Golden Bear Insuance Company



Golden Bear Insurance Company (Golden Bear) values the users of this Website and the Producer Portal. We understand that you are concerned about privacy. We are committed to treating your information responsibly. Golden Bear has established the following policies to assure you that we are committed to protecting your privacy.

Through this Website and the Producer Portal, we may collect two types of information: "personal information" and "non-personal information." We define "personal information" as your name, age, telephone number, email address, personal address, health information, financial information, Social Security numbers, or credit card number. We do not collect personal information about you unless you choose to provide it to us voluntarily. If you encounter a screen or page that requests information you do not want to share with us, do not enter the information and do not proceed with that screen or page.

"Personal information" may be required for the use of certain services or to process certain transactions on this Website and the Producer Portal.  Users who do not wish to provide the required information are free to decline to provide such information, but may not be able to take advantage of the specific service or engage in that sort of transaction online as a result.

How do we protect the confidentiality and security of our policyholders? 

We maintain physical, electronic and procedural safeguards to ensure that personal information is treated responsibly and in accordance with our privacy policy. We restrict access to personal information within our organization to those employees who need to know that information to provide products or services to agents, brokers, and/or insureds. Employees who have access to customer information may use it only for legitimate business purposes. Additionally, we safeguard customer information in accordance with applicable data security regulations. However, no transmission of information over the Internet can be guaranteed to be totally secure, and we cannot ensure or warrant the security of any such transmission to the Website or through the Producer Portal.  When you disclose information to us through this Website and Producer Portal, you do so at your own risk.   If you have any reason to believe that your interaction with us is no longer secure, contact us immediately at

What personal information do we collect about you? 

We collect personal information about insureds from the following sources: 

  • Applications and other forms submitted by producers. These documents may include an insured's name, address, age, phone number, Social Security number, assets, income, or beneficiaries;
  • Transactions, such as electronic and hardcopy payment submissions, payment histories, premium amounts, policy coverages, motor vehicle records, underwriting and claim documents, or loss runs;
  • Consumer reporting agencies, such as those which produce claim and/or credit histories.

Is any information collected to set up my Portal User Account?

Golden Bear may collect information, including your name, address, phone number, and e-mail address, which may personally identify you in connection with establishing and maintaining your user account.  When you access the Producer Portal using a user identification and password, we may use the personal information associated with your user identification and password to identify you as a user and track your activities and production on this website. 

How do we use the information about you? 

We use the information you provide to us voluntarily to evaluate your submission details, to respond to you and any related agents and brokers, to underwrite insurance policies, process claims, and to bill and service your accounts. We may also use this information to provide you with other information, opportunities, or services that may be of interest to you.  We may also use the information we collect to respond to e-mails, provide customer support, and other similar business purposes. Your information will be used to enable Golden Bear to better understand and serve your insurance needs.

We do not disclose any personal information to anyone except as is necessary to provide our products or services to a person or entity, or otherwise as we are required or permitted by law.  In certain instances, we may release information collected through this website in order to comply with requests from law enforcement or government agencies, including the Department of Insurance, including their fraud enforcement division, to protect insurance consumers, and otherwise to enforce the Terms of Use or other agreements herein. We may disclose this information when we believe in good faith that disclosure is necessary or advisable, including, for instance, to identify, contact, investigate or bring legal action against someone who may be causing injury to or interfering with the rights or property of Golden Bear, an insured, another user, or the general public.

Do we collect and use "non-personal information"?

"Non-personal information" is information that does not identify an individual and cannot be readily associated with a particular individual.  Certain information is automatically collected when you visit our website.  For example, we may collect information to track the number of visitors we receive and the way that visitors navigate the Website. Information collected may include the date and time you accessed the Website or Producer Portal, the page or pages you visited and images you accessed, the name of any other website that referred you to the Golden Bear Website or the Producer Portal, as well as your IP address, operating system, browser type, and type of computer.  We may share this aggregated information with our affiliates and/or third parties. We reserve the right to use "non¬personal information" in order to investigate unlawful conduct and/or breaches of this Privacy Policy and this Website's Terms of Use.Data may be gathered using cookies and other similar technologies. A "cookie" is a piece of data that a web server may place on your computer when you visit a website. Cookies are commonly used by websites to improve the user experience. Many cookies last only through a single website session, or visit. Others may have an expiration date, or may remain on your computer until you delete them.   Our cookies will track only your activity relating to your online activity on this Website. Our cookies do not gather personal information.

We may use cookies on this Website for a number of purposes; for example, to maintain continuity during a user session, to gather data about the usage of our website for research and other purposes, to store your preferences for certain kinds of information and marketing offers, or to store a user name or encrypted identification number so that you do not have to provide this information every time you return to our website.   We may also use other companies to set cookies on this website in order to gather cookie information for us, and we use such cookie information in the same manner as stated above.

You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser.  You may change your browser settings to either reject cookies or notify you when a cookie is about to be placed on your computer.  However, if you choose to reject cookies, you may not be able to use certain of our Website's features.

Golden Bear also collects IP addresses as part of our efforts to maintain and improve the Website.  IP addresses are usually identified and logged automatically whenever a visitor accesses the website.  The time of the visit and the page(s) visited may also be logged.In addition to the information we collect automatically, we also obtain "non-personal information" that you provide to us online; for example, when you use our tools and calculators or communicate with us through the Website.

In  some  cases,   we  automatically  retain  the  cookie  information  and/or  the information you provide to us online- for example, to complete a transaction you requested or to keep historical records  of your past transactions. In other cases, for example, when you use our tools and calculators, we only retain the cookie information and/or information you provide if you request that we do so for your use in subsequent sessions.

What categories of information do we disclose and to whom? 

We may disclose the following information to entities that perform marketing and administrative services on our behalf or to others, including governmental entities as required or permitted by law for legal or regulatory purposes, or if compelled by subpoena or court order: 

  • Information we receive from insureds or their representatives, such as the names of insureds, address, beneficiary, social security number, property locations and values.
  • Information about your transactions with us or others such as your account balance, policy coverage, payment history, the premium you pay preferences, claims information, and the method of your purchase.
  • If required for the products you select, information we receive from consumer reporting agencies and other sources, such as credit worthiness, motor vehicle and driver data, medical and employment information, loss history reports, and additional driver data.

How do we use this website? 

This Website and Producer Portal were created to inform you of our products and services. We monitor the activity on this Website and the Producer Portal to understand the use of our products and the effectiveness of this medium of communication.

Some producers may decide to allow us and/or certain of our strategic business partners to contact them by e-mail or telephone to keep them updated on our business.  If you give us permission to share your e-mail address or other information with our business partners, they may also contact you with a variety of offers that may be of interest to you.

We may gather information about your transactions with us and our affiliates and, as permitted by applicable law, may receive information from credit reporting bureaus and other third parties relating to your finances, such as your credit history.

This Privacy Policy applies only to information collected through this Website and the Producer Portal.  It does not apply to any information on websites through which Golden Bear advertises nor does it apply to information we collect through other communications with you, including e-mail communications, phone calls, or non-electronic written communications.

Important notices regarding this Privacy Policy: 

Golden Bear reserves the right to change this Privacy Policy at any time without notice. Depending on the nature of the change, we may or may not announce the change on the home page of Golden Bear's Website,, or the Producer Portal.  You can determine when this Privacy Policy was last revised by referring to the "Last Updated Date" below.  It is your responsibility to click on the Privacy Policy tab on the Website and/or Producer Portal to periodically review the most current version of this Privacy Policy.

If you have any questions or comments about this Privacy Policy, or would like to learn more about how we protect privacy, please contact us at

Last Updated Date: August 5, 2015