ST. JAMES INSURANCE GROUP PRIVACY POLICY

At St. James Insurance Group, Inc., we understand your concerns about privacy. We hope this notice, which ce, which
describes our use and protection of nonpublic personal information, will help you understand how we treat the
customer information from you or other sources in the course of providing you with our insurance products and
additional services.

Furthermore, we wish to inform you that we do not share your personal information with any non-affiliated third
parties for any purpose that is not specifically authorized by law unless we obtain your affirmative permission.
Whether you're doing business with us through an agent, broker, or our Web site, we want you to know that St.
James Insurance Group, Inc. respects your privacy and protects your information.

* We do not sell your customer information.
* We do not share, loan, or give customer information to persons, companies, or organizations outside of
St. James Insurance Group, Inc.
* We expect persons or organizations that provide services on our behalf to keep customer information
confidential and to use it only to provide the services we've asked them to perform.
* Within St. James Insurance Group, Inc., we communicate regarding the need to protect your information
to those individuals who may have access to it, and we've established physical, electronic, and procedural
safeguards to protect customer information.

PRIVACY POLICY STATEMENT
As a part of our normal operations we collect, and in some cases, disclose information about you. We encourage
you to read the following Privacy Statement that contains information about St. James Insurance Group, Inc.
policies regarding the collection, use, disclosure, and protection of your information.
If you are not comfortable with any of the terms or policies described in this Statement, we encourage you to send
confidential correspondence though the postal service.

What information do we collect?
Personal, Financial and Product Information
We collect personally identifiable information in order to identify and register you as a St. James Insurance Group,
Inc. customer. In addition, we collect personal, financial and product information in order to provide you with
services tailored to your particular needs. By learning about you, St. James Insurance Group, Inc. can deliver more
relevant protection and product offerings and thus offer you better insurance services and options.

The information we collect will vary depending upon the function or processes you select or request. Depending
upon the function, product or process you select (for example, quote, request for proposal, e-mail, purchase), you
may be required to provide information such as:
* Name
* Address
* Phone number
* E-mail address
* Policy(ies) Type(s) & Number(s)

Who Should Use Our Web Site?
Our Web site is for insurance and financial products and services and is not intended for children. We offer
insurance and financial products and services and thus do not market any products or services to children under
the age of thirteen or knowingly collect any information from children under the age of thirteen. If we become
aware that information is or has been submitted by or collected from a child under the age of thirteen, we will
destroy this information.

What kind of customer information do we have, and where did we get it?
Much of the customer information we collect comes directly from you when submitting your application or request
for insurance or other products and services we offer, or in requesting an insurance quote, you may give us
information such as your name, address, and Social Security number. We also keep information about your
transactions with our affiliates, others, or us - for example, the types of products and services you purchase from
us, premiums, policy account balances and payment history. We also may collect information from outside sources,
including consumer reporting agencies and/or health care providers or reporting agencies such as the Medical
Information Bureau (MIB). This information includes loss information reports, motor vehicle reports, credit reports,
and medical information.

Who collects this information?
In order to better service your particular needs, the information noted above is collected by St. James Insurance
Group, Inc., its agents, and other companies working on behalf of St. James Insurance Group, Inc. In addition to
collecting information from you, you should also know that, depending on the nature of your transaction, we may
collect information from outside sources, such as loss information reports, motor vehicle reports, and credit
reports. For property insurance, we may send someone to inspect your property and verify information about the
value and condition of your property.

How is this information used?
The information you submit to us via our on-line forms and e-mail is used to provide you with the response or
service you have requested.

We may also use this information to contact you about our products and services. If you do not wish to receive
these communications, you can write us, e-mail us or simply reply to any e-mails you receive from our employees
informing us of your desire to be removed from our mailing lists.

Who has access to this information?
In order to better server your particular need, St. James Insurance Group, Inc., its employees, and certain
companies working on St. James Insurance Group, Inc. behalf have access to this information. This information
may also be disclosed to third parties without your consent if disclosure is necessary to comply with legal processes
or to protect the rights, property, or personal safety of St. James Insurance Group, Inc., its users or the public. We
may also provide limited information about you to third parties without your permission when necessary or
appropriate to service an insurance policy we have issued (e.g., inquiries from lien holders or additional insured
listed on the policy) or to address claims submitted under a policy we have issued.

In addition, we may, as permitted by law, provide information about you without your permission to certain
persons or organizations, such as: your agent or broker; insurance support organizations; other insurance
companies in order to perform their function in regard to an insurance transaction involving you (i.e. a claim);
independent claim adjusters; businesses that conduct actuarial or research studies; regulatory and law
enforcement authorities; or our affiliated companies, if any.

What are your options regarding collection, use, and distribution of your information?
Any information you submit to us via written applications, our Web site's on-line forms or e-mail is done so on a
voluntary basis. When you access our site in this manner, the collection, use, and distribution of your information
will be handled according to the terms and policies outlined in this Privacy Statement. If you object to the
collection, use, and distribution policies outlined in this Privacy Statement, we ask that you do not submit
information.

What are your options regarding correction or storage of your information?
You may either personally see, or obtain from us by mail, the information about you in your files. If you believe the
information we have about you in our records or files is incomplete or inaccurate, you may request via telephone or
a postal mail letter that we make any necessary additions or corrections or, to the extent that it is feasible, that we
delete this information from our files.

Links and Co-Branded Sites
This Web site contains links to other sites. St. James Insurance Group, Inc. provides links to other sites as a
convenience to persons who visit the St. James Insurance Group, Inc. web site. If you choose to use the services
provided by those sites, you may be asked by those sites to provide certain personally identifiable information
(some of which may, on an individual basis or aggregated basis, be share with St. James Insurance Group, Inc.).
Please be aware that St. James Insurance Group, Inc. is not responsible for the privacy practices of those sites,
even though St. James Insurance Group, Inc. name or logo may appear on those sites. We encourage you to be
aware when you leave our site and to read the Privacy Statements of each and every Web site that you visit, as the
privacy policy of those sites may differ from ours.

Web Site Disclaimer:
IMPORTANT NOTE: This Web site provides only a simplified description of coverages and is not a statement of
contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not
covered, be sure to read the policy, including all endorsements, or prospectus, if applicable. Coverage CANNOT be
bound, amended, or altered by leaving a message on, or relying upon, information in this Web site or through e-
mail.

Licensed in the following states: Florida, South Carolina, Delaware, Louisiana, New Jersey, Texas, Virginia.