Privacy Policy of the Ohio FAIR Plan Underwriting Association

How We Use and Protect Personal Information

The Ohio FAIR Plan Underwriting Association (OFP) shares concerns about privacy. We understand interested parties want to know how we treat the personal information that we obtain from them or other sources in the course of organizational operations.

What do we do with the personal information we have collected?

The Ohio FAIR Plan does not disclose any personal information to companies or organizations not affiliated with us that would use the information we have provided them to contact them about their own products and services.

A policyholder's agent may use policyholder personal information in his or her files for marketing purposes or to help with a person's overall insurance program.

We may also use personal information as provided by law and without prior permission, to provide personal information contained in our records or files to persons or organizations such as:

Persons who perform a business function for OFP;
Policyholder's agent;
OFP Board and associated committees;
Insurance support organizations;
Other insurance companies in order to perform their role in an insurance transaction involving the policyholder;
Independent claim adjusters;
Businesses that conduct actuarial or research studies;
Regulatory or law-enforcement authorities;
OFP participating companies;
Contractors, which a policyholder has selected to provide repair services on a claim;
Persons or organizations requesting information by administrative or judicial order, including search warrant or subpoena;
Policyholders and loss payees for the purpose of providing information regarding the status of insurance transactions;
Lienholders, mortgagees, assignees, lessors or other persons shown on our records as having a legal or beneficial inerest in a policy of insurance on your property;
Third party payment services

What kind of personal information do we have and where did we get it?

Much of the personal information that we have comes directly from the person. Sources of information include, but are not limited to, applications or previous claim requests. We may contact by telephone, mail, or electronic means for additional information. We also keep information about the types of products and services purchased from us, as well as account balances and payment history. Depending on the nature of the transaction they are completing with us, the interested party may be required to provide the OFP, insurance agents, or other entities working on OFP's behalf with information. That information may include, for example, an applicant’s name, mailing address, phone number, location of insured property, whether the property will be occupied by the policyholder or whether it will be used as rental property, the estimated cash value of the property, details about the construction of the property, name and address of the mortgagee, and present or prior insurer that insured the property.

We use cookies to enhance your experience on our website. Cookies are small data files stored on your computer that help us understand how you interact with the site. They enable our website to function more efficiently and provide us with insights into its performance. Importantly, cookies do not allow us access to your computer’s files, and we do not use them to store any personally identifiable information.

How do we protect personal information?

We maintain physical, electronic and administrative safeguards to protect information from unauthorized access. Our employees are authorized to access customer information only for legitimate business purposes. When we share personal information with companies working on OFP's behalf, we protect that personal information where required by law with a vendor agreement that obligates those companies to conform to our standards and keep confidential any personal information we give them. Finally, should a policyholder terminate coverage with the OFP, personal information will remain protected in accordance with our privacy practices.

How can a policyholder find out what information we have about them?

The policyholder may request to obtain from us by mail, the personal information about the policyholder in our records. You may review, update, and correct your personal information at any time by contacting us.

Do we ever share information with outside organizations?

We may share personal information with companies or other organizations outside OFP as required by or permitted by law. For example, we may share personal information to:

Process an insured's OFP insurance policy;
Process claims;
Provide information to insurance rate advisory organizations;
Protect against fraud;
Respond to a subpoena; or
Otherwise service a person's policy.

OFP may work with companies or organizations outside of OFP to affect, administer or enforce the provisions of a person's policy. Consequently, we may disclose any of the personal information that we have collected to those entities necessary to carry out these provisions. For protection, we require that these companies keep all personal information secure and confidential.

If you have any questions about this policy or would like more information, please contact the OFP office.

Notification of this Privacy Policy will be sent to each new policyholder with the issue of their original policy form and sent yearly thereafter.