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GET /search-results/

<form class="gsc-search-box" action="/search-results/" method="get" accept-charset="utf-8">
  <fieldset>
    <div class="form-group gsc-input-box">
      <input id="search-field" autocomplete="off" type="text" size="10" class="gsc-input ui-autocomplete-input" name="q" placeholder="Type to search" value="" title="Search Verisk">
    </div>
    <div class="form-group">
      <button type="submit" value="" class="btn gsc-search-button" title="search">
        <img class="search-icon" src="/VDS/Assets/Images/Icons/search-icon.svg" alt="Search Icon">
      </button>
    </div>
  </fieldset>
</form>

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    * Underwriting and Rating
    * Claims
    * Climate and Weather
    * Flood
    * Workers' Compensation
    * Agency Markets
    * Excess and Surplus
    * Reinsurance Solutions
   
    * Catastrophe and Extreme Event Risk
    * Life Insurance
    * Marketing Solutions
    * Property Estimating Solutions
    * Specialty Business Solutions
    * Enterprise Exposure Manager
   
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    * Strategic Alliances
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    * Thought Leadership
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    * Contact

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    * Supply Chain
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STATE DATA PRIVACY NOTICE


 1. Home
 2. Privacy notices, tax information, and website policies
 3. State Data Privacy Notice

Last update: January 12, 2023

This State Data Privacy Notice (“Notice”) is provided on behalf of Insurance
Services Office, Inc. (hereinafter “we” “our” or “us”) and applies to consumers
(hereinafter, “you” or “your”) of California, Colorado, Connecticut, Utah, and
Virginia. Colorado consumers are also entitled to the rights provided by C.R.S.
§ 6-1-1306. This notice applies to website visitors.

Personal information we collect

We collect information that identifies, relates to, describes, references, is
capable of being associated with, or could reasonably be linked, directly or
indirectly, with a consumer. For purposes of this Notice, consumers include
those who interact online or offline with us.

We have collected personal information in the following categories from
consumers in the last 12 months:

Category

Examples

Collected

Identifiers

Real name, alias, postal address, unique personal identifier, online identifier,
Internet Protocol address, e-mail address, account name, or other similar
identifiers

 Yes

Personal information categories in California Civil Code §1798.80(e)

Name, address, telephone number, email address  

 Yes

Protected classification characteristics

Age (40 years of age or older), marital status, gender, veteran or military
status

 No

Commercial information

Records of products or services purchased, obtained, or considered (for customer
support services)

Yes

Internet or another similar network activity

Browsing history, search history, information on a consumer’s interaction with a
website, application, or advertisement

 Yes

Geolocation data

Physical location, geocode, longitude/latitude (via IP address)

 Yes

Audio, electronic, visual, thermal, olfactory, or similar information

 No

Professional or employment-related information

Current or past job history;  performance evaluations

 No

Education information as defined in the Family Educational Rights and Privacy
Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)

Records directly related to a student maintained by an educational institution
or party acting on its behalf, such as grades, transcripts, class lists, student
schedules, student identification codes, student financial information, or
student disciplinary records

 No

Inferences drawn from any of the information identified above to create a
consumer profile

Inference: A derivation of information, data, assumptions, or conclusions from
facts, evidence

Profile: information reflecting a consumer’s preferences, characteristics,
psychological trends, predispositions, behavior, attitudes, intelligence,
abilities, and aptitudes

 No

Sensitive personal information

 * Social security number, driver’s license number, state identification card,
   passport number
 * Account log-in, financial account, debit card, or credit card number in
   combination with any required access or security code, password, or similar
   credentials allowing access to an account
 * Precise geolocation (data or information derived from a device or technology
   used or intended to be used to locate a consumer within a geographical radius
   of 1,750 feet)
 * Racial or ethnic origin, citizenship or immigration status, religious or
   philosophical beliefs, or union membership
 * Contents of a mail, email, and text messages where the business or controller
   is not the intended recipient of such communication
 * Genetic data
 * Biometric information (physiological, behavioral, and biological
   characteristics or activity patterns used to extract a template or other
   identifier or identifying information, such as fingerprints, faceprints and
   voiceprints, iris or retina scans, keystroke, gait, or other physical
   patterns, and sleep, health, or exercise data)
 * Personal information concerning medical history, mental or physical health
   condition, diagnosis, or treatment
 * Personal information concerning sex life or sexual orientation

No

Sources from which we collect personal information

We may obtain personal information from the following sources:

 * Directly from you: for example, from forms you complete or products and
   services offered to you through us, as well as when you communicate with us,
   such as when you send an e-mail or communication through a social media
   platform
 * Indirectly from you: for example, from action you take when visiting our
   websites or that is collected automatically
 * From our affiliates and subsidiaries
 * Publicly available sources

Purposes for which personal information is collected

We may use personal information that we collect for one or more of the following
purposes:

 * To fulfill the reason the information was provided: for example, to provide
   the product or service requested
 * To operate, evaluate, and improve our business
 * To develop, maintain the quality or safety of, improve, upgrade, or enhance
   our products and services
 * To perform market research
 * To advertise and market our products and services and to determine the
   effectiveness of such advertising and marketing
 * To administer our websites
 * As required or necessary in response to law enforcement requests or to comply
   with applicable law, court orders, or governmental regulations

 * To perform auditing related to a current interaction with you and concurrent
   transactions, including, but not limited to, counting ad impressions,
   verifying positioning and quality of ad impressions, and auditing compliance
   with this specification and other standards
 * To detect security incidents
 * To resist and protect against malicious, deceptive, fraudulent, or illegal
   activity
 * To identify and repair errors that impair existing intended website
   functionality
 * To perform services on behalf of, or for, clients or service providers,
   including maintaining or servicing accounts, providing customer service,
   processing or fulfilling orders and transactions, verifying customer
   information, processing payments, providing advertising or marketing
   services, providing analytic services, or providing similar services on
   behalf of clients or service providers
 * To undertake internal research for technological research, development,
   analysis, or demonstration

Categories of third-parties that we disclose personal information to

 * Affiliates and subsidiaries
 * service providers and sub-processors that perform services for us, our
   affiliates, and/or subsidiaries

Purposes for which we disclose personal information to third-parties

We disclose the following categories of personal information to third-parties
for the following purposes:

 * Records of products or services purchased, obtained, or considered (for
   customer support services)

Selling or Sharing of personal information

“Selling” mean the selling, renting, releasing, disclosing, disseminating,
making available, transferring, or otherwise communicating orally, in writing,
or by electronic or other means, a consumer’s personal information to a third
party for monetary or other valuable consideration.

“Sharing” means sharing, renting, releasing, disclosing, disseminating, making
available, transferring, or otherwise communicating orally, in writing, or by
electronic or other means, a consumer’s personal information to a third party
for cross-context behavioral advertising.

[We do not sell or share consumers’ personal information]

Your additional rights

 * You have the right to request the disclosure of:

 * * The categories of personal information we collected about you
   * The categories of sources from which we collected personal information
     about you
   * The purposes for which your personal information was collected
   * The categories of third parties with whom we disclosed your personal
     information
   * The specific pieces of personal information we collected about you

 * You have the right to request the deletion of personal information that we
   have collected from or about you, subject to certain exceptions and
   limitations as provided in applicable law

 * You have the right to correct inaccurate personal information we maintain
   about you

 * You have the right to data portability

Exercising your rights

To exercise your rights, or to appeal a refusal to take action on a previously
submitted request, you or your authorized agent may contact us at:

 * https://secure.ethicspoint.com/domain/media/en/gui/69464/index.html
 * Email us at: privacy@verisk.com
 * 1-844-845-6988

In order for us to process your request, we may ask that you provide information
that reflects your name and current or prior address(es), such as a billing
statement, utility bill, or driver’s license.  Any information collected will
only be used for identity and address verification purposes and you may delete
information such as account numbers, balances, and license number from any such
documents prior to submitting to us.

In the event we decline to take action on a request to exercise one or more of
your rights under applicable law, you have the right to appeal our determination
as follows:

Colorado residents:  If we deny your appeal, you may contact the Colorado
Attorney General at:

https://complaints.coag.gov/s/?varCFT=2

Connecticut residents:  If we deny your appeal, you may contact the Connecticut
Attorney General at:

https://portal.ct.gov/AG/Common/Complaint-Form-Landing-page

Virginia residents:  If we deny your appeal, you may contact the Virginia
Attorney General at:

https://www.oag.state.va.us/consumercomplaintform/form/start?AspxAutoDetectCookieSupport=1

Nondiscrimination

You will not receive discriminatory treatment or be retaliated against for
exercising any of your rights as described above or in accordance with
applicable law. We will not:

 * Deny you goods or services
 * Charge you a different price or rate for goods or services, including through
   granting discounts and other benefits or imposing penalties
 * Provide you a different level or quality of goods or services
 * Suggest that you may receive a different price or rate for goods or services
   or a different level or quality of goods or services

Contact Us

If you have questions or concerns about this notice, you may contact
privacy@verisk.com.

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© 2008, 2023 Verisk Analytics, Inc. All rights reserved.
USA: 1-800-888-4476   Global: + 800 48977489


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PRIVACY PREFERENCE CENTER

When you visit any website, it may store or retrieve information on your
browser, mostly in the form of cookies. This information might be about you,
your preferences or your device and is mostly used to make the site work as you
expect it to. The information does not usually directly identify you, but it can
give you a more personalized web experience. Because we respect your right to
privacy, you can choose not to allow some types of cookies. Click on the
different category headings to find out more and change our default settings.
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These cookies are essential in order to operate our site. This includes
technologies that allow you access to our Site, identify irregular site
behavior, prevent fraudulent activity and improve security or allow you to make
use of the Site’s functions. In short, without these cookies our website won't
work properly or won't be able to provide certain features and functionalities.

PERFORMANCE COOKIES

Performance Cookies

These cookies collect information about your visits to the Site. They help us
understand the manner in which you browse the Site, if you have interacted with
our messaging, determine whether you have viewed an item or link, or to improve
our website content, applications, services, or tools.

FUNCTIONAL COOKIES

Functional Cookies

We may use cookies, web beacons, or other similar technologies that allow us to
offer you enhanced functionality when accessing or using our sites, services,
applications, or tools. This may include identifying you when you sign into our
sites or keeping track of your specified preferences, interests, or past items
viewed so that we may enhance the presentation of content on our sites.

TARGETING COOKIES

Targeting Cookies

These cookies may be set through our site by our advertising partners. They may
be used by those companies to build a profile of your interests and show you
relevant adverts on other sites. They do not store directly personal
information, but are based on uniquely identifying your browser and internet
device. If you do not allow these cookies, you will experience less targeted
advertising. At this time, Verisk does not utilize or participate in online
advertising networks, targeted or otherwise. It’s possible that by engaging with
3rd party functionalities that may exist on portions of this website, (for
example, social network and video platforms) targeting cookies from such
functionality providers may be used by them to present you targeted advertising
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