July 1, 2004





The members of Great American Insurance Group ("Great American", including the companies listed at the end of this Notice) respect your right to privacy.  The terms of this Notice apply to those individuals who inquire about or obtain insurance from Great American primarily for personal, family or household purposes.  If you are interested in annuities, life and health insurance products, please see the privacy notice within the web site of our affiliate, Great American Financial Resources, Inc.  To access it, click on Annuities, Life & Health from our home page.

We want you to know about our procedures for protecting your privacy and your rights and responsibilities regarding non-public personal data (referred to as “data” in this notice) we receive about you.  We want you to understand how we gather data about you and how we protect it.  We will provide our customers with a copy of the most recent notice of our privacy policy at least annually and more often if we make any changes affecting their rights under our privacy policy.  This Notice applies to current and former customers of Great American.

Great American does not share your data except as allowed by law.  As a result, you do not need to take any action under this Notice.  If we change our practices in the future, we will advise you. If applicable, we will allow you to opt-out of certain sharing.

1.   What kind of data is collected about you?

We get most of our data about you directly from you, such as your name, address, social security number, income level and certain other financial data.  We collect data that you provide during the insurance application process, and by other contact with you by mail and over the phone.  We may need additional data or may need to verify data you have given us.  In some cases, we may obtain data from outside sources at our own expense.

For instance, we may collect data from consumer reporting agencies such as credit worthiness and history or employment history.  If you send a written request to the address below, we will inform you of the name and address of any agency we have used to prepare a report on you so that you can contact the agency.

Once you become our customer, we may collect data related to our experiences and transactions with you. This could include data such as insurance policy coverage, premiums and payment history, and any claims you make under your insurance policy.  For example, we will retain data collected by a claims representative and any police or fire reports.

We may also collect data about you from our affiliates regarding their transactions and experiences with you (such as your payment or claims history).  We do not currently share other credit-related data, except as allowed or required by law.

Finally, we may collect data through use of "cookies" when you interact with our web sites to make that experience easy and meaningful for you, or when you email us.  When you visit our web site, our web server sends a cookie to your computer.  A cookie is an electronically transmitted file that holds small pieces of information.  When you navigate through our web site, your browser "requests" pages for you to view, and that request will include the information stored in the cookie we previously sent to your computer.  This process is like an electronic "handshake" between our system and your computer; the information exchanged allows us to recognize your browser.

Cookies are used to collect and store only the following information: the visitor's domain name, the Internet address of the web site from which the visitor linked directly to our web site, the pages of our site that the visitor views and the length of time spent on each page, browser and operating system platform type, and the date and time the visitor accessed our site.

Cookies are used to collect and store only the following information:  the visitor's domain name, the Internet address of the web site from which the visitor linked directly to our web site, the pages of our site that the visitor views and the length of time spent on each page, browser and operating system platform type, and the date and time the visitor accessed our site.

Cookies, as well as data taken from them, do not identify you personally.  They merely recognize your browser.  Unless you choose to identify yourself to us, either by responding to a promotional offer, buying a policy, or registering for an online service, you remain anonymous.

We do not sell this or any other data about you to anyone.  While we strive to protect your data, Great American cannot ensure or warrant the security of any data you transmit to us electronically, and you do so at your own risk.  This web site contains links to other web sites.  Great American is not responsible for the privacy practices or the content of such web sites.

2.   What do we do with data about you?

Data about you will be kept in our records.  We may disclose data to issue and service policies and settle claims.  Generally, we will not disclose data about you to any external organization without your prior authorization.  However, we may, as allowed by law, share data that we collect as set forth below:

·        We may disclose data to your insurance agent.

·        We may disclose data to persons who represent you, including your attorney or trustee.

·        We may disclose data to adjusters, appraisers, auditors, investigators and attorneys.

·        We may disclose data to those who need the data to perform a business, professional or insurance function for us.

·        We may disclose data to other insurance companies, agents or consumer reporting agencies, in connection with any insurance application, policy or claim involving you.

·        We may disclose data to medical professionals to inform you of a medical condition of which you may not be aware and for claims payment purposes.

·        We may disclose data to persons or organizations that conduct research provided that no individual data may be identified in any research study report.

·        We may disclose data (other than health data) to persons or organizations that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

·        We may disclose data to our affiliated companies.

·        We may disclose data to a court, state insurance department or other government agency pursuant to a summons, court order, search warrant, subpoena, or as otherwise required by law or regulation.

We will only disclose your health data in the following ways:

·        As allowed or required by law;

·        With your written consent;

·        To underwrite or administer your policy, claim or account;

·        In a manner as previously disclosed to you by us when we collected your health data.

When we disclose your data to third parties for certain purposes described above, we will require them to use your data only for its intended purpose.

3.   Who has access to your data?

The only people who have access to your data are those who need it to provide or support the provision of products or services to you. We use a system of passwords and other appropriate physical, electronic and procedural safeguards to protect against unauthorized access to your data. We have educated our employees about this Notice and the importance of customer privacy.

4.   How can you review recorded data about you?

You have the right to access and inspect most of the data that we collect about you.  To access your data please send a written request to the address below stating that you would like to access your data.  Either you or your personal representative must sign this request and provide a copy of your driver’s license or other valid photo identification.  You also have the right to request that we correct any data that you believe is incorrect.  To amend your data, please send us a written request, at the address below, stating what data you believe needs correcting. Once again, either you or your personal representative must sign this request.  If you submit a request to amend your data, we will investigate. If we agree, we will correct our records.  Even if we do not correct the data, you have the right to file with us a written statement of dispute, which we will include, in any future disclosure of the data.

5.   How can you contact us?

If you have questions about our privacy policy, please write to us at:


580 Walnut Street

Cincinnati, Ohio 45202

Attn: Compliance Office – Privacy

Alternatively, you can visit our contact us page send us a message.

List of Companies

Great American Insurance Company

Great American Alliance Insurance Company

Great American Assurance Company

Great American Contemporary Insurance Company

Great American E & S Insurance Company

Great American Fidelity Insurance Company

Great American Insurance Company of New York

Great American Lloyd's Insurance Company

Great American Protection Insurance Company

Great American Security Insurance Company

Great American Spirit Insurance Company

Worldwide Casualty Insurance Company

American Empire Insurance Company

American Empire Surplus Lines Insurance Company

American Empire Underwriters, Inc.

American Special Risk, Inc.

Crop Managers Insurance Agency, Inc.

Dempsey & Siders Agency, Inc.

Great American Custom Insurance Services, Inc.

Great American Insurance Agency, Inc.