Privacy Policy
1. Overview
Elevate Underwriting Ltd. (“we”, “us”, or “our”) is a Managing General Underwriter (MGU) specializing in construction and contracting insurance risks in Ontario, Canada. We are committed to safeguarding Personal Information entrusted to us in the course of providing underwriting, insurance placement, and related insurance services. This Privacy Policy explains how we collect, use, disclose, and protect Personal Information in compliance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).
2. Key Definitions
- Personal Information: information about an identifiable individual collected for legitimate underwriting, claims, regulatory, or business purposes in connection with construction operations.
- Business Contact Information: professional or business contact details (such as name, title, business address, business email, and telephone number) used solely in a commercial context.
- Construction Information: non-personal information relating to construction projects or operations, including project scope, locations, contract values, equipment, subcontracting, and risk management practices.
- Privacy Officer: the individual(s) designated to oversee compliance with this Privacy Policy.
3. Information We Collect
We collect only the information reasonably necessary to provide construction insurance underwriting and related services, which may include:
- Business and professional contact information for insureds, brokers, and authorized representatives.
- Information relating to construction operations, projects, revenues, payroll, subcontracting, and safety programs.
- Insurance and claims history relevant to construction and contracting risks.
- Contractual, financial, or underwriting information required by insurers or regulators.
- Information you provide when contacting us or using our website, including limited technical data such as IP address or browser type.
We do not collect Personal Information that is unrelated to construction insurance or underwriting purposes.
4. How We Use Information
We use the information we collect to:
- Underwrite and assess construction and contracting risks.
- Place and administer insurance coverage with insurers.
- Manage policy changes, renewals, and claims.
- Communicate with brokers, insurers, and other authorized parties.
- Meet legal, regulatory, and internal record-keeping requirements.
- Protect our systems, manage risk, and improve our services.
5. Disclosure of Information
We may disclose Personal Information to third parties as required to conduct our business, including insurers, reinsurers, brokers, claims adjusters, professional advisors, service providers, and regulators. We disclose only what is necessary for the intended purpose and do not sell Personal Information.
6. Consent
Personal Information is collected with your knowledge and consent, except where otherwise permitted or required by law. By providing information or engaging with our services, you consent to its collection, use, and disclosure as described in this Privacy Policy. Consent may be withdrawn, subject to legal, contractual, or insurance-related limitations.
7. Safeguards and Retention
We maintain reasonable physical, technical, and administrative safeguards to protect Personal Information. Information is retained only as long as necessary to fulfill business, legal, regulatory, or insurer requirements, after which it is securely disposed of or anonymized.
8. Access and Corrections
Individuals may request access to or correction of their Personal Information by contacting our Privacy Officer. Requests will be handled in accordance with applicable privacy legislation.
9. Changes to This Policy
We may update this Privacy Policy from time to time. The most current version will be posted on our website with the updated effective date.
10. Contact
For questions or requests regarding this Privacy Policy or your Personal Information, contact:
In writing:
By letter or email to our designated Privacy Officer.
Privacy Officer
Elevate Underwriting Inc.
3250 Bloor Street West
East Tower, Suite 600
Toronto, ON, M8X 2X9, Canada
By email:
To our privacy contact email: privacy@elevateuw.ca
By phone:
To our privacy contact number: 647-547-3409; 4
11. Cookies and Website Use
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You may disable cookies through your browser settings; however, some features of the website may not function properly.
By continuing to use this website, you consent to the use of cookies as described above.