About Us
Sunflower Insurance Group (SIG) is comprised of two regional independent insurance agencies, Sunflower Insurance Group, Inc. and Sunflower Insurance Group of Colorado, Inc, which offer a full range of insurance products to commercial businesses and individuals.  Great customer service is the cornerstone of our business.  We take special care in identifying the individual needs of our customers and assisting them in managing their total cost of risk through a variety of insurance products and the utilization of loss control means.  Our Products and Services page will provide more information about the specific products we have available.  

Sunflower Insurance Group has contracts with most of the major insurance carriers in the nation. The carriers we present to our customers are some of the most financially secure carriers in the industry.  See our Links page to visit most of our carriers websites.  

In 1999, after nearly 30 years of independent operation as Insurors & Investors, Inc. we joined forces with Sunflower Bank, a national bank with assets nearing $1 billion.  In 2002, we acquired Fredrickson-Brown Insurance Service, Inc. in Colorado.  This bank affiliation, along with a series of insurance agency acquisitions and the opening of offices in major metropolitan cities, allows SIG the ability to serve customers in a large geographic area.  SIG’s home office remains in Salina, Kansas.  Sunflower Insurance Group of Colorado, Inc.'s home office remains in Canon City, Colorado.  Together, SIG has branch offices in Great Bend, Hays, Hutchinson, Mission, and Wichita, KS, and in Buena Vista and Salida, CO.  We have licensed agents in each Sunflower Bank facility throughout Kansas and Colorado and hold licenses in more than 30 states.  

There are over 100 employees ready to serve the insurance needs of our customers throughout all of our locations and affiliations.  We employ individuals who are dedicated to meeting the needs of our customers.   If you are interested in employment opportunities within Sunflower Insurance Group, Inc., please email us at EMPLOYMENT OPPORTUNITIES.

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Terms of Service

I understand that any insurance terms and definitions are meant for general informational purposes and not meant as specific advice or recommendations. For detailed information, it is my responsibility to contact “Sunflower Insurance Group, Inc.”.

I understand that no coverage quoted or change requested will be assumed bound or covered until I have received written or verbal confirmation from “Sunflower Insurance Group, Inc.”.

I understand that “Sunflower Insurance Group, Inc.” will receive documentation of all service requests, requests for information, or declination for additional information which may become part of my customer file.

I understand that “Sunflower Insurance Group, Inc.” will process service requests based on information provided through this site, and that I will receive confirmation of all changes to my coverage. I authorize all such changes, and assume the responsibility of notifying “Sunflower Insurance Group, Inc.” in the event of errors or misunderstandings.

I understand that “Sunflower Insurance Group, Inc.” will handle service requests in good faith based on registration information. All service requests will be confirmed to the client and they must contact “Sunflower Insurance Group, Inc.” in the event of an error.

I understand that I am responsible for updating my email address and other information in the event of change.

I understand that insurance terms, descriptions of coverage, and other insurance information is not meant to be complete, and I should either contact “Sunflower Insurance Group, Inc.” or read their policy for complete information.

I understand that all insurance and non-insurance information is for general purposes and may not be up-to-date or complete. “Sunflower Insurance Group, Inc.” is not responsible for information in sites linked.

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Privacy Policy

POLICY STATEMENT
Sunflower Insurance Group (SIG) takes great care to protect the confidential nature of current and former customer records.  We believe that customer privacy should not be compromised.  Since your privacy is a priority to us, SIG will not share nonpublic information about you with third parties outside of the SIG corporate family without your consent, except as explained in our privacy policy.  At the same time, we want to offer the wide array of insurance and financial products or services customers need to accomplish their financial goals.  We strive to accomplish both by following the privacy policy outlined below.

SIG follows policies designed to ensure that the Agency:

To safeguard customer information, SIG will maintain written agreements with companies hired to provide operational support or to promote products or services on behalf of the agency.  

COLLECTION OF INFORMATION
We collect non-public personal information about you from the following sources:

Examples of such information may include your name, address, social security number, policy coverages and limits, premiums, income, claims and beneficiaries.  

As independent agents, we disclose the information described above on your behalf to insurance companies and other non-affiliated third parties, including those with whom we have joint marketing agreements.  This is necessary if we are to provide the competitive coverage and cost you expect from us.  

USE OF INFORMATION
We disclose all of the information that we collect only as appropriate to provide you quality service and total security in the manner described in this policy.  

DISCLOSURE OF INFORMATION
We do not disclose your nonpublic personal information to any third party for any reason, except as described below to:

“Nonpublic personal information” is nonpublic information about you that is personally identifiable and that we obtain in connection with providing a financial product or service to you.  For example, nonpublic information includes information regarding our account balance, payment history, and purchase activity.  

We may also disclose all of the information we collect as described above to companies that perform marketing services on our behalf.  

INFORMATION SHARING WITH AFFILIATES
SIG and its affiliates are permitted by law to share certain types of information with each other, including customer identification information, customer transaction information with SIG and its affiliates; and customer experience information with SIG and its affiliates.  

FAIR CREDIT REPORTING ACT
Under the Fair Credit Reporting Act and other applicable law, customers have the right to prevent the sharing of certain other information that bears on their credit worthiness, personal characteristics, mode of living or the like (other than identification, transactional, and experiential information).  SIG does not currently share that certain other information with anyone.  If SIG chooses to disclose such information in the future, customers will be contacted and have a right to opt out of having that information disclosed by following the opt out procedure set forth in this notice.  

RIGHT TO OPT OUT FROM INFORMATION SHARING WITH NONAFFILIATES
SIG reserves the right to disclose nonpublic personal information to nonaffiliated third parties.  Customers have a right to opt out of that disclosure to nonaffiliated third parties, except as permitted by law, by following the opt out procedure set forth in this notice.  

If two or more consumers jointly obtain insurance products or services from SIG, any of the joint consumers may exercise the right to opt out.  If a joint consumer elects to opt out of disclosure of his/her information, that decision to opt out will also apply to all of the consumer’s associated joint account relationships.  

OPT OUT PROCEDURE
You may opt out of those disclosure(s) by:
a)  marking the appropriate check-off box located on the tear off sheet attached to the Privacy Notice brochure, available upon request from SIG, and returning it to SIG; or
b)  printing the opt out form from the SIG internet site found here, marking the appropriate check-off box located on that form and returning it to SIG; or
e)  filling out the online opt out form here; or
d)  calling SIG at (785) 825-0286 during business hours from the Salina area or 1-800-563-1871 from anywhere in the United States , Monday-Friday 8 AM – 5 PM ; central standard time, excluding holidays.  

ACCESS TO INFORMATION
We restrict access to non-public 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 federal regulations to guard your non-public personal information.  

COMMITMENT TO PRIVACY
You can count on SIG to keep you informed about how we protect your privacy and limit the sharing of information you provide to us – whether it is at one of our offices, over the telephone or through the internet.  If you have any questions about how SIG protects your confidential information, please call SIG at (785) 825-0286 from the Salina area or 1-800-563-1871 from anywhere in the United States , Monday-Friday 8 AM – 5 PM .  You may also access our website at www.sunflowerinsurance.com, or email us at sig@sunflowerinsurance.com.  Our business days are Monday through Friday, excluding holidays.  

This privacy policy applies to individuals and we reserve the right to change it, along with related provisions at any time.  

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Privacy Policy for Personal Health Information

NOTICE OF HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 (HIPAA) PRIVACY PRACTICES for Sunflower Insurance Group, Inc.

THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

Our Duties
We are required by law to maintain the privacy of personal health information and to provide you with notice of our legal duties and privacy practices with respect to personal health information. We are required to abide by the terms of this Notice so long as it remains in effect. We reserve the right to change our Privacy practices, procedures, and terms of this HIPAA Notice of Privacy Practices as necessary, and to make the new Notice effective for all personal health information maintained by us. If a material change is made to the terms of this Notice, a revised notice will be provided to all primary insureds. You may obtain a copy of the HIPAA Privacy Notice by accessing our website at www.sunflowerinsurance.com or by mailing a request to the address below.

Uses and Disclosures of Your Personal Health Information

Your Authorization
Except as outlined below, we will not use or disclose your personal health information for any purpose unless you have signed a form authorizing the use or disclosure. You have the right to revoke that authorization in writing unless we have taken any action in reliance on the authorization.

Uses and Disclosures for Payment
We may use and disclose your personal health information as necessary for payment purposes. For instance, we may use and disclose information regarding your medical care to process and pay claims.

Uses and Disclosures for Health Care Operations
We may use and disclose your personal health information as necessary, and as permitted by law, for our health care operations such as customer service, premium rating, fraud and abuse prevention and detection, and other functions related to your health policy. We may use and disclose your personal health information to provide you with information about treatment alternatives or other benefits and services that may be of interest to you.

Family, Friends, and Others Involved In Your Care
With your approval, we may disclose your personal health information to designated family, friends, and others, to assist that person in caring for you or in paying for your care. If you are unavailable, incapacitated, or facing an emergency medical situation, and we determine that a limited disclosure may be in your best interest, we may share limited personal health information with such individuals without your approval. If you have designated a person to receive information regarding payment of the premium on your Health Insurance or Long-Term Care policy, we will inform that person when your premium has not been paid.

Business Associates
At times it may be necessary for us to provide some personal health information to one or more outside persons or organizations who assist us with our business activities. We require these business associates to appropriately safeguard the privacy of your information.

Additional Uses and Disclosures Without Your Authorization
We are permitted or required by law to make certain other uses and disclosures of your personal health information without your authorization, including under the following conditions:

Your HIPAA Privacy Rights

Access to Your Personal Health Information
You have the right to obtain a copy and inspect specific items of your personal health information, such as your policy or claim information, for as long as we maintain it. We may deny your request to access certain personal health information, as permitted or required by law. We may require your request for access in writing. Your request for access should contain as much detail as possible regarding the personal health information you wish to review. We may charge a reasonable fee for access to your personal health information.

Amendments to Your Personal Health Information
You have the right to request an amendment of the personal health information we maintain about you if you believe it is incorrect. We are not legally obligated to make all requested amendments but will give each request appropriate consideration. Requests for amendment must be in writing and must state the reasons for the amendment request.

Accounting for Disclosures of Your Personal Health Information
You have the right to request a list or accounting of certain disclosures of your personal health information. We are not legally obligated to provide an accounting of every disclosure but will give each request appropriate consideration. Requests must be made in writing. The accounting will not include disclosures made prior to April 14, 2003 .

Restrictions on Uses and Disclosures of Your Personal Health Information  
You have the right to request restrictions on certain uses and disclosures of your personal health information for treatment, payment, or health care operations by notifying us of your request for a restriction in writing. We are not legally required to agree to your restriction request.

Confidential Communication of Personal Health Information
You have the right to request to receive communications from us regarding your personal health information by another method of contact or at an alternative address. We will accommodate reasonable requests, which must clearly state that disclosure of all or part of the information could endanger your health or safety.

Complaints
If you believe your privacy rights have been violated, you can file a complaint with us or with the Secretary of the U.S. Department of Health and Human Services in Washington D.C. There will be no retaliation for filing a complaint.

How to Contact Us
If you have questions or need further assistance regarding this Notice, or wish to exercise any of the above-mentioned rights, you may contact the HIPAA/Privacy Administrator at the address closest to you:

Sunflower Insurance Group, Inc.
Sunflower Insurance Group of Colorado, Inc.
217 South Santa Fe Avenue
Salina, Kansas 67402-1213
785-825-0286
 
Your State Privacy Rights
Your state law may provide greater or different privacy rights.

Effective Date
This Notice of Privacy Practices is effective April 14, 2003. 

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