Brotherhood Mutual Privacy Policy

Effective date: 9/7/2010. Latest Revision: 3/21/2024.

Brotherhood Mutual Insurance Company (“Brotherhood Mutual”) is committed to protecting the personal information of its employees, customers, and website visitors. This Privacy Policy describes our practices for collecting, using, maintaining, protecting, and disclosing personal information.

Personal Information We Collect

We collect information that is necessary for us to offer, issue, and manage insurance coverage and other related products and services. The three primary types of information we collect are Customer Information, Financial Information and Claimant Medical Information.

Customer Information includes identifying information such as your name, address, telephone number, and email address. Depending on the product or service, it may also include information about your driving history, employment history, or education.

Financial Information includes information covered by the Fair Credit Reporting Act and such information as your credit history and certain bank account information used for electronic premium payments.

Claimant Medical Information includes information about health insurance, treatment, and medical history of individuals who make an injury-related claim under a Brotherhood Mutual policy.

Personal Information does not include any information that is available to the public through governmental or private organizations, state or federal court systems, media outlets, or otherwise.

How We Collect Personal Information

We obtain the personal information described above from the following categories of sources:

  • You.
  • Independent sales agents.
  • Our service providers.
  • Your employer.
  • Other third parties whom you have authorized to provide us information or as otherwise permitted by law.

How We Use Personal Information

We use or disclose personal information for one or more business purposes, including:

  • To offer insurance products, payroll services, and related services.
  • To maintain and service accounts.
  • To underwrite, rate or otherwise manage an insurance policy.
  • To process, investigate, adjust and administer claims.
  • To operate and improve the services available through us.
  • To communicate with you and respond to your inquiries.
  • To conduct research about your use of our products.
  • With respect to employees of Brotherhood Mutual, to manage your employment relationship with us.
  • To help offer you other products, features, or services that may be of interest.
  • To provide you with information about our products, manage your registration for and attendance at our events and webinars, provide you with customer support or otherwise communicate with you.
  • To enhance your customer experience and improve our products and services.
  • To develop and offer new products and services.

In addition to the business purposes above, we share your personal information when it is necessary to comply with legal or regulatory requirements.

Information Shared with Business Partners

In the normal course of our business, we may disclose information we collect about you to companies or individuals that contract with us for strategic purposes or to perform service functions such as record keeping or computer related services. When we provide personal information to a strategic partner or service provider, it is our expectation that these providers will safeguard your information, will use the information only for the intended purpose, and will abide by applicable law.

We may disclose the personal information described under Personal Information We Collect to one or more of the following categories of third parties for business purposes:

  • Our subsidiaries and affiliates.
  • Companies or individuals that contract with us for strategic alliance purposes.
  • Employees of our alliance partners, affiliates and subsidiaries.
  • Independent sales agents.
  • Our contractors and service providers.
  • Other third parties whom you have authorized us to disclose your information to or as permitted by law.

In the preceding 12 months, we have not sold any personal information.

Marketing Email Communications

We use information about you to communicate with you about products, services, webinars, and events, and to provide educational communications such as risk management information, newsletters, and information we think will be of interest to you via email. You may opt out of this type of marketing communication by following the instructions at the bottom of those email communications. If you opt out of promotional or educational email communications, we may still send you non-promotional communications, such as information about your account or policy with us.

Financial and Medical Information

We will not disclose policyholder Financial Information or Claimant Medical Information to anyone outside Brotherhood Mutual unless you have authorized us to do so, or as permitted or required by law. Examples of disclosures permitted by law include disclosure to organizations that provide claims administration, underwriting, investigation, or policyholder services for us or on our behalf.

Independent Sales Agents

Sales agents representing Brotherhood Mutual Insurance Company are independent, and an independent sales agent may gather and retain Customer Information, Financial Information, and/or Claimant Medical Information about you. The use and protection of that information by your independent sales agent is the responsibility of the agent, not the responsibility of Brotherhood Mutual Insurance Company. If you have questions about whether or how your independent sales agent uses or discloses such information, please contact your agent directly.

How We Secure Your Information

We are committed to keeping the personal information collected from our customers and prospects confidential and secure. We maintain administrative, technical, and physical security controls to protect your personal information, whether written, spoken, or electronic. We update and test our systems regularly to ensure the protection and integrity of information that we maintain.

Web Beacons and Cookies

When you visit one of Brotherhood Mutual’s websites, we gather information such as your computer’s internet address, the browser you are using and which web pages referred you to one of our websites. We collect this information so that we can analyze the use of our websites to improve our services and your experience.

This information is generally obtained by using “cookies.” Cookies are small files that are stored on your computer, but do not include any personally identifiable information about you. Cookies help us track your visits to our websites and learn more about how you are viewing and using our sites.

Your browser and various other services allow you to opt-out of or reject cookies. The help function on your browser can provide additional information on this process. Please note that if you choose to reject cookies some features of our websites may not work properly.


We use Hotjar in order to better understand our users' needs and to optimize this service and experience. Hotjar is a technology service that helps us better understand our users' experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don't like, etc.) and this enables us to build and maintain our service with user feedback. Hotjar uses cookies and other technologies to collect data on our users' behavior and their devices. This includes a device's IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our website. Hotjar stores this information on our behalf in a pseudonymized user profile. Hotjar is contractually forbidden to sell any of the data collected on our behalf.

For further details, please see the 'about Hotjar' section of Hotjar's support site.


This website, online services and any products or services accessed at or through this website are intended for general adult audiences. Any parent or legal guardian may contact Brotherhood Mutual, if your child is accessing this site without your consent. Brotherhood Mutual will take reasonable steps to remove that user’s information from its records.

Separate Policies

The privacy policies of Brotherhood Mutual’s partnering companies and social media providers are separate from ours. Please refer to the websites of these businesses to review their specific privacy policies.

Consumer Rights

Some jurisdictions provide consumers with certain consumer rights related to the access, correction, and deletion of their personal information. If you are a resident of a state listed below, please click on your state for additional information.

Updates to our Privacy Policy

We recognize and respect the privacy concerns of our customers. We are committed to safeguarding your personal information. As a member of the financial services industry, we are posting this privacy notice for informational purposes and will update and post subsequent notices as changes are made or as required by law. When we make changes to this privacy notice, we will revise the “last updated” date at the top of the notice.

How to Contact Us

If you have any questions or comments about this privacy policy, or if you would like to receive a copy of this notice in an alternative format, you may contact us at:

Phone: 1-888-674-6018
Brotherhood Mutual Insurance Company
Attn: Legal Department
6400 Brotherhood Way
Fort Wayne IN 46825