. 7280, or send a brief note to:
NJM Insurance Group
301 Sullivan Way
West Trenton, NJ 08628
For joint policyholders, we will accept only one opt-out direction per policy.