The Western Reserve Group Privacy Policy
Western Reserve Mutual Casualty Company
Lightning Rod Mutual Insurance Company
Sonnenberg Mutual Insurance Company
The privacy of your personal information is a corporate priority and is important to us. We collect personal information for the purposes of underwriting insurance policies, processing claims, and providing quality service to our policyholders and customers. We are committed to protecting the security and confidentiality of the personal information we collect.
The following Privacy Policy applies to Western Reserve Mutual Casualty Company, Lightning Rod Mutual Insurance Company, and Sonnenberg Mutual Insurance Company, collectively known as the Western Reserve Group.
The Personal Information Privacy Policy of the Western Reserve Group
Information that personally identifies you or your accounts is considered personal information. We do not disclose personal information to third parties except as required or permitted by applicable law, regulation, or with your prior authorization. For example, we may:
- Share claim history with consumer reporting agencies.
- Provide limited personal information to independent claims adjusting firms, experts, and attorneys to assist in processing insurance claims.
- Obtain medical reports related to injury claims with your prior authorization.
- Share payment history with collection agencies regarding delinquent accounts.
We do not sell your personal information to anyone.
Information We Collect
We obtain non-public personal information about you from the following sources:
- Information you provide to us: Information received through applications and other forms, which may include your name, address, payment authorization, Social Security number, and other information necessary to provide insurance products and services.
- Information about your transactions with us: Information such as amounts owed, payment history, and other account-related activity.
- Information from consumer reporting agencies: Information such as motor vehicle reports, credit reports, insurance scores, and claim history.
We continually evaluate our efforts to protect personal information and strive to maintain accurate and up-to-date records. If you identify any inaccuracies in your personal information, please contact us so that we may review and address your concerns.
Protection of Personal Information
We restrict access to nonpublic personal information to employees, agents, and other authorized parties who need this information to provide products and services to you. We maintain physical, electronic, and procedural safeguards designed to protect your nonpublic personal information from unauthorized access, use, or disclosure.
SMS/Text Messaging Privacy
Western Reserve Group may use SMS/text messaging to communicate with customers regarding insurance policies, billing, payments, claims, and other insurance-related services.
- By opting in to receive SMS/text messages from Western Reserve Group, you consent to receive text messages at the mobile telephone number you provide. Message frequency may vary. Message and data rates may apply.
- You may opt out of receiving text messages at any time by replying STOP to a message. For assistance, reply HELP.
- No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories of information sharing described in this Privacy Policy exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
- Wireless carriers are not liable for any delayed or undelivered messages.
Changes to Our Privacy Policy
We will provide notice of changes to our information-sharing practices as required by applicable law.
- If it becomes necessary to disclose your personal information in a manner inconsistent with this Privacy Policy, we will provide advance notice of the proposed change and an opportunity to opt out of such disclosure when required by applicable law.
Contact Us
If you have questions or concerns regarding this Privacy Policy or the handling of your personal information, please write us at:
Western Reserve Group
2865 Benden Drive
Wooster, Ohio 44691