Beazley Insurance Company, Inc.

This Privacy Statement applies to:

Beazley Insurance Company, Inc., a property and casualty insurer for its accident and health insurance policies ( "Beazley", "we", "us", "our"); and
Beazley USA Services, Inc., our affiliated insurance services organization

U.S. Privacy Statement

This Privacy Statement ("Statement") explains how and under what conditions we collect, handle and disclose your Personal Information (defined below). This Statement applies to www.beazley.com/accident&health and www.beazleybenefits.com (the "website"). This Statement does not apply to any non-Beazley websites that you may access via a link on the website.

The website is intended for a United States audience. If you access the website from outside the U.S., you acknowledge, agree, and consent that any information you provide, including any Personal Information, will be transferred to and processed by a computer server located within the U.S. and subject to U.S. laws and regulations.

By visiting this website you agree that your Personal Information will be handled as described in this Statement, which incorporates by reference the Beazley.com Website Conditions of Use, available at https://www.beazley.com/legal_information.html, including applicable limitations on liability and damages. By using the website you are agreeing that Beazley may store, process and review such Personal Information and that we may use this Personal Information for the purposes for which it was collected.

HIPAA Notice of Privacy Practice

To read more about our privacy practices regarding Protected Health Information under the Health Insurance Portability and Accountability Act ("HIPAA"), please refer to our HIPAA Notice of Privacy Practices in Supplement A of this Statement.

Gramm-Leach-Bliley Act ("GLBA") Privacy Notice

The GLBA Privacy Notice is provided to help you better understand how we obtain, use, share, and protect your non-public Personal Financial Information (as defined under the GLBA), even after our customer relationship with you has ended. The details of our GLBA Privacy Notice are defined in Supplement B of this Statement.

Social Security Number Protection Policy

Beazley may collect Social Security numbers ("SSNs") as part of its business and this notice applies to any SSNs that we collect in the course those business activities. It is the policy of Beazley to protect the confidentiality of SSNs that we receive or collect in the course of business. We secure the confidentiality of SSNs through various means, including physical, electronic, and administrative safeguards that are designed to protect against unauthorized access. It is our policy to limit access to SSNs to that which is lawful, and to prohibit unlawful disclosure of SSNs. We strive to protect the confidentiality of the SSNs we collect, by limiting access to SSNs and by maintaining protections against their misuse, loss or unlawful disclosure.

Types of information we collect and maintain

As used in this Statement, Personal Information refers to information collected about you when you use this website (collectively "Personal Information"). When you visit the website, our server will automatically record your domain and IP, the date, time and duration of your visit, and any information you provide by filling in forms on any of our websites. We may also ask you for Personal Information when you report a problem with our website or if you contact us for any other reason. We may collect information about your computer, including where available your IP address operating system and browser type. IP addresses are not linked to Personal Information. We only use IP addresses to analyze trends, administer our website, track general user movements, and gather broad demographic information for aggregate use.

How we may use your Personal Information

We may use your Personal Information for a number of purposes such as:

To respond to an email or particular request from you.
To process an application as requested by you.
To provide you with information that we believe may be useful to you, such as information about health products or services provided by us or other businesses.
To comply with applicable laws, regulations, and legal process.
To protect someone's health, safety, or welfare.
To protect our rights, the rights of affiliates or related third parties, or take appropriate legal action, such as to enforce our Terms of Use.
To keep a record of our transactions and communications.

You understand and specifically agree that we may use your Personal Information to contact you through any contact information you provide through this website, including any email address, telephone number, cell phone number, or fax number.

With whom we share your Personal Information

We may disclose your Personal Information to third parties:

In the event that we sell or buy any business or assets, in which case we may disclose your Personal Information to the prospective seller or buyer of such business of assets.
If Beazley or substantially all of its assets are acquired by a third party, merged with another company, or substantially all of our assets are transferred to another company, or as part of a bankruptcy proceeding, in which case Personal Information held by it about its customers will be one of the transferred assets.
Where third party vendors act for us for further processing in accordance with the purposes for which the information was originally collected, or for purposes to which you have subsequently consented. For example, sometimes a third party vendor may have access to your Personal Information in order to support our information technology or help obtain, compile and manage the information.
If we are under a duty to disclose or share your Personal Information in order to comply with any legal obligation, or in order to enforce or apply our terms of use or terms and conditions of supply and other agreements; or to protect the rights, property of safety of Beazley, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

How we secure your Personal Information

We have implemented commercially reasonable precautions, including, where appropriate, password protection and access controls, and SSL encryption to protect our Site, and the information we collect, from loss, misuse, and unauthorized access, disclosure, alteration, and destruction. Please be aware that despite our best efforts, no data security measures can guarantee 100% security all of the time.

Cookies

Cookies are alphanumeric identifiers that we transfer to your computer's hard drive through your web browser for record-keeping purposes. Most web browsers automatically accept cookies, but if you prefer, you can edit your browser options to block them in future. The Help portion of the toolbar on most browsers will tell you how to prevent your computer from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether; you may also visit www.allaboutcookies.org for information on disabling cookies. Certain website features will not function if you disable cookies.

Links to other websites

The website may contain links to other websites, including third party websites and other websites operated by Beazley or its affiliates. This Statement applies only to information collected through our websites. We encourage you to review the privacy statements of each website you visit. We are not responsible for the privacy practices of third-party sites.

Online communication practices

General Email Communications

Most email, including any email functionality on our site, does not provide a completely secure and confidential means of communication. It is possible that your email communication may be accessed or viewed inappropriately by another Internet user while in transit. If you wish to keep your information completely private, you should not use email.

Other Online Communications

Beazley may send electronic newsletters, and other communications such as information about other products or services offered by us, on a periodic basis to various individuals and organizations. To opt-out of any specific electronic communication you are receiving, follow the instructions provided with the specific communication or contact us using the contact information set out below.

Modifying and removing Personal Information

You have the right to ask us not to process your Personal Information for marketing purposes. We will typically inform you if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. If at any time you would like your record and all Personal Information relating to you removed from our system, please contact us using the contact information set out below. Such removal may not be possible until any current contracts of insurance with you have expired.

Changes to this Privacy Statement

We may amend this Statement at any time. Revised Statements will be posted here, so please check this page regularly and make sure to also check the effective date, set forth below. All amended terms are effective immediately.

Contact Details

We may be reached at the addresses below, with any questions about this Statement.

Address: Beazley U.S. Accident & Health Insurance Attn: Privacy Inquiry 8500 Normandale Lake Blvd Suite 955 Bloomington, MN 55437

Email: beazleyprivacyusa@beazley.com

Effective date

The Effective Date of this Privacy Statement is January 1, 2012. The last revision was made September 10, 2013.

Supplement A - HIPAA Notice of Privacy Practices

This notice describes how health information about you may be used and disclosed and how you can get access to this information.

In addition to the information we collect about you when you use our websites, we also collect your Personal Health Information ("PHI"), in connection with the health insurance that we issue. PHI is information, including demographic data that relates to:

your past, present or future physical or mental health or condition,
the provision of health care to you, and
the past, present, or future payment for the provision of health care to you,

and that identifies you or for which there is a reasonable basis to believe it can be used to identify you. Individually identifiable health information includes many common identifiers, like your name, address, birth date and Social Security Number.

We are required by law to maintain the privacy of your PHI and to notify you if there is a breach of unsecured PHI. We are also required to provide you with notice of our legal duties and privacy practices with respect to PHI. This notice provides you with that information. We will abide by the terms of this notice while it is in effect.

We reserve the right to change our privacy practices and the terms of this notice at any time and to make the terms of our notice effective for all PHI that we maintain. When we make a significant change in our privacy practices, we will post a revised notice here, so please check this page regularly and make sure to also check the effective date set forth above. All amended terms are effective immediately.

How we may use your PHI

Without Specific Authorization

We have the right to use and disclose PHI for your treatment, to pay for your health care and to operate our business. For example, we may use or disclose your PHI:

To You: We must disclose your PHI to you, as described in the Your Rights section of this notice.
For Payment: For example, we may use and disclose PHI to pay claims for services provided to you by doctors, dentists or hospitals. We may also disclose your PHI to a health care provider or another health plan so that the provider or plan may obtain payment of a claim or engage in other payment activities.
For Health Care Operations: For example, we may use or disclose PHI to conduct quality assessment and improvement activities, to conduct fraud and abuse investigations, or to communicate with you about health related benefits and services that may be of interest to you. We may also disclose PHI to a health care provider or another health plan subject to federal privacy laws, as long as the provider or plan has or had a relationship with you and the PHI is disclosed only for certain health care operations of that provider or plan. We may also disclose PHI to other entities with which we have contracted to perform or provide certain services on our behalf (i.e. business associates).
For Public Health and Safety: We may use or disclose PHI to the extent necessary to avert a serious and imminent threat to the health or safety of you or others. We may also disclose PHI for public health and government health care oversight activities and to report suspected abuse, neglect or domestic violence to government authorities.
As Required by Law: We may use or disclose PHI when we are required to do so by law.
For Process and Proceedings: We may disclose PHI in response to a court or administrative order, subpoena, discovery request, or other lawful process.
For Law Enforcement: We may disclose PHI to a law enforcement official with regard to crime victims and criminal activities. Special Government Functions: We may disclose the PHI of military personnel or inmates or other persons in lawful custody under certain circumstances. We may disclose PHI to authorized federal officials for lawful national security activities.
For Research, Death, and Organ Donation: We may use or disclose PHI in certain circumstances related to research, death or organ donation.
For Workers' Compensation: We may disclose PHI as permitted by workers' compensation and similar laws.
To Your Group Health Plan Sponsor: we may disclose PHI to the Plan Sponsor if the disclosure is for the purpose of carrying out treatment, payment or health care operations.

Only After Authorization is Received

You may give us written authorization to use your PHI or disclose it to anyone for any purpose not otherwise permitted or required by law. If you give us an authorization, you may revoke it in writing at any time. Your revocation will not affect any use or disclosure permitted by your authorization while it was in effect.

While the law permits us in certain circumstances to disclose your PHI to family, friends and others, we will do so only with your authorization. In the event you are unable to authorize such disclosure, but emergency or similar circumstances indicate that disclosure would be in your best interest, we may disclose your PHI to family, friends or others to the extent necessary to help with your health care coverage arrangements.

Your rights

Access: With limited exceptions, you have the right to review in person, or obtain copies of, your PHI. We may charge you a reasonable fee as allowed by law to obtain this information.
Amendment: With limited exceptions, you have the right to request that we amend your PHI.
Disclosure Accounting: You have the right to request and receive a list of certain disclosures made of your PHI. If you request this list more than once in a 12-month period, we may charge you a reasonable fee as allowed by law to respond to any additional request.
Use/Disclosure Restriction: You have the right to request that we restrict our use or disclosure of your PHI for certain purposes. We are not required to agree to a requested restriction unless the disclosure is for the purpose of carrying out payment, treatment or health care operations and is not otherwise required by law and the PHI pertains solely to a health care item or service for which you or someone else on your behalf has paid the cost in full. We will agree to restrict other uses or disclosures of your PHI provided the law allows us to do so and we determine the restriction does not impact our ability to administer your benefits. Even when we agree to a restriction request, we may still disclose your PHI in a medical emergency and use or disclose your PHI for public health and safety and other similar public benefit purposes permitted or required by law.
Confidential Communication: You have the right to request that we communicate with you in confidence about your PHI at an alternative address.
Privacy Notice: You have the right to request and receive a paper or electronic copy of this notice at any time. For more information or if you have questions about this notice, please contact us using the contact information listed above.

Complaints / violations

If you have a question or complaint, contact us using the contact information listed above. You may also submit a written complaint to the U.S. Department of Health and Human Services. We will provide you with the address for the U.S. Department of Health and Human Services upon request.

We support your right to protect the privacy of your PHI. We will not retaliate in any way if you choose to file a complaint with us or with the U.S. Department of Health and Human Services.

Supplement B - Gramm-Leach-Bliley Act Privacy Notice

We will also collect "Personal Financial Information" from you when you enroll or apply for health insurance coverage. Personal Financial Information is information, other than health information, that identifies you and is not generally publicly available.
This GLBA Privacy Notice will help you better understand how we obtain, use, share, and protect your non-public Personal Financial Information.

The Personal Financial Information we collect

We collect Personal Financial Information about you and your family when you complete applications and forms. We also collect information from your dealings with us, our affiliates, or others. For example, we may receive information about you from participants in the healthcare system, such as your doctor or hospital, as well as from employers or plan administrators, credit bureaus, and the Medical Information Bureau.

The information we receive may include such items as your name, address, telephone number, date of birth, Social Security number, premium payment history, and your activity on our website. This also includes information regarding your medical benefit plan, your health benefits, and health risk assessments.

Disclosure of your Personal Financial Information

We do not disclose Personal Financial Information about our enrollees or former enrollees to any third party, except as required or permitted by law. Beazley restricts access to Personal Financial Information about you to our employees and service providers who are involved in administering your health care coverage and providing related services.

In the course of our general business practices, we may disclose Personal Financial Information about you or others without your permission to our corporate affiliates to provide them with information about your transactions, such as your premium payment history.

Information security

Accessing and modifying Personal Financial Information under state law

Based on your state of residence, you may have a right to request access to the Personal Financial Information that we maintain. Your right includes the right to know the source of the information and the identity of the persons, institutions, or types of institutions to whom we have disclosed such information. Your right includes the ability to view such information and copy it in person or request that a copy of it be sent to you by mail. We may charge you a reasonable fee to cover our costs associated with this request. Your right also includes the right to request corrections, amendments or deletions of any information in our possession. The procedures that you must follow to request access to or amend your information are as follows:

Submit a request in writing that includes your name, address, date of birth, member identification number, telephone number, and the recorded information to which you would like access.
Articulate in the request whether you would like access in person or a copy of the information sent to you by mail.
Upon receipt of your request, we will contact you within 30 business days to arrange providing you with access in person or the copies that you have requested.