1. Introduction

Farmers Mutual Fire Insurance Company of Washington County (“we,” “us,” or “our”) is committed to protecting the privacy and security of the personal information we collect in connection with the insurance policies and services we provide. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information, and the rights you may have regarding that information.

By applying for, renewing or maintaining a policy with us, or otherwise interacting with us, you agree to the terms of this Privacy Policy.

2. Scope

This policy applies to personal information about applicants, policyholders, insureds, claimants and other individuals whose data we collect or maintain in connection with the insurance business in Tennessee. It covers information collected in applications, underwriting, claims handling, inspections, servicing of policies, or collected via our website or other communications.

3. Information We Collect

We may collect personal information in the following categories:

a) Information you provide directly

  • Name, address, telephone number, email address, date of birth, social security number or other government identifier

  • Policy application information (e.g., property or vehicle details, coverage selections, premium)

  • Claims information including loss history, property damage, inspection reports

  • Billing/payment information (e.g., bank account or credit card information)

  • Any other information you provide in correspondence, calls, claim forms, or online.

b) Information we obtain from other sources

  • Credit and claims history obtained via third-party vendors or consumer reporting agencies

  • Publicly available information (for example property records)

  • Information generated from servicing your policy (transaction history, account activity)

  • Website usage information (e.g., IP address, browser type, cookie data) when you visit our website.

4. How We Use Your Information

We use your personal information for purposes including:

  • Underwriting, issuing, administering and renewing insurance policies

  • Processing and paying claims, conducting inspections, investigations, loss control

  • Communicating with you regarding your policy, claims, account or services

  • Detecting, preventing and investigating fraud, managing risk and regulatory compliance

  • Performing audits, actuarial analyses and business management functions

  • Marketing or offering our products or services (where permitted by law)

  • Complying with legal, regulatory or contractual obligations.

5. How We Disclose Your Information

We may disclose your personal information (or allow access) in the following situations:

  • To our agents, brokers, contractors, service providers and affiliates who help us underwrite, service, bill, inspect, investigate or administer insurance, provided they are bound by confidentiality obligations

  • To reinsurers, auditors, legal advisors and governmental or regulatory authorities as required or permitted by law

  • To other insurers or consumer reporting agencies in connection with underwriting or claims investigations

  • As required by law, regulation, court order or other legal process

  • With your consent or direction.

We do not sell your personal information to unaffiliated third parties for their independent marketing purposes.

6. Data Security and Retention

We maintain physical, electronic and procedural safeguards designed to protect your personal information against unauthorized access, use, alteration or disclosure. Access is limited to those employees, agents or vendors who need the information to perform their job functions.

We retain your personal information for the period necessary to fulfil the purposes described above (underwriting, servicing, claims), and as required by law or regulatory obligations. Once retention is no longer necessary, we securely dispose of or anonymize the data in accordance with our internal policies and applicable law.

7. Your Rights

Depending on applicable law, you may have certain rights regarding your personal information. For example:

  • You may request access to the personal information we hold about you

  • You may request correction of inaccurate or incomplete personal information

  • You may request deletion of personal information (subject to legal or business exceptions)

  • You may request limitation of certain processing of your personal information

  • You may withdraw your consent (where processing is based on consent)

To submit a request, contact us at the address below. We may require verification of your identity before fulfilling a request. We may decline requests to the extent permitted by applicable law.

8. Cookies and Website Tracking

If you use our website, we may use cookies, web beacons or other tracking technologies to collect information about your use of our site (such as IP address, browser type, pages visited, time spent). This helps us improve the functionality, performance and user-experience of our website. You may typically disable cookies via your browser settings; however, doing so may affect certain site features.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services or legal/regulatory requirements. When we do, we will revise the “Last Updated” date above and publish the updated Policy on our website and/or notify you as required by law.

10. Contact Us

If you have questions about this Privacy Policy or would like to exercise any of your rights, you may contact:

Farmers Mutual Fire Insurance Company of Washington County
125 E. Jackson Blvd. Suite 4 Jonesborough, TN 37659

(423) 753-2891

Acknowledgement
By obtaining or renewing an insurance policy with us, you acknowledge that you have read and understood this Privacy Policy and consent to the practices described herein.