Privacy Disclosure

The Pharmacists Mutual Company family consists of:

• Pharmacists Mutual Insurance Company

• The Pharmacists Life Insurance Company

• PMC Advantage Insurance Services, Inc.

At Pharmacists Mutual Companies, our goal is to professionally and respectfully serve the personal and business insurance needs of our policyholders and claimants.  The information you provide to us when you apply for insurance or when you file a claim helps us to achieve that goal.  It enables us to provide coverage to you at the best price or to service your claim promptly and fairly.

To that end, some of the information you provide us is identified as nonpublic personal information.  Nonpublic personal information is information that identifies you and is not available to the public.  Depending on the type of insurance you are applying for, we collect personal identifiable information from insurance applications, consumer reports and transactional information.

Information we collect in the application process may include, but not be limited to, name, street, e-mail addresses, phone number, driver’s license number, date of birth, gender, marital status, social security number, type of vehicle, type of home and information about other drivers.  We also collect consumer report information that we acquire from consumer reporting agencies.  This information includes your driving record, claims history with other insurers and credit report information.  Finally, transactional information that we collect include information about your transactions with us, our affiliates, The Pharmacists Life Insurance Company and PMC Advantage Insurance Services, Inc.  This information includes communications we have had with you, your insurance coverages, limits and rates, deductibles, payment and claims history and billing and payment. 

We know that our policyholders’ and claimants’ trust is our most important asset.  This includes the trust that we will keep the information you provide to us secure and treat it only as permitted by law.  This disclosure and notice tells you about the privacy policy we have adopted and the practices we use in handling the information you furnish to us.  This notice is being sent to policyholders under one or more of the following policies: homeowners/renters, mobile homeowners, dwelling fire, personal automobile, boatowners or personal umbrella.

WE DO NOT DISCLOSE NON-PUBLIC PERSONAL INFORMATION ABOUT APPLICANTS, POLICYHOLDERS OR CLAIMANTS TO ANY AFFILIATE OR ANY NON-AFFILIATED THIRD PARTY OTHER THAN AS PERMITTED BY LAW.  WE MAY DISCLOSE NAMES AND ADDRESSES OF POLICYHOLDERS TO A NON-AFFILIATED SERVICE PROVIDER WHO WILL DISTRIBUTE OUR MATERIALS TO OUR POLICYHOLDERS

We will share information about you only as permitted by law.  Such disclosures include: providing insurance claims or customer service, preventing fraud or disclosing information to the extent permitted to comply with the law.  This includes sharing information among our affiliated companies, claims representatives, service providers, consumer reporting agencies, law enforcement, courts and government agencies and service providers that help us market our products.

We protect your non-public personal information by maintaining physical, electronic and procedural safeguards that comply with state and federal regulations to protect the information about you. We protect all e-mail communication that contains your personal identifiable information we send to you by encryption; however, any e-mail communication you send back to us is not protected by our e-mail encryption software.  You will be responsible for protecting any and all information you send to us by e-mail.

We also restrict access to information about you to employees who need to know that information to provide you with products, benefits or services.  We have our employee code of conduct, and have our employees trained on their responsibilities and sign off acknowledging their responsibilities where appropriate. 

If you have any questions or concerns regarding this Privacy Disclosure, you should contact Pharmacists Mutual by sending e-mail to privacy.information@phmic.com or writing to us at:

Privacy Information
Pharmacists Mutual Insurance Company
Post Office Box 370
Algona IA 50511

Please remember to include your name, address, policy or claim number, and daytime phone number.