PRIVACY POLICY

Privacy Policy

Emerling Floss Murphy & Associates, LLC

Our Commitment to Your Privacy

Emerling Floss Murphy & Associates, LLC (EFM&A) is committed to protecting the privacy and confidentiality of our customers’ personal information. In order to provide insurance products and services that meet your needs, we must collect certain personal information.

EFM&A does not disclose nonpublic personal information to affiliated or nonaffiliated third parties for marketing purposes. Our information-handling practices are governed by this Privacy Policy and applicable state and federal law. This notice explains how we collect, use, and safeguard your information while continuing to provide the services you expect.

Collection of Personal Information

We collect most personal information directly from you. This includes information provided on insurance applications, forms, and other communications. In some cases, we may contact you by phone, email, or mail to obtain additional details.

Depending on the type of insurance transaction, we may also obtain information from outside sources such as:

  • Motor vehicle records

  • Loss history reports

  • Credit reports

  • Court records or other public records

For property insurance, inspections may be conducted to verify property condition and value, and photographs may be taken.

We may also receive information from insurance carriers, consumer reporting agencies, or other third parties. Consumer reports may include information related to creditworthiness or credit history. Upon request, we will inform you how to obtain a copy of any consumer report used in connection with your insurance.

Use and Disclosure of Personal Information

Personal information collected about you is maintained in our agency records or within insurance company policy files. We use this information to:

  • Evaluate insurance applications

  • Determine eligibility and pricing

  • Issue and service insurance policies

  • Process payments

  • Investigate and settle claims

EFM&A may disclose personal information as necessary to conduct insurance-related business functions, including underwriting, policy servicing, and claims handling. Information disclosed may include:

  • Information you provide on applications and forms, such as name, address, income, assets, and Social Security number

  • Transaction information such as payment history and balances

  • Information from consumer reporting agencies related to credit history or creditworthiness

If coverage is declined or premiums are increased based on information from a consumer report, you will be notified in accordance with state law and the federal Fair Credit Reporting Act, including the name and address of the reporting agency.

Parties to Whom Information May Be Disclosed

EFM&A does not disclose personal information without your consent unless disclosure is required or permitted by law to conduct our business. Permitted disclosures may include:

  • Insurance carriers

  • Reinsurance companies

  • Service providers performing insurance, professional, or business functions

  • Claims adjusters, investigators, appraisers, and attorneys

  • Insurance support organizations involved in fraud detection or prevention

  • Insurance regulatory agencies

  • Law enforcement or governmental authorities in cases of suspected fraud or as required by law

  • Parties authorized by subpoena, court order, or legal process

  • Mortgagees, lienholders, lessors, or others with a legal or beneficial interest in a policy

  • Fiduciaries or representatives acting on your behalf, such as attorneys or accountants

  • Parties administering transactions authorized or requested by you

Confidentiality and Security

EFM&A maintains physical, electronic, and procedural safeguards designed to protect your personal information from unauthorized access. Employee access to personal information is limited to those with a legitimate business need. Employees are trained on the importance of confidentiality and privacy protection.

Former Customers

Our privacy practices apply even after your customer relationship with EFM&A ends.

Contact Information

If you have questions about this Privacy Policy or how your information is handled, please contact us at:

Emerling Floss Murphy & Associates, LLC
Phone: (716) 631-0190