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Comparion Insurance Agency Personal Lines
Notice of Privacy Policy

Effective September 9, 2024

Comparion Insurance Agency, LLC, a Liberty Mutual company, ("Comparion" or "we," "us" and "our") is an insurance agency that helps individuals find the right insurance products from insurance carriers. We value you as a customer and take your personal privacy seriously. This Comparion Insurance Agency Personal Lines - Notice of Privacy Policy ("Notice") applies to you if you are contacting us to learn about insurance products or buy insurance for yourself (for example, auto insurance). In this Notice, we explain how we gather, use, share, and protect your data.

What Personal Data Do We Collect?

The types of personal data we collect and share depend on both the product and your relationship to us. The data we gather can include your Social Security Number, income, transaction data such as account balances and payment history, and data from consumer reports. It may also include data collected when you apply for insurance services or resulting from other contacts with you. It may also include:

  • Identifiers, including a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security Number, driver's license number, or other similar identifiers;
  • Personal data, such as your name, signature, Social Security Number, physical characteristics or description, address, telephone number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, financial data, precise geolocation, medical data, or health insurance data;
  • Protected classification characteristics such as age, race, color, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, or veteran or military status;
  • Commercial data, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories and tendencies;
  • Internet or other similar network activity, including browsing history, search history, data about a consumer's interaction with a website, application, or advertisement;
  • Professional or employment related data, including current or past job history;
  • Inferences drawn from other personal data, such as a profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes;
  • Risk data, including data about your driving and/or accident history; this may include data from consumer reporting agencies, such as your motor vehicle records, and loss history data, health data, or criminal convictions;
  • Claims data, including data about your previous and current claims, which may include data regarding your health, criminal convictions, third party reports, or other personal data.
How Do You Gather My Data?
We gather your personal data directly from you. For example, you provide us with data when you:We also gather your personal data from other people. For example:
  • ask about or buy insurance
  • your insurance company
  • pay your policy
  • your employer, association, or business (if you are insured through them)
  • visit our websites, call us, or visit our office
  • Liberty Mutual affiliates or other insurance companies about your transactions with them
  • consumer reporting agencies, Motor Vehicle Departments and inspection services, to gather your credit history, driving record, claims history, or value and condition of your property
  • other public directories and sources
  • third parties, including other insurers, brokers and/or insurance support organizations who you have communicated with about your policy or claim, insurance applications you have completed or that brokers have completed on your behalf, your business dealings with us and other companies including, but not limited to, your claims and payment history, transactions, limits and rates, information required for billing and payments to/from motor vehicle departments, anti-fraud databases, sanctions lists, court judgments and other databases, government agencies, open electoral register, advertising networks, data analytics providers, and data brokers
  • other third parties who take out a policy and are required to provide your data, such as when you are named as a beneficiary or where a family member has taken out a policy that requires your personal data

    • Organizations that share data with us may keep it and disclose it to others as permitted by law.

    How Do We Use Your Personal Data?

    Comparion uses your data to provide you with our products and services and as otherwise provided in this notice. We may use your data and the data of our former customers for our business and other compatible purposes. Our business purposes include, for example:

    Business Purpose

    Data Categories

    Market, sell and provide insurance.

    This includes, for example:

    • determining your eligibility for a quote;
    • confirming your identity and servicing your policy;
    • Identifiers
    • Personal Information
    • Protected Classification Characteristics
    • Commercial Information
    • Internet or other similar network activity
    • Professional or employment related information
    • Inferences drawn from other personal information
    • Risk data
    • Claims data

    Day to Day Business and Insurance Operations.

    This includes, for example:

    • creating, maintaining, customizing, and securing accounts;
    • supporting day-to-day business and insurance related functions;
    • doing internal research for technology and development;
    • marketing products and services;
    • conducting audits related to a current contact with a consumer and other transactions;
    • as described at or before the point of gathering personal data or with your authorization;
    • Identifiers
    • Personal Information
    • Protected Classification Characteristics
    • Commercial Information
    • Internet or other similar network activity
    • Professional or employment related information
    • Inferences drawn from other personal information
    • Risk data

    Security and Fraud Detection.

    This includes, for example:

    • detecting security issues;
    • protecting against fraud or illegal activity, and to comply with regulatory and law enforcement authorities;
    • managing risk and securing our systems, assets, infrastructure, and premises;
    • help to ensure the safety and security of Comparion staff, assets, and resources, which may include physical and virtual access controls and access rights management;
    • supervisory controls and other monitoring and reviews, as permitted by law; and emergency and business continuity management;
    • Identifiers
    • Personal Information
    • Protected Classification Characteristics
    • Commercial Information
    • Internet or other similar network activity
    • Professional or employment related information
    • Inferences drawn from other personal information
    • Risk data

    Regulatory and Legal Requirements.

    This includes, for example:

    • controls and access rights management;
    • to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Comparion's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal data held by Comparion is among the assets transferred;
    • exercising and defending our legal rights and positions;
    • to meet Comparion contractual obligations;
    • to respond to law enforcement requests as required by applicable law, court order, or governmental regulations;
    • as otherwise permitted by law;
    • Identifiers
    • Personal Information
    • Protected Classification Characteristics
    • Commercial Information
    • Internet or other similar network activity
    • Professional or employment related information
    • Inferences drawn from other personal information
    • Risk data

    Improve Your Customer Experience and Offering of Products.

    This includes, for example:

    • improve your customer experience, offering of products, and service;
    • to provide support, personalize, and develop our website, products, and services;
    • offer new products and services;
    • Identifiers
    • Personal Information
    • Commercial Information
    • Internet or other similar network activity
    • Professional or employment related information
    • Inferences drawn from other personal information
    • Risk data

    Customer service and technical support.

    This includes, for example:

    • answer questions and provide notifications;
    • provide customer and technical support.
    • Identifiers
    • Personal Information
    • Commercial Information
    • Internet or other similar network activity
    • Professional or employment related information
    • Inferences drawn from other personal information
    • Risk data

    Cross-Context Behavioral Advertising

    • Identifiers
    • IP address
    • Internet or other similar network activity

    Do We Disclose Your Personal Data?

    Comparion does not sell your personal data.

    Comparion may disclose personal data with affiliated and non-affiliated third parties, including:

    • Liberty Mutual affiliates and partners;
    • Service Providers;
    • Insurance support organizations;
    • Brokers and agents;
    • Public entities (e.g., regulatory, quasi-regulatory, tax or other authorities, law enforcement agencies, courts, arbitrational bodies, and fraud prevention agencies);
    • Consumer reporting agencies;
    • Advisors including law firms, accountants, auditors, and tax advisors;
    • Insurers, re-insurers, and policy holders;
    • Group policyholders (for reporting claims data or an audit);
    • Persons, organizations, affiliates or service providers conducting actuarial or research studies; and
    • As permitted by law.

    We may also disclose data with other companies that provide marketing services on our behalf or as part of a joint marketing agreement for products offered by Comparion. We will not disclose your personal data with others for their own marketing purposes.

    We may also disclose data about our transactions and experiences with you to our affiliates.

    Comparion may disclose the following categories of personal data as needed for business purposes:

    Identifiers
    Protected Classification Characteristics
    Internet or other similar network activity
    Inferences drawn from personal data
    Claims Data

    Personal Data
    Commercial Data
    Professional, employment, and education data
    Risk Data

    How Do We Keep your Personal Data Safe?

    We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information. These safeguards comply with applicable laws. Our employees and agents are authorized to access your data only for legitimate business purposes.

    How Long Does Comparion Retain Each Category of Personal Data?

    We retain your information in accordance with our legal obligations, our records retention policies, or as otherwise permitted by law. For example, we may have a legal obligation to retain information relating to your policies. We will delete your data once the legal obligation expires or after the period of time specified in our records retention policies. The period of retention is subject to our review and alteration.

    Children's Privacy

    We do not direct our services to individuals under the age of thirteen (13) and we request that these individuals do not provide personal data through our services.

    What Rights Do I Have to Learn More About My Personal Data?

    Individuals may request access to a copy of their personal information. Comparion will honor requests for access after we have verified your identity. We will grant two requests per year. A request may be made to Comparion by contacting us as described below.

    How to Contact Us:

    You can obtain additional information by:

    Calling:800-344-0197
    Email:privacy@libertymutual.com
    Online:libertymutualgroup.com/privacy-policy/data-request
    Mail:Comparion Insurance Agency, LLC
    175 Berkeley St.
    Boston, MA 02116
    Attn: Privacy Office

    Who is Providing this Notice?

    This privacy notice is provided on behalf of Comparion Insurance Agency, LLC. For information about the privacy practices of Liberty Mutual Insurance Company and Safeco Insurance, please visit lmi.co/privacy.


    To download a copy of this document, please click here.

    ©2024 Comparion Insurance Agency, A Liberty Mutual Company - 175 Berkeley Street, Boston, MA 02116. The materials herein are for informational purposes only. All statements made are subject to provisions, exclusions, conditions, and limitations of the applicable insurance policy. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria. Learn more about our privacy policy at comparioninsurance.com/privacy-policy.
    Comparion is an Equal Opportunity Employer and an Equal Housing Insurer.