Privacy Statement & Security

As Managing General Agent for and on behalf of its sponsoring insurance companies:

Omega Insurance Company

Tower Hill Prime Insurance Company

Lloyd's

Tower Hill Preferred Insurance Company

Tower Hill Select Insurance Company

Hillcrest Insurance Company

Praetorian Specialty Insurance Company

We use comprehensive measures on our Web Site to protect your privacy and ensure the integrity of our information. We also limit internal access to our servers and require our employees to adhere to high ethical standards in performing their jobs and conducting business.

We may collect information from visitors in order to provide better service and to better understand what our customers want. This information does not specifically identify you or your e-mail address. Instead, our web servers may collect the name of the domain you used to access the Internet, and the Web site you came from and the Web site you visit next. This information may be used to provide advertising materials or to collect statistics about visitors to our Web site, such as the number of visits and average time spent on the Web site. We also may use this data to monitor and improve our Web site performance.

"Cookies" is a commonly used Web term that refers to small pieces of data stored by your Internet browser on your computer's hard drive. Like many Web sites, we may use "cookies" to improve your Web site visit, and to measure your Web site usage. With the help of "cookies," we may recognize you on subsequent visits and provide information that may be of interest to you. You may be able to set your browser to inform you when or prevent a "cookie" from being sent, which may limit the functionality in the future when you visit our Web site.

Our Web site contains links to other Web sites. We are not responsible for the practices of other Web sites when you connect with them from our Web site. We cannot guarantee the performance of other Web sites or how they collect or use cookies or other information. We recommend that you review the privacy and security policies of each other Web site you visit.

We maintain physical, electronic and procedural safeguards that comply with applicable regulatory standards to protect your customer information. We also restrict access to your customer information to only those individuals who need to know that information to provide products or services to you. All employees, agents, affiliates, and third parties are required to adhere to our privacy standards and use customer information only for legitimate business purposes.

• Application Forms: Information we receive from you on applications and other forms, such as your name, address, date of birth, social security number, family member information, property location and value.
• Prior Transaction History: Information about your transactions and experiences with us, our affiliates, or others, such as your policy coverage, premiums, payments, and claims history.
• Reporting Agencies: Information we receive from consumer reporting agencies, other insurers, medical providers, and insurance support organizations, such as motor vehicle records, and credit report information.

We do not disclose any customer information about our customers or former customers to anyone, except as permitted by law.

We may disclose all of the customer information we collect about you, as described above in "Information We Collect," to our affiliates and other entities that perform marketing or administrative services on our behalf, or to other financial institutions with whom we have joint marketing agreements, or as permitted by law. Affiliated companies may include insurers and reinsurers, insurance agencies and brokers, claims adjusters, and information technology companies. Other entities are not affiliated companies and may include other insurance and reinsurance companies, service vendors, insurance agencies and other persons as permitted by law. These affiliated and other entities provide services necessary to carry out our normal business activities, such as evaluating requests for insurance products, processing policies and transactions to renew, replace or service your policy of insurance, evaluating claims, marketing our products and services, and administering policies. Any joint marketing agreements we have with other entities prohibit the disclosure of any shared non-public personal information other than to carry out the purposes for which we or such other entities disclose information pursuant to those marketing agreements.

We share with our affiliates customer information permitted by law including information arising from transactions and experiences with you. We do not share other credit-related information with our affiliates, except as permitted or required by law.

We will not use or share any personally identifiable health information for any purpose except to underwrite insurance, administer your policy, account or claim, as required or permitted by law, or as otherwise authorized by you.

You have the right to understand how we use the customer information we collect. Please contact us if you have any questions. If your insured property is in the states of AZ, CA, CT, GA, HW, IL, KS, MA, ME, MN, MT, NV, NJ, NC, OH, OR, VA, you have the right to access information we have collected about you and correct information that is not accurate. You may request a more detailed notice of our access and correction practices from the address noted above.

This Privacy Notice describes our practices for current and former customers. If there is more than one person insured under this policy, only the named insured on the policy will receive this Notice, though additional insureds may request a copy of this Notice. Please share this information with everyone covered by the policy.

We reserve the right to modify this policy at anytime. If we make material changes, we will provide a revised Notice.

We value you as a customer and respect your right to privacy. This Notice describes the privacy practices of each insurance company listed above and its affiliates ("companies") regarding the collection, use, security, and sharing of non-public personal information ("customer information") by Tower Hill Insurance Group, Inc. and its affiliates ("Tower Hill").

Tower Hill is an appointed general agent for the companies (referred to as "we", "us", or "our" in this Notice). As a general agent, Tower Hill solicits, underwrites, issues, and processes property and casualty insurance policies and claims for the companies. Each company is a separate insurer and may be affiliated with other insurance companies.

On behalf of itself, its affiliates and the companies, Tower Hill is providing the following Privacy Notice, as required by recent federal and state laws. If you have any questions after reading this Privacy Notice, please contact Tower Hill at the address noted above.

Thank you for choosing Tower Hill and its companies. Our Privacy Notice applies to the following affiliates in the Tower Hill family of companies: