Markel Corporation and its subsidiaries recognize the privacy concerns of our customers and potential customers who visit our various web sites including Horseinsurance.com. We want to inform you about the information we collect through our web sites and how such information is utilized. We intend to use information collected only in the normal course of our business and as permitted by law. No personal information is required to be collected when you visit our web sites, but we need to receive the requested information in order to provide the products or services described.

Like most standard web site servers we use log files. This includes IP addresses, browser type, ISP (internet service provider), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user’s movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally identifiable information.

Horseinsurance.com also uses session cookies - no persistent cookies are used. A cookie is a piece of data stored on the user's computer tied to information about the user. We use session cookies only - once users close the browser, the cookie simply terminates. The use of the session cookie enables Horseinsurance.com to track users while on our site for the session to enhance the speed and functionality of the session.

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms
• Information about your transactions with us, our affiliates or others, and
• Information we receive from a consumer reporting agency.

We may disclose nonpublic personal information about you to third party financial service providers, such as insurance agents and/or brokers. We restrict access to nonpublic personal information about you to those third party financial service providers who need to know that information to provide products or services to you. These third parties are not allowed to use personally identifiable information except for the purpose of providing these services.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with applicable standards to guard your nonpublic personal information.

If a user's personally identifiable information changes (such as name or postal address) or if a user would like to make a change to their policy, we provide a way to correct and update the users' personally identifiable information. This can usually be done by contacting us at the telephone number listed below.

Only users who request to receive information from Horseinsurance.com, by submitting an application or subscribing to "Tell me more" or "Alert me" will receive marketing communications. User's information will not be shared with any third party except as stated above. If a user no longer wishes to receive our communications they may opt-out of receiving these communications by emailing us at the address listed below.

If we are going to use your personally identifiable information, collected via our website, in a manner materially different from that stated within our Privacy Policy at the time of collection, we will notify you via posting a notice on our web site. You will have the choice to opt out, thereby causing your personal information not to be used in this new manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our web site notifying users of the change. In some cases where we post the notices we may also e-mail users, who have opted to receive communications from us, notifying them of the changes in our privacy practices.

This web site contains links to other sites. Please be aware that we here at www.horseinsurance.com are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

If you have questions or concerns regarding this statement, you should first contact Markel Insurance Company.

Phone: (800) 842-5017 (8:30 a.m. - 5:00 p.m. EST)
Fax: (804) 527-7999
E-mail: horseinsurance@markelcorp.com
Address: 4600 Cox Road, Glen Allen, Virginia 23060