Thank you for visiting Chubb's website and Mobile App which is owned and maintained by Chubb and its subsidiaries (“Chubb Group”). We respect your privacy and want you to understand the ways in which we collect and use information provided online.
This Online Privacy Policy applies to www.chubb.com and other websites or mobile applications that link to this Policy (the “Online Services”). It does not apply to www.combinedinsurance.com (except when Combined insurance products are sold under the Blink℠ by Chubb brand) or www.rainhail.com, nor to any non-Chubb websites or mobile applications that you may access via the Online Services. Those services are governed by the privacy policies that appear on those sites and applications. Depending upon your relationship with us, you may receive other privacy notices from us providing additional detail about our privacy practices. If you are a California resident, please see Additional Notice to California Residents below for more information.
How We Collect Personal and Non-Personal Information through the Online Services
We collect two kinds of information through the Online Services: non-personal information and personal information.
The non-personal information we collect includes: the visitor’s browser type, device type, and operating system; area(s) of the Online Services visited; date and time of access; host or Internet service provider (ISP) information; and identity of the referring site (any site from which the visitor accessed the Online Services).
We also collect personal information that can identify a visitor, user or insured, including but not limited to name, address or other contact information, policy information, claim information (including materials you submit as part of your claim), customer service requests, information provided for roadside assistance services, or other information that you choose to provide to us, but only when you voluntarily provide it. If you apply for a job or register with our Career Center, we may collect personal information about your work and educational history.
Sources of Personal Information We Collect
The type of personal information we collect depends on the financial product or service (if any), or other interaction, that you have with us. We may collect the categories of personal information listed above from the categories of sources described in the Sources of Personal and Non-Personal Information We Collect through the Online Services section below.
Sources of Personal and Non-Personal Information We Collect through the Online Services
We may collect personal and non-personal information from the following sources:
- information from you directly or from your agent, broker or other representative, including information from applications, worksheets, questionnaires, claim forms or other documents (such as name, address, driver’s license number, Social Security number and amount of coverage requested);
- information about your transactions with us, our affiliates or others (such as products or services purchased, claims made, account balances and payment history);
- information about you from a corporate policyholder or its representatives in connection with your coverage or a claim that you may have under the corporate policyholder’s policy;
- information from a consumer reporting agency (such as motor vehicle reports or information about your credit or creditworthiness);
- information from other non-Chubb sources (such as prior loss information and demographic information);
- information from Chubb service providers, business partners or other representatives (such as administrators, adjusters, and vendors);
- information from visitors to our websites (such as that provided through online forms and collected through other website tools);
- information from an employer, benefit plan sponsor, benefit plan administrator or group master policyholder for any Chubb individual or group insurance product that you may have (such as name, address and amount of coverage requested); and
- information about you from public sources (such as information you submit in a public forum, a blog, chat room, or social network).
ADDITIONAL NOTICE TO CALIFORNIA RESIDENTS
If you would like to go directly to the section of this notice disclosing the categories of personal information that we collect, please click here.
If you would like to exercise your rights under the California Consumer Privacy Act of 2018 ("CCPA"), please visit us at our Data Subject Request web page by clicking here or by calling us at the following toll-free telephone number 1-833-324-9798.
If you would like to see Chubb's CCPA Notice at Collection of Personal Information please click here.
If you would like to see informatin abut CCPA data subject requests that Chubb received in the past year, click here.
This section of the Online Privacy Policy provides additional information solely for California residents, as required under the CCPA, and applies to their personal information as defined in the CCPA, whether collected online or offline. This section of the Online Privacy Policy applies to www.chubb.com and other websites or mobile applications that link to this Online Privacy Policy (the “Online Services”), as well as offline activities where California residents are directed to this section of the Online Privacy Policy. It does not apply to www.combinedinsurance.com (except when Combined insurance products are sold under the Blink℠ by Chubb brand), https://www.rainhail.com/d/ps/, and any non-Chubb websites or mobile applications that you may access via the Online Services. Those services are governed by the privacy policies that appear on those sites and applications. As used in this section of the Online Privacy Policy, “personal information” means any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household.
Service Provider
Some Chubb business units and groups act as service providers under the CCPA. This means that they collect and use personal information on behalf of, and subject to the instructions of, a client (for example, where ESIS, a wholly-owned subsidiary of Chubb, provides claims management services to third party insurers and insureds). Where your personal information is processed by ESIS or another Chubb entity acting as a service provider to a Chubb client, you should refer to the Privacy Policy of the relevant Chubb client, and submit any request to exercise CCPA rights directly to that client. Please note that in some instances, ESIS may be acting as a service provider for other member companies of Chubb and in those instances, this section of the policy will apply. If you make a request to exercise CCPA rights to Chubb where it acts as a service provider under the CCPA, we may be required to disclose your request to the relevant client.
Certain Categories of Personal Information Not Covered by this California Section of the Online Privacy Policy
There are a number of exemptions from the application of the CCPA. The table below sets out some of the categories of personal information (as defined by the CCPA) that are not subject to the CCPA, and therefore are not covered by this California section of the Online Privacy Policy. Note that other sections of the Online Privacy Policy may still apply in addition to other privacy notices that we may issue addressing our specific relationship with you, including privacy notices that are sent to individuals.
Categories of Personal Information Exempt Under CCPA |
Additional Chubb Notices You May Receive |
Health or medical information that we collect and that is subject to the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”), the California Confidentiality of Medical Information Act or the Health Information Technology for Economic and Clinical Health Act. For example, where we provide you with a covered health insurance plan. |
Chubb provides a separate HIPAA privacy notice to certain individual consumers as required under applicable laws and regulations. |
Personal information we collect in connection with the issuance of financial products or services to you that are to be used primarily for your personal, family, or household purposes and that is subject to the Gramm-Leach-Bliley Act (“GLBA”) or the California Financial Information Privacy Act. For example, where we provide you with a personal insurance policy, or where we handle a claim from you as an individual. Note that this exclusion may not apply to all of your personal information, including to personal information collected before you become a customer. |
Chubb provides a separate GLBA privacy notice to certain individual consumers as required under applicable laws and regulations. |
Personal information we collect about job applicants, independent contractors, or current or former full-time, part-time and temporary employees and staff, officers, directors or owners of Chubb, and that is used solely in that context. |
Chubb provides a separate privacy notice as required under the CCPA. |
Personal information we collect and provide for use that is subject to the Fair Credit Reporting Act. |
- |
Personal information we collect as a motor vehicle record and that is subject to the Driver's Privacy Protection Act of 1994. |
- |
Publicly available information from government records. |
- |
Except for your Right to Opt-out and your Right of Non-Discrimination (see “Your CCPA Rights and Choices” below), personal information we collect in a “business-to-business context”. This personal information is collected when we engage in a business-to-business transaction or communicate solely in the context of conducting due diligence for, providing or receiving a product or service to or from a company and obtain personal information regarding California residents. For example, where you work for a Chubb supplier and we receive your business contact information in the context of receiving services from that supplier. |
- |
Categories of Personal Information We Collect & Disclose Subject to this California Section of the Online Privacy Policy
We collect personal information about a variety of California residents, including actual and prospective policyholders, representatives of corporate policyholders, other insured persons, third party claimants, actual and prospective agents or business partners, brokers and Chubb service providers. The type of personal information we collect depends on the context in which your information is collected, as well as the product or service (if any) that you have with us. The table below sets out generally the categories of personal information (as defined by the CCPA) about California residents that we have collected in the prior 12 months and disclosed to others for a business purpose. We collect these categories of personal information from the sources described in the Sources of Personal Information We Collect section above, and for the purposes described above in the How we use share information section. Note that our collection, use and disclosure of personal information about you will vary depending upon the circumstances and nature of our interactions or relationship with you.
Disclosures: We may disclose for a business purpose each of the categories of personal information described in the table below to the following categories of other entities: service providers, agents, regulators, auditors, counsel, consultants, reinsurers, advisors, representatives, affiliates, advertising networks, banks, operating systems/platforms, law enforcement, government entities, tribunals and courts.
As described in more detail below, we do not sell personal information subject to the CCPA.
For more details on how we share personal information, see the How We Use and Share Your Information section above. Please note that we provide appropriate administrative, technical and physical safeguards for data and generally require our service providers to provide at least reasonable protection of user data as described in this Online Privacy Policy.
About the chart below: Some personal information included in the categories below may overlap with other categories.
Category |
Examples |
Collected |
Disclosed for a business purpose(s) |
Name, Contact Information and other Identifiers |
A real name, alias, job title, address, unique personal identifier, online identifier, device IDs, Internet Protocol address, email address, date of birth, policy number, salary information, social security number (e.g. in the context of workers’ compensation insurance), driver’s license number, other government identifiers, credit card number (e.g., in relation to credit card enhancement products), and tax ID. |
YES |
YES |
Customer Records |
A paper or electronic customer or claimant record containing personal information, as well as information provided by a reinsurance or insurance broker/agent for underwriting purposes and information included in a list of claims, such as name, signature, physical characteristics or description, address, telephone number, education, current employment, employment history, social security number, passport number, driver’s license or state identification card number, insurance policy number, bank account number, payment card number, gender, height, weight, medical information (including reports and medical bills), health insurance information, details about home address, security and travel plan arrangements, records of personal property, products or services purchased or obtained. |
YES |
YES |
Characteristics of Protected Classifications under California Law. |
Age (40 years or older), race, national ancestry, national origin, citizenship, religion or creed, marital status, pregnancy, medical condition, physical or mental disability, sex, sexual orientation, and veteran or military status. |
YES |
YES |
Usage Data |
Internet or other electronic network activity information regarding a California resident's interaction with portals, Internet websites, applications, or advertisements, including, but not limited to, browsing history, clickstream data, search history and content of public posts. |
YES |
YES |
Biometric Information |
Individual biological or behavioral characteristics including measurements of physical characteristics such as height, weight and blood pressure, sleep, health, or exercise data that contain identifying information. |
YES |
YES |
Non-Public Educational Information |
Education records directly related to a student maintained by an educational or institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes and student disciplinary records. |
YES |
YES |
Geolocation Data |
Physical location or movements. |
YES |
YES |
Audio, Video and Other Electronic Data |
Audio information including call recordings, video and photographs. |
YES |
YES |
Professional or Employment-Related Information |
Employment history, qualifications, licensing, and disciplinary record. |
YES |
YES |
Inferences drawn from other personal information
|
Inferences drawn from any of the information described in this section about a consumer including inferences reflecting the consumer’s preferences, characteristics, behavior and abilities. |
YES |
YES |
Uses of Personal Information Subject to this California Section of the Online Privacy Policy
We may use the information we collect for a number of business or commercial purposes, including the purposes listed in the How We Use and Share Your Information section above.
Sale of Personal Information Subject to this California Section of the Online Privacy Policy
We do not sell personal information subject to the CCPA. Our business practice is not to sell personal information that is subject to the CCPA even within the meaning of the broad definition of “sale” in the CCPA, and we are not selling and do not have plans to sell personal information of California residents. However, we support consumer choice regarding use of consumers’ personal information and for this reason, refer you to the Right to Opt-out of Sales section immediately below for more information on how to register your choice with us with regard to future uses of your personal information.
Your CCPA Rights and Choices
The CCPA provides California residents with specific rights regarding their personal information. This section describes your rights under the CCPA and explains how to exercise those rights. Subject to certain exceptions, California consumers have the right to make the following requests:
Right to Opt-out of Sales: We are not selling personal information of California residents. Further, we will not sell personal information if we have actual knowledge that the consumer is less than 16 years of age, unless we receive affirmative authorization (“opt-in”) from either the consumer between 13 and 16 years of age, or the parent or guardian of a consumer less than 13 years of age.
If you would like to register your choice with regard to future uses of your personal information, please visit us at our Data Subject Request web page by clicking here and we will register your details for this purpose.
Other businesses collect information, including IP addresses, digital identifiers, information about your web browsing and app usage, and how you interact with ads in order to provide you with relevant ads across the Internet and for other analytics purposes. By visiting www.privacyrights.info or optout.privacyrights.info, you can opt out of this type of use of personal information by businesses that participate in the opt out tool. To make opt-out requests related to mobile apps on your device for businesses participating in the DAA’s CCPA App-based Opt-Out Tool, you can download the appropriate app at www.youradchoices.com/appchoices.
Right to Delete: You have the right to request that we delete the personal information that we have collected and retained (without charge), unless an exemption applies. Once we receive and verify your request, we will delete (and, if applicable, direct our service providers to delete) your personal information from our records, unless an exemption applies.
Right to Know: You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months (up to twice per year and subject to certain exceptions). Once we receive and verify your request, we will disclose to you as required:
- the categories of personal information we collected about you;
- the categories of sources from which we collected personal information about you;
- categories of personal information we have disclosed for a business purpose;
- the categories of third parties to whom we have disclosed that personal information;
- our business or commercial purposes for collecting that personal information; and
- the specific pieces of personal information we collected from you.
Submitting Requests: You can submit a deletion or right to know request by either:
We will respond to verifiable requests received from California residents as required by law. When you submit a request to know or a request to delete, we will take steps to verify your request by matching the information that you provide with the information we have in our records and/or requiring authentication through your usual log-in credentials if you are an accountholder. You must complete all required fields on our Data Subject Request web page (such as your name, email address, and physical address) or otherwise provide us with this information via the above toll-free number. In some cases, we may request additional information in order to verify your request or where necessary to process your request. We may also carry out checks, including with third party identity verification services, to verify your identity before taking any action with your personal information. If we are unable to adequately verify a request, we will notify the requestor. Authorized agents may initiate a request on behalf of another
- Accessing our Data Subject Request web page
- Calling us at 1-833-324-9798
We will respond to verifiable requests received from California residents as required by law. When you submit a request to know or a request to delete, we will take steps to verify your request by matching the information that you provide with the information we have in our records and/or requiring authentication through your usual log-in credentials if you are an accountholder. You must complete all required fields on our Data Subject Request web page (such as your name, email address, and physical address) or otherwise provide us with this information via the above toll-free number. In some cases, we may request additional information in order to verify your request or where necessary to process your request. We may also carry out checks, including with third party identity verification services, to verify your identity before taking any action with your personal information. If we are unable to adequately verify a request, we will notify the requestor. Authorized agents may initiate a request on behalf of another individual by contacting us at the number above or through our Data Subject Request web page; authorized agents will be required to provide proof of their authorization and we may also require that the relevant consumer directly verify their identity and the authority of the authorized agent.
Non-Discrimination and Financial Incentives: You have the right not to receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA. We will not discriminate against you for exercising any of your CCPA rights or impose unreasonable requirements on financial incentives offered to California consumers related to your personal information. We may offer different prices, rates, or quality of goods or services if the difference is reasonably related to the value of your personal information.
Contact Information
If you have any questions or comments about this section of the Online Privacy Policy, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:
Chubb Group
Attention: Privacy Inquiries
202 Hall’s Mill Road, P.O. Box 1600
Whitehouse Station, NJ 08889-1600
Telephone: 1-833-324-9798
E-mail: NAPrivacyOffice@chubb.com
Last Updated July, 2021