This website is provided by ATS Underwriting, Inc. This Privacy Policy and our Terms & Conditions of Use describe the conditions under which you may access or use our website. If you choose to access our website, you are agreeing to be bound by our Privacy Policy and Terms & Conditions of Use then in effect and by all applicable law. If you do not agree with the terms of either document, you should not access or use our website. Please review our Privacy Policy each time you access this website to ensure you have read the latest version. This Privacy Policy was updated on the date indicated at the top of this policy.


ATS Underwriting is a underwriting management company focused exclusively on the US Medical Stop Loss Market with operations throughout North America. Through www.atsunderwriting.com you may link to other websites operated by Avoca Insurance Holdings Group companies. If an ATS Underwriting subsidiary or affiliate has its own specific Privacy Policy, the provisions of that Privacy Policy will apply to your use of their website.


Our website generally collects your personally identifiable information when you choose to provide it to us, for instance, when you voluntarily submit it through the website. Examples of some of the ways you may provide information are when you contact us (by email, website form or otherwise). You may provide us with your name, email address, home or work address or telephone number. You may also provide us with your information if you apply for a position with one of our companies. As a result, we may receive information such as your postal address, age, gender, current position, preferences and interests. WE MAY ALSO COLLECT NON-PERSONALLY IDENTIFIABLE INFORMATION WHEN YOU ACCESS OR USE OUR WEBSITE.


Our website may use cookies for various reasons. A cookie is a small data file that is placed on your hard disk by a web server. Cookies contain information that can later be read by a web server in the domain that issued the cookie to you. A cookie sent to your browser from our website can be used by our website to recognize your computer whenever you use our website. We may use cookies to tell us whether you have ever visited our website before or if you are a new visitor, and to help us understand which portions of our website you find most interesting. Cookies may enhance your website experience by saving your preferences, email address and/or password so you do not have to re-enter this information each time you visit the website. You may accept or decline cookies. While most web browsers automatically accept cookies, you can modify your browser settings to decline cookies. For example, in Internet Explorer you can delete cookies by selecting "Tools", and then "Delete browsing history". Then select the control box "Cookies" and click the "Delete" button. However, if you disable cookies, you may not be able to take advantage of all of our website features.


We may use electronic images known as web beacons or single-pixel GIFs to assist us in delivering cookies on our sites or collecting information about website usage, email response and tracking. Like cookies, these small files do not store, record or share any information about you. We may use third party vendors to collect site traffic data through the use of these web beacons and GIFs or traffic pixels that can be embedded on our website. These vendors can provide us with anonymous usage data to allow us to improve our website.


Certain information is also gathered automatically and stored in web server logs for various reasons including administering the site, analyzing trends and tracking usage. This information does not identify individual users. This information may include the following: Internet Protocol (IP) address; type of browser, computer and operating system, browser plug-ins, height and width, Internet Service Provider (ISP), search engines, and keywords used to find our site; pages viewed within our site; city, state or country from which our site was accessed, web pages linked to our site from, date and time of visit, pages viewed on our site and other clickstream data. This site uses Google analytics, a website analytics service provided by Google, Inc. Google Analytics uses cookies to help website owners understand how visitors interact with the website. Google uses this information to evaluate your use of the website, compile reports for website operators and provide other services related to website activity and internet usage. You may view the Google Privacy Policy at: Google


You may have reached our website from a link on another website. Alternatively, our website may have links to other sites. It is important to realize that we are not responsible for the data collection, privacy policies or practices of any other website, including sites that link to ours, or sites that we link to. We suggest that you read the Privacy Policy and Terms & Conditions of Use for every website you visit.


By submitting information, including personally identifiable information to our website you agree that we may use and disclose the information in any manner permitted by law and that you have no expectation of privacy, confidentiality or privilege with regard to the information submitted. For example, you agree that any information you submit to us through the website may be collected, used, shared or disclosed for the following reasons: (1) to monitor, analyze and improve our website, (2) to protect our rights, or those of our clients, insureds, reinsureds, business partners, users or third parties or as otherwise permitted by law, (3) to incorporate into our database for mailings or other purposes, (4) to contact you regarding programs, products or services and to respond to your inquiries, or (5) may otherwise be provided to our affiliates, business partners, regulators or others who work for us such as providers, vendors, or to unaffiliated persons, or (6) relating to performance of the insurance, reinsurance or related administrative function, or other business purposes. Also, if you apply for a position with one of our companies, we will use your curriculum vitae and other information you provide for considering your application for employment. We may also disclose your personally identifiable information (1) when we are required to do so by law or in compliance with legal process (such as, for example, to comply with laws or regulations or to respond to inquiries by governmental authorities), (2) to protect our rights or our business reputation or (3) to act in an emergency situation to protect personal safety or property or to prevent harm to persons or property.


We make reasonable efforts to protect personally identifiable information that you submit over the website. However, we do not warrant or represent that the level of security meets or exceeds any particular standard and no server or internet transmission is ever 100% secure or error free. Please take this into account when submitting personal information or confidential information on any website, including ours. Similarly, any information you send us in an email message is not confidential, secure or privileged. Email messages may be viewed by third parties, lost, intercepted or altered. Email messages may be sent across national borders even when the sender and recipient are located in the same country. We will not be liable for any damages suffered in connection with the use of emails or any other electronic system used to communicate with us.


All incoming and outgoing email messages are automatically stored in our Electronic Message Repository for evidentiary purposes. The emails are protected by legal, technical and organizational measures. They may only be accessed in accordance with applicable laws and regulations (see HOW WE MAY USE OR SHARE YOUR INFORMATION above). If you do not approve of the retention of private email messages by us, we strongly advise you not to send private, non-business related emails to our employees.


We retain the personal information collected on our website for as long as required or permitted by law.


ATS Underwriting makes no warranties or representations as to the accuracy of this website. Certain areas of this website may be accessible only through the use of user identification and passwords. If you have been assigned or selected user identification and passwords for access to these restricted areas, you are responsible for maintaining the security and confidentiality of that information and all information obtained through access to these restricted areas. You are responsible for all activities undertaken under your identification and password. You may not allow any other person to use your identification or passwords. ATS Underwriting reserves the right to withdraw your user-name and password for any reason and without notice.


ATS Underwriting does not guarantee or warrant that files available for downloading from this site are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. ATS Underwriting does not make any express or implied warranties, representations or endorsements whatsoever (including, but not limited to, warranties of title, non-infringement or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will ATS Underwriting be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this site. These files may be downloaded and/or reprinted for personal use only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any reason except for personal use is expressly prohibited, unless prior written consent is obtained from the appropriate ATS Underwriting copyright holder.


You are entitled to ask for a copy of your personal data which has been collected online and stored on our website. You may also ask to have your data rectified or deleted as required by applicable data protection law. For more information, please email us at info@atsunderwriting.com


We reserve the right to change or update this Privacy Policy at any time and we will notify users of our website by posting such updated Privacy Policy on this page with a new effective date. Any changes will be effective immediately upon posting.


If you have any questions or concerns about our Privacy Policy, please email us at info@atsunderwriting.com.

Copyright © 2023 ATS Underwriting. All rights reserved.