Privacy Policy

This website is maintained by Underwriting Management Experts (UME) on behalf of itself, and these Privacy Principles guide UME’s conduct in the collection, use, release and security of personal and confidential information it obtains as part of its business of providing, producing and servicing commercial and personal lines insurance products, including underwriting, policy administration, insurance claims adjusting, production, appraisal and loss control services. These principles define UME’s commitment to the privacy and integrity of the information it accumulates, manages and stores.

Who collects and has access to non-public personal information?

Personal information may be collected by and/or shared with employees of UME or by any of UME’s authorized representatives, attorneys, or others who provide services to UME in connection with providing, producing and servicing its commercial and personal lines insurance products, such as claims administrators, independent appraisers, managed care providers, systems vendors, or similar service providers. UME requires service providers to honor the privacy principles in the handling of non-public personal information obtained through its business relationship with UME. Additionally, UME may disclose information to third parties as allowed or required by law. For example, information may be released to comply with a statutory reporting requirement or in response to a subpoena or other order or inquiry of a court, regulator or governmental agency or to fulfill UME’s obligations to its insurers or reinsurers.

Why does UME need personal information and what does it do with it?

UME limits the collection, disclosure and use of customer information to only what is needed to properly produce, underwrite and service its insurance products and/or to fulfill legal or regulatory requirements. UME collects personal information solely for conducting its business of producing, underwriting, servicing and administering its insurance products including, but not limited to:

o    Producing business through its producers

o    Underwriting and renewal of its commercial and personal lines insurance products

o    Claims handling and adjusting, including investigation and payment of claims

o    Claims administration and reporting

o    Fraud detection and prevention

o    Loss control

o    Complying with the law and statutory reporting requirements

o    Business activities that UME may legally undertake

UME does not sell information to any third parties and does not use it for marketing any of its insurance products.

What types of information are collected?

The type of information that UME collects varies according to the insurance product involved, and may include information UME receives from you on applications and other forms; information UME receives from your employer; information UME receives from other sources such as motor vehicle reports or other insurance support organizations or medical providers.

Safeguarding Your Privacy

Access to non-public personal information is limited to those employees, and authorized representatives, attorneys and service providers who specifically need such information to conduct their business responsibilities. If you conclude your relationship with UME, UME will continue to safeguard your privacy in accordance with the standards described in this notice. UME maintains physical, electronic and procedural safeguards to protect non-public personal information.

About Our Website

UME’s website is used only to disseminate information. UME does not place electronic “cookies” in the browser files of any guests and does not collect any individual information as a result of the public visiting the site. In other words, UME may count how many times its site has been visited, but it does not gather any personal information about the visitors. If you send UME an email, your communication will identify you to UME. However, UME will only use the information you provide to respond to your inquiry or in a manner you authorize.

UME reserves the right to change its policy regarding cookies and the collection of information from visitors at any time without advance notice. Should any new policy be put into effect, UME will post it on this website, and the new policy will apply only to information collected thereafter. Any such policy will permit visitors to “opt out” of the collection of any personally identifying information.

The privacy of communication over the internet cannot be guaranteed. If you are concerned about the security of your communication, we encourage you to send your correspondence through the postal service or use the telephone to speak directly to us. UME does not represent or warrant that the site, in whole or in part, is appropriate or available for use in any particular jurisdiction. Those who choose to access the site do so on their own initiative and at their own risk, and are responsible for complying with all local laws, rules and regulations. UME does not assume any responsibility for any loss or damage you may experience or incur by the sending of personal information over the internet by or to UME. This Usage Agreement shall be governed by the laws of the United States and of the State of Pennsylvania, without giving effect to its conflict of laws provisions.


Download our Overview Brochure for more information on what you can expect from UME or contact us today for a quote.