Occidental Consumer Privacy Policy
This Privacy Policy is provided by Occidental Fire & Casualty Insurance Company of North Carolina and its affiliates, Wilshire Insurance Company and Acceptance Casualty Insurance Company (hereinafter collectively, “Occidental”). This Privacy Policy applies to information gathered on this site only.

The trust of our customers is extremely important to Occidental. Occidental safeguards that trust by keeping non-public personal information about customers in a secure environment and using that information in accordance with this Privacy Policy.

This Privacy Policy includes examples of the types of non-public personal information we collect. These examples are illustrative and should not be considered a complete inventory of our information collection, use and sharing practices. In addition, you may have other privacy protections under some state laws. Occidental will comply with applicable state laws regarding information about you. For example, certain state laws may restrict the types of information we may disclose about you or require us to provide you with additional notices.

Please note that this Privacy Policy will not apply to your relationships with other financial service providers, such as banks, credit card issuers, finance companies and independent insurance agents that are not part of the companies listed at the beginning of the Privacy Policy. Their privacy policies will govern how they collect, use and disclose personal information that you allow them to access.

Below is Occidental’s privacy pledge to our customers:

Information We May Collect

Occidental may collect non-public personal information about you from the following sources:

  • Information we receive from you (or is provided to us on your behalf), such as your name, address, email address, and bank account information;
  • Information about your transactions with Occidental or other nonaffiliated parties, such as your name, address, availability of funds, insurance coverage,  transaction history, claims history and premiums;
  • Information from consumer reporting agencies, public records and data collection agencies, such as your obligations with others and your creditworthiness.

Occidental does not store your bank account information. We use your personal bank account information that you provide on this site to process your request to make a payment. We transmit that information to our payment vendors and discard that information upon completion.

Occidental does not distribute or sell any information about current or existing customers.

The non-public personal information Occidental collects is used to provide customer service and administer your account. Occidental does not distribute or sell any information about current or existing customers.

Disclosures Permitted by Law

Occidental may disclose all of the non-public personal information described above, as permitted by law. For example, we may use affiliated and nonaffiliated parties to perform services for us, such as providing customer assistance, handling claims protecting against fraud and maintaining software for us. Occidental also may disclose information in response to requests from law enforcement agencies, regulatory authorities, or the request of any court or government agency with proper jurisdiction.

Information regarding Former Customers

Occidental does not disclose non-public personal information about former customers or customers with inactive accounts, except in accordance with this Privacy Policy.

Our Security Procedures

Occidental restricts access to non-public personal information about you to those employees whom we determine have a legitimate business purpose to access such information in connection with the provision of products or services to you. Occidental employs security techniques designed to protect our customer data.

Changes to this Privacy Policy

Occidental reserves the right to modify or supplement this Privacy Policy at any time. Occidental will provide a revised notice for this site that describes our new practices and made available at http://service.occidentalhomeowners.com.

Occidental values its relationship with you and appreciates the opportunity to bring you quality products and services.