State insurance regulations require agents to read the applicable state disclosure script to the applicant before collecting personal information, loss history, or credit data. To comply with state-level insurance privacy regulations and fair credit reporting laws, Openly requires agents to obtain verbal authorization prior to running consumer reports (such as credit-based insurance scores or claims history).
Failure to read these disclosures before collecting applicant data can lead to regulatory non-compliance, legal exposure, and policy binding delays.
Directions for Agents
- Identify the Property State: Determine the state where the insured property is located.
- Review the Script: Locate the corresponding state disclosure in the table below and review with the applicant prior to entering their personal information into the Agent Portal.
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Address Privacy Inquiries: If an applicant requests full details on how Openly handles their data, direct them to Openly’s Privacy Policy. Policyholders can also find additional details on the privacy notice form included in their policy documents.
State-Specific Disclosures
| State | Script to Read to Customer |
|---|---|
| Alabama | In connection with this insurance, we may obtain and use information from public records and consumer reports, such as loss history and your credit-based insurance score. |
| Arizona | In connection with this insurance, we may collect personal information from other sources, such as public records and consumer reports, which we may disclose to third parties under certain circumstances. Each individual on your quote or policy may request to access and correct their personal information. A written notice of our information practices is available upon request. |
| Connecticut | In connection with this insurance, we may collect personal information from other sources, such as public records and consumer reports, which we may disclose to third parties under certain circumstances. Each individual on your quote or policy may request to access and correct their personal information. You also have the right to request in writing consideration of an extraordinary life circumstance which occurred within the last 3 years that may have been used in underwriting this policy A written notice of our information practices is available upon request. |
| Delaware | In connection with this application for insurance, we may obtain or use a credit-based insurance score based on the information contained in your credit report. We may use a third party in connection with the development of your insurance score. If we do use a credit-based score, you will have the right on an annual basis to request that we obtain a current credit report for you and determine whether use of the new credit report would result in a decrease in your insurance premiums. If the new credit report that we receive would result in a decrease in your insurance premiums, we will make that reduction. If the new credit information would not reduce your insurance premiums, the credit report will not be used to impact your premiums in any way. We also may use information from public records and other consumer reports, including claims history. |
| Georgia | In connection with this application for insurance, we may collect personal information from other sources, such as public records and consumer reports, which we may disclose to third parties under certain circumstances. We may obtain or use a credit based insurance score based on the information contained in your credit report. We may use a third party in connection with the development of your insurance score. Each individual on your quote or policy may request to access and correct their personal information. A written notice of our information practices is available upon request. |
| Illinois | In connection with this application for insurance, we may collect personal information from other sources, such as public records and consumer reports, which we may disclose to third parties under certain circumstances. We may obtain or use a credit-based insurance score based on the information contained in your credit report. We may use a third party in connection with the development of your insurance score. Each individual on your quote or policy may request to access and correct their personal information. A written notice of our information practices is available upon request. |
| Indiana | In connection with this application for insurance, we may obtain or use a credit-based insurance score based on the information contained in your credit report. We may use a third party in connection with the development of your insurance score. We also may use information from public records and other consumer reports, including claims history. |
| Kansas | In connection with this insurance, we may obtain and use information from public records and consumer reports, such as loss history and your credit-based insurance score. If an adverse decision is made based on your credit information, you may appeal the decision. |
| Kentucky | In connection with this insurance, we may obtain and use information from public records and consumer reports, such as loss history and your credit-based insurance score. |
| Maine | In connection with this application for insurance, we may collect personal information from other sources, such as public records and consumer reports, which we may disclose to third parties under certain circumstances. We may obtain or use a credit-based insurance score based on the information contained in your credit report. We may use a third party in connection with the development of your insurance score. Each individual on your quote or policy may request to access and correct their personal information. A written notice of our information practices is available upon request. |
| Massachusetts | In connection with this insurance, we may obtain and use information from public records and consumer reports, such as loss history and your credit-based insurance score. |
| Michigan | In connection with this application for insurance, we may obtain or use a credit-based insurance score based on the information contained in your credit report. We may use a third party in connection with the development of your insurance score. We also may use information from public records and other consumer reports, including claims history. |
| Mississippi | In connection with this application for insurance, we may obtain or use a credit-based insurance score based on the information contained in your credit report. We may use a third party in connection with the development of your insurance score. We also may use information from public records and other consumer reports, including claims history. |
| Missouri | In connection with this insurance, we may obtain and use information from public records and consumer reports, such as loss history and your credit-based insurance score. |
| New Hampshire | In connection with this application for insurance, we may obtain or use a credit-based insurance score based on the information contained in your credit report. We may use a third party in connection with the development of your insurance score. We also may use information from public records and other consumer reports, including claims history. |
| New Mexico | In connection with your application for insurance coverage, we may review and use information contained in your credit report to help determine your premium or your eligibility for coverage. We also may use information from public records and other consumer reports, including claims history. |
| Ohio | In connection with this insurance, we may obtain and use information from public records and consumer reports, such as loss history and your credit-based insurance score. |
| Oklahoma | In connection with this application for insurance, we may obtain or use a credit-based insurance score based on the information contained in your credit report. We may use a third party in connection with the development of your insurance score. We also may use information from public records and other consumer reports, including claims history. |
| Oregon | In connection with this insurance, we may obtain and use information from public records and consumer reports, which we may disclose to third parties under certain circumstances. We may check your credit-based insurance score. You have the right to request a written statement describing the use of credit. Each individual on your quote or policy may request to access and correct their personal information. A written notice of our information practices is available upon request. |
| Pennsylvania | In connection with this insurance, we may obtain and use information from public records and consumer reports, such as loss history and your credit-based insurance score. |
| South Carolina | In connection with this application for insurance and in the future, we may obtain and use information from public records and consumer reports, such as loss history and your credit-based insurance score. |
| Tennessee | In connection with this application for insurance, we may obtain or use a credit-based insurance score based on the information contained in your credit report. We may use a third party in connection with the development of your insurance score. We also may use information from public records and other consumer reports, including claims history. |
| Utah | In connection with this insurance, we may obtain and use information from public records and consumer reports, such as loss history and your credit-based insurance score. |
| Virginia | In connection with this application for insurance, we may collect personal information from other sources, such as public records and consumer reports, which we may disclose to third parties under certain circumstances. We shall obtain or use an insurance credit score based on the information contained in your credit report. We may use a third party in connection with the development of your insurance credit score. You may request that your credit information be updated and if you question the accuracy of the credit information, we will, upon your request, reevaluate you based on corrected credit information from a consumer reporting agency. Each individual on your quote or policy may request to access and correct their personal information. A written notice of our information practices is available upon request. |
| Wisconsin | In connection with this insurance, we may obtain and use information from public records and consumer reports, such as loss history and your credit-based insurance score. |
For further assistance, contact us via our webform or Live Chat.