Privacy Policies

The personal privacy of our policyholders is of great importance to the Minnesota FAIR Plan. This notice is intended to inform you of our policies for collecting, using, securing and sharing of nonpublic personal information.

Our Privacy Principles

We do not sell customer information. We do not provide customer information to persons or organizations outside the FAIR Plan for marketing purposes, although we do share information with our Member Companies for purposes of returning FAIR Plan insureds to the voluntary market. We afford the same protection for current and former policyholders of the FAIR Plan, as well as applicants for insurance with the FAIR Plan.

Information we may collect

We collect and use information needed to conduct our business, and to provide you with customer service. We may collect and maintain several types of information needed for the day-to-day operation of the FAIR Plan such as: We may share information with Property Evaluators when necessary to perform an inspection and evaluation of your property. We may share information with Claim Adjusters when necessary to investigate a claim made under your policy of insurance. We may share information with Private Investigators when necessary for claims or underwriting purposes. We may share information with our Legal Counsel when necessary for claims or underwriting purposes. We may share underwriting and claim information with our Member Companies for the purpose of returning our policyholders to the voluntary insurance market. We will share information with parties outside the FAIR Plan if you direct us to do so in writing. We will share information with Law Enforcement Agencies when required. We will share information with the Courts when required. We will share information with the Department of Commerce when required. We will share information when requested by persons who are a party to your insurance contract such as: your Agent, your Contract for Deed Holder, your Mortgage Holder, other Named Insureds or Additional Insureds listed on your policy of insurance.

How we use the information we collect

We use customer information to underwrite our policies, process your claims, ensure proper billing, and to service your account. We may share information with Property Evaluators when necessary to perform an inspection and evaluation of your property. We may share information with Claim Adjusters when necessary to investigate a claim made under your policy of insurance. We may share information with Private Investigators when necessary for claims or underwriting purposes. We may share information with our Legal Counsel when necessary for claims or underwriting purposes. We may share underwriting and claim information with our Member Companies for the purpose of returning our policyholders to the voluntary insurance market. We will share information with parties outside the FAIR Plan if you direct us to do so in writing. We will share information with Law Enforcement Agencies when required. We will share information with the Courts when required. We will share information with the Department of Commerce when required. We will share information when requested by persons who are a party to your insurance contract such as: your Agent, your Contract for Deed Holder, your Mortgage Holder, other Named Insureds or Additional Insureds listed on your policy of insurance.

What information we share

In order to conduct our normal business activities, we must sometimes share information with persons outside the FAIR Plan.

Protection of your information

We require that any person or organization that receives nonpublic information from us protect the confidentiality of that information. We require all our vendors to have and follow policies that guarantee the privacy of the information that we provide to them. We also maintain physical, electronic and organizational safeguards to protect customer information. We continually review our policies and procedures, monitor our computer network and test the strength of our security in order to ensure the safety of your information.