Last Updated: January 1, 2020
Thank you for visiting Old Republic International Corporation’s (“Old Republic”) website. Old Republic is one of America’s 50 largest shareholder-owned insurance businesses whose subsidiaries actively market, underwrite, and provide risk management services for a wide variety of coverages, mostly in the general and title insurance fields. Old Republic itself does not write insurance, adjust or pay claims, or provide other insurance services. Please visit Our Companies page for information about each of our subsidiaries and the various insurance products and services offered. The information contained herein is provided solely for general informational purposes and is not intended to be a contract, a solicitation or an offer to sell in connection with any product or service. By continuing to use our website, you agree to be bound be these terms. If you do not agree to these terms, please discontinue your use of this website immediately. We reserve the right, at our discretion, to update or revise these terms without notice. Please visit this page periodically for any changes. Your continued use of our website following the posting of any changes herein constitutes your acceptance of those changes.
Old Republic grants you permission to download and/or reprint files from this website for personal or non-commercial use only. In return, you agree not to remove any copyright and other proprietary notices which are contained in such materials. No authorization is granted to copy documents not copyrighted by Old Republic which may appear on or be reached by links from this website.
Except for the rights granted above, no materials available on this website may be copied, stored, transmitted by any means, including but not limited to electronic, mechanical, scanning, photocopying, or recording, without our prior express permission.
You are prohibited from duplicating or using all images, photographs, graphics, logos, and trademarks including Old Republic logos and web page backgrounds without our written permission.
Disclaimer of Warranties and Liability
While every reasonable effort is made to ensure the integrity of the files available for downloading from this website, Old Republic cannot and does not guarantee or warrant that those files are free of viruses, worms Trojan horses, or other codes that have contaminating or destructive properties. Materials available on this website are provided "as is" without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, or fitness for a particular purpose. If your jurisdiction prohibits exclusion of implied warranties, the exclusion of implied warranties may not apply to you.
In no event will Old Republic be liable to any party for any direct, indirect, special or other consequential damages for any use of the materials or information on this website, or any other linked website, including, without limitation, any lost profits, claims or demands, or business interruption, even if we are expressly advised of the possibility of such damages.
Links to Other Websites
Our website may contain links to other sites, and we make every effort to link only to sites that share our high standards and respect for privacy. However, we are not responsible for the content or the privacy practices employed by other sites. Old Republic owns this website and its content and has the right to control access to it and, therefore, prohibits any kind of hyperlink from any other website to our website unless you first obtain our prior written consent.
Last Updated: January 1, 2020
At Old Republic International Corporation (“Old Republic”) we work to earn your trust and we are committed to protecting the privacy and confidentiality of your personal information. This Privacy Notice tells you how we collect, use, share, and protect your personal information through your use of this website. Our policy is to treat the personal information you provide us with the utmost respect and in accordance with applicable privacy laws and regulations. We will not use, collect, or share your personal information except as described in this Privacy Notice.
This Privacy Notice may be updated from time to time so that we can keep you updated as to our data privacy practices. If we make any material changes to our privacy practices the Privacy Notice will be updated by posting the revised version of this Privacy Notice on the Old Republic website under the Legal & Privacy Notices on the website homepage. The updated Privacy Notice is effective as of the date listed at the top of this document. By accessing our website after this date you agree to the terms of our Privacy Notice as of the last effective date however, we will honor the terms that were in effect when we first gathered data from you.
Throughout this notice, the terms “we,” “us,” and “our” refer to Old Republic while the term “you” and “your” may refer to visitors to our website.
If you have any questions regarding our Privacy Notice or practices, please contact us or send your written request to:
Corporate Legal Department
307 N. Michigan Avenue
Chicago, Illinois 60601
We will make every effort to comply with your request.
What Personal Information We May Collect and How We May Use It
We may collect your personal information, which you provide through your use of our website through your computer, tablet or mobile device. We may collect information you provide to us through forms on our website. In addition, we may also collect information about your visits so that you may access certain services and so that we may better understand the interests of those that visit our website. If applicable, when you visit our website from a mobile device, like a smartphone, we may also collect additional information from your device, including your location, device identifier, and information about your mobile network. We may use a variety of tracking technologies to collect this information, including without limitation the following:
How We May Share Your Personal Information
We consider your personal information to be confidential so we limit our sharing outside of Old Republic. In the course of conducting our business, there are circumstances in which we may disclose your personal information to others in accordance with applicable law. When personal information is shared with another party to perform services on our behalf, we expect them to maintain the confidentiality of your personal information, to use the information only for the limited purpose for which it was shared and to abide by all applicable federal and state privacy laws. Such sharing may include:
Analytics Services and Targeted Ads
Do Not Track Disclosure
“Do not track” is a technology that enables users to opt-out of tracking by websites they do not visit. We do not disclose personal information to third parties for their own marketing purposes. Additionally, we do not collect personal information from your online activities over time and across other websites or online services and we do not allow third parties to use these technologies on our website. Because we do not use these technologies, we currently do not monitor, respond or take any action to web browser “do not track” signals or other similar mechanisms.
How We Protect Your Personal Information
The security of your personal information is important to us, and we strive to implement and maintain reasonable, commercially acceptable, security procedures and practices appropriate to the nature of the information we store, to protect it from unauthorized access, destruction, use, modification, or disclosure. We restrict access to personal information about you to those employees who need to know the information in order to provide products and services to you. Unfortunately, no data transmission over the internet or electronic database can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us in accordance with the “Contact Us” section below. You are also responsible for taking reasonable steps to protect your personal information against unauthorized disclosure or misuse. We recommend you utilize the latest, updated version of your web browser. It is important that you create a strong password and protect against unauthorized access to your user name, password and your computer. You should not share your user name and password and be sure to log out and close your browser when you have completed your session.
Links to Other Websites
Only persons that are the age of majority in your jurisdiction or older have permission to access our website. Our website is not designed for, or target to, children under the age of 13. We do not knowingly collect, use, or disseminate personal information from children. If you are a parent or guardian and you learn that your child has provided us with personal information, please contact us and we will promptly delete it. If we become aware that we have collected personal information from a child without verification of parental consent, we will take steps to remove that information from our servers as quickly as possible. If you believe that we might have any personal information from or about a child, contact us at firstname.lastname@example.org.
Cross-border Transfers of Your Personal Information
Our website is directed to residents of the United States. Residents of other countries should not use our websites. If however, you are located outside of the United States and chose to provide personal information to us please note that we transfer the information to the United States and treat the information there in a manner consistent with United States law. The data protection laws in the United States may differ from those of the country in which you are located, and your personal information may be subject to access requests from governments, courts, or law enforcement in the United States.
State Privacy Rights
You may have other privacy protections under applicable state laws. To the extent these laws apply, we will comply with them when we collect, use and share information about you. To review applicable state laws and the rights afforded to you, including but not limited to the California Consumer Privacy Act, please refer to the privacy policies for our Old Republic General Insurance Group and Old Republic Title Insurance Group companies.
Last Updated: May 24, 2019
Historical data pertaining to the operating results, liquidity, and other performance indicators applicable to an insurance enterprise such as Old Republic are not necessarily indicative of results to be achieved in succeeding years. In addition to the factors cited below, the long-term nature of the insurance business, seasonal and annual patterns in premium production and incidence of claims, changes in yields obtained on invested assets, changes in government policies and free markets affecting inflation rates and general economic conditions, and changes in legal precedents or the application of law affecting the settlement of disputed and other claims can have a bearing on period-to-period comparisons and future operating results.
Some of the oral or written statements made in the Company's reports, press releases, and conference calls following earnings releases can constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Of necessity, any such forward-looking statements contained on this site involve assumptions, uncertainties, and risks that may affect the Company's future performance. With regard to Old Republic's General Insurance segment, its results can be affected, in particular, by the level of market competition, which is typically a function of available capital and expected returns on such capital among competitors, the levels of interest and inflation rates, and periodic changes in claim frequency and severity patterns caused by natural disasters, weather conditions, accidents, illnesses, work-related injuries, and unanticipated external events. Title Insurance and RFIG Run-off results can be affected by similar factors and by changes in national and regional housing demand and values, the availability and cost of mortgage loans, employment trends, and default rates on mortgage loans. Life and accident insurance earnings can be affected by the levels of employment and consumer spending, variations in mortality and health trends, and changes in policy lapsation rates. At the parent holding company level, operating earnings or losses are generally reflective of the amount of debt outstanding and its cost, interest income on temporary holdings of short-term investments, and period-to-period variations in the costs of administering the Company's widespread operations.
The General Insurance, Title Insurance and Corporate and Other Segments and the RFIG Run-off business maintain customer information and rely upon technology platforms to conduct business. As a result, each of those businesses and the Company are subject to cyber risks. Many of the Company's operating subsidiaries maintain separate IT systems which reduces the enterprise-wide risks of potential cybersecurity incidents. However, given the potential magnitude of a significant breach, the Company continually evaluates on an enterprise-wide basis its IT hardware, security infrastructure and business practices to respond to these risks and to detect and remediate in a timely manner significant cybersecurity incidents to business process interruptions.
A more detailed listing and discussion of the risks and other factors which affect the Company's risk-taking insurance business are included in Part I, Item 1A - Risk Factors, of the Company's most recent Form 10-K Annual Report to the Securities and Exchange Commission and Part II, Item 1A - Risk Factors, of the Company's most recent Form 10-Q Quarterly Report to the Securities and Exchange Commission, which Items are specifically incorporated herein by reference.
Any forward-looking statements or commentaries speak only as of their dates. Old Republic undertakes no obligation to publicly update or revise any and all such comments, whether as a result of new information, future events or otherwise, and accordingly they may not be unduly relied upon.