Privacy Policy


Granite Re, Inc. and its affiliates (collectively, “Granite”) are committed to protecting your privacy and earning your trust. This Policy describes the personal information we collect about you and how it is used and protected. This Policy applies to our prospective, current, and former clients, prospective employees, claimants, online visitors, and any other individuals interacting with Granite. However, this policy does not replace other applicable policies, practices, or privacy notices that may relate to specific business relationships you have with Granite or to certain products and services, as described in the applicable privacy notice. In the event of a conflict between this Privacy Policy and a privacy notice for a specific product, service or relationship, the privacy notice applicable to such product, service, or relationship shall govern but only to the extent of the conflict. If there are any material changes to this Policy, those changes will be posted on this web page.


Information We Collect


We may collect personal information for legitimate business purposes such as but not limited to serving your insurance needs, providing services to you, evaluating you as a prospective employee, administering your claim, and/or maintaining our internal systems. Personal information includes any information that identifies you or describes your relationship with Granite.


The types of personal information we may collect about you include but are not limited to:


  • Information you provide on applications or other forms, or in your verbal responses to our questions. This may include, but is not limited to, identifying information such as name, address, email address, social security number, driver’s license number, employment or education information, medical or health information, banking information, and information about your assets and income;
  • Information regarding your transactions with us including, but not limited to, issued surety bonds, insurance policies purchased premium payment history, and claims history; and
  • Information we receive from third parties, such as, but not limited to, a consumer reporting agency, service providers or governmental entities.

Information Shared Among Granite and its Affiliates


As permitted by law, Granite and its affiliates may share your personal information with each other for various purposes, such as offering you other services or opportunities made available by our affiliates.


The sharing of such information relieves our clients of the burden of providing duplicate information each time they apply for a new product with any of our affiliates. In addition, sharing information allows Granite to develop and enhance services to offer a competitive range of services to our clients. Granite will only share information for legitimate business purposes with the goal of providing our clients with convenience and more choices and maintaining the quality of the services.


Disclosure of Information to Third Parties


We do not sell our client lists or any personal information regarding our clients.


We do not disclose any non-public personal information about you to anyone, except as required or permitted by law, or as otherwise described in this policy. We may disclose the information we collect about you to non-affiliated companies to provide you with insurance products and services and for other legitimate and lawful business purposes. For example, we may disclose information about you to third parties to assist us in servicing your policies and/or claims, to protect the rights, privacy and safety or property of Granite or others, to permit Granite to pursue available remedies or limit the damages that we may sustain.


We may de-identify your information by removing any identifiers such as your name or by aggregating information about multiple individuals. Such de-identified or aggregated information does not personally identify you. Granite may share that information with third parties for lawful purposes.


Safeguarding Your Privacy


We maintain physical, electronic, and procedural safeguards to protect your personal information. Granite works with a number of third parties to help protect your personal information and maintain the security of our network and may share your personal information with such third parties to the extent necessary to obtain the third party’s services. Granite and its agents reserve the right to monitor or decrypt any communications, including but not limited to secure communications, that you send to Granite personnel or its affiliates.


Additional Information for Web Site Visitors


We collect two kinds of information about our online visitors. Traffic data in an unidentified format is collected from visitors who are accessing our public pages. This traffic data is used to track such things as the number of guests visiting our site; the areas of the site visited; date and time of access; device type; browser and operating system type used by the visitor; and host or service provider information. This traffic data is collected to better serve our online visitors.


Personal information about our online visitors is only collected when you voluntarily and directly offer it for the purposes set forth in this site. Personal information which you provide to us is kept confidential and will not be disclosed to third parties, except as otherwise provided herein.


Cookies


Cookies are pieces of information that are stored on your computer when you visit certain websites. Cookies help provide online visitors with a more enhanced experience when using a website. Granite may place a “cookie” in the browser file of an online visitor’s computer. Granite uses these cookies to keep a record of which web pages you have visited on our site. Granite does not use cookies to access any information that would reveal your identified or other personal information about you. Granite collects your personally identifiable information only when you directly provide it to Granite.


Do Not Track Signals


Granite does not collect personally identifiable information about your online activities by means of a tracking device. Therefore, Granite does not respond to “do not track” signals or other mechanisms that provide you the ability to exercise choice regarding the collection of personally identifiable information about your online activities over time and across third-party websites or online services.


Granite may provide links to third party websites through the Granite website. Your use of those third party websites is subject to the terms of the Privacy Policies applicable to those websites and Granite assumes no responsibility and makes no assertions as to such third parties’ use of tracking devices.


Children Under 13 Years of Age


The Granite website is not directed to children under the age of 13. We do not knowingly collect or maintain personal information from children under the age of 13 via our website.


Internet Communication


Granite cannot guarantee the privacy of any communications made over the Internet. While we maintain reasonable electronic safeguards regarding our enrolled users, we will not assume any responsibility for any harm, loss or damage you may incur as a result of your transmittal of personal information over the Internet to or by Granite.


Third Party Websites


Granite is not responsible for the privacy practices of any other websites that may be linked to the Federated websites. We encourage you to review those third party privacy statements as their privacy policy may differ from ours.


Consent


By accessing this site and providing your personal information to Granite, you are signifying your consent to Granite’s Privacy Policy. This Privacy Policy applies to our United States operations. Granite offers insurance products and services in the United States and such products and services are not intended to subject Granite to the laws or jurisdiction of any state, country, or territory other than that of the United States. Granite reserves the right to update this Policy from time to time and any changes will be effective immediately upon posting to this website. This Privacy Policy is effective December 17, 2019.


State Specific Rights