Privacy Policy

Last Updated: June 22, 2026

1. Introduction

BearStar Insurance respects your privacy and is committed to protecting the personal information we collect, use, disclose, and maintain in connection with our insurance services and website.

This Privacy Policy and California Privacy Notice explains how BearStar Insurance collects, uses, shares, retains, and protects personal information when you visit our website, request a quote, apply for insurance, purchase or renew coverage, submit policy information, communicate with us, use our client portal or online forms, or otherwise interact with BearStar Insurance.

For purposes of this Privacy Policy, “BearStar,” “we,” “us,” and “our” refer to BearStar Insurance. “Services” means our insurance brokerage and related services, including commercial insurance, personal insurance, workers’ compensation, business owner policies, professional liability, cyber liability, commercial auto, employee benefits, bonds, personal lines, claims assistance, policy servicing, risk management, quote submissions, renewals, billing support, client support, and related website services.

This Privacy Policy applies to www.bearstarins.com and other online pages or services where this Privacy Policy is posted or linked.

This Privacy Policy is intended to serve as a website privacy policy and a California privacy notice. It may also describe privacy practices related to insurance transactions and nonpublic personal information where applicable.

2. Information We Collect

We may collect personal information directly from you, from your business or employer, from insurance carriers, wholesalers, managing general agents, premium finance companies, claims administrators, payroll providers, third-party vendors, public sources, consumer reporting agencies, government databases, and other sources involved in insurance transactions.

The types of information we collect depend on your relationship with us and the products or services requested.

A. Information You Provide to Us

We may collect the following information when you request a quote, submit an application, complete a form, contact us, service a policy, submit renewal information, or otherwise communicate with us:

Name
Business name
Job title or role
Mailing address
Email address
Phone number
Fax number
Signature
Insurance application information
Policy information
Prior insurance history
Claims history
Loss run information
Payroll information
Employee count
Revenue information
Business operations and classification information
Property information
Vehicle information
Driver information
Ownership information
Contractor, subcontractor, or vendor information
License information
Financial information used for insurance placement, underwriting, premium finance, billing, audits, or policy servicing
Payment and billing information
Communications, emails, notes, attachments, forms, and documents you send us
Any other information you choose to provide to us

B. Information Related to Insurance Transactions

In connection with insurance quotes, applications, policies, renewals, audits, endorsements, claims, and related insurance transactions, we may collect:

Insurance applications and supplemental applications
Policy declarations and coverage information
Underwriting information
Risk management information
Inspection reports
Loss runs and claims information
Prior carrier information
Motor vehicle reports where applicable
Driver license information where applicable
Business license or professional license information
Payroll and class code information
Premium audit information
Property, location, and occupancy information
Vehicle schedules
Equipment schedules
Certificates of insurance
Additional insured information
Contractual insurance requirements
Claims documents and communications
Information from insurers, wholesalers, managing general agents, auditors, adjusters, inspectors, loss control vendors, and insurance support organizations

C. Sensitive Personal Information

Depending on the insurance product or transaction, we may collect sensitive personal information, including:

Social Security number or tax identification number
Driver’s license number
Financial account or payment information
Health, medical, disability, or injury-related information where relevant to workers’ compensation, benefits, life, health, claims, or underwriting
Precise geolocation if collected through a vendor or device-enabled service
Account login credentials for client portal access, if applicable
Contents of communications you send directly to us
Information about employees, drivers, officers, owners, members, or other individuals connected to an insurance transaction

We collect and use sensitive personal information only as reasonably necessary to provide insurance services, process transactions, support underwriting, service policies, administer claims, comply with legal obligations, protect against fraud, maintain security, or as otherwise permitted by law.

We do not use sensitive personal information to infer characteristics about you except as necessary for insurance, claims, compliance, fraud prevention, or other permitted business purposes.

D. Information Collected Automatically

When you visit our website, we and our service providers may automatically collect information such as:

IP address
Browser type
Device type
Operating system
Referring and exit pages
Pages visited
Date and time of visit
Approximate location based on IP address
Cookie identifiers
Advertising identifiers
Website usage data
Interactions with forms, links, buttons, embedded content, or pages

E. Information from Third Parties

We may receive information from third parties, including:

Insurance carriers
Wholesalers and managing general agents
Premium finance companies
Claims administrators and adjusters
Insurance support organizations
Payroll providers
Auditors and inspectors
Loss control vendors
Consumer reporting agencies, where permitted
Motor vehicle record providers, where permitted
Public records and government databases
Agency management systems and client portal providers
Website analytics providers
Advertising and marketing platforms
Referral partners
Business partners
Employers, policyholders, applicants, certificate holders, additional insureds, claimants, or other parties involved in an insurance transaction

3. How We Use Personal Information

We may use personal information for the following purposes:

To provide insurance brokerage services
To evaluate, quote, place, bind, renew, endorse, or service insurance policies
To submit information to insurance carriers, wholesalers, managing general agents, premium finance companies, or other insurance markets
To assist with claims reporting, claims communications, and claims support
To issue or manage certificates of insurance
To conduct policy reviews, renewal reviews, and coverage analysis
To process billing, payments, audits, premium financing, and accounting
To communicate with clients, applicants, carriers, vendors, and business contacts
To respond to inquiries, requests, complaints, or customer service needs
To manage client relationships and provide service updates
To send administrative messages, policy notices, renewal reminders, billing notices, and other transactional communications
To send marketing communications, newsletters, alerts, or educational materials where permitted by law
To improve our website, services, operations, marketing, and client experience
To maintain records and documentation
To prevent fraud, unauthorized activity, security incidents, or misuse of our systems
To comply with insurance laws, producer licensing requirements, legal obligations, subpoenas, court orders, regulatory inquiries, and carrier requirements
To enforce our agreements, terms, policies, and legal rights
To evaluate employment, producer, contractor, or vendor relationships
To complete a merger, sale, acquisition, financing, restructuring, or transfer of all or part of our business if applicable

4. How We Disclose Personal Information

We may disclose personal information to the following categories of recipients when reasonably necessary for the purposes described in this Privacy Policy.

A. Insurance Markets and Insurance Support Organizations

We may disclose information to:

Insurance carriers
Wholesalers
Managing general agents
Program administrators
Premium finance companies
Claims administrators
Adjusters
Loss control vendors
Inspection companies
Auditors
Insurance support organizations
Reinsurers
Other parties involved in quoting, underwriting, placing, binding, renewing, servicing, auditing, financing, or administering insurance coverage

B. Service Providers and Vendors

We may disclose information to service providers that assist with:

Website hosting
Client portals
Agency management systems
Email and communication tools
IT support
Cybersecurity
Payment processing
Document management
E-signature tools
Customer relationship management
Analytics
Marketing
Accounting
Compliance
Printing and mailing
Data storage
Professional services

C. Business Clients, Employers, and Authorized Representatives

When insurance is requested or maintained by a business, employer, association, or other organization, we may disclose relevant information to authorized representatives of that organization, including owners, officers, managers, human resources personnel, risk managers, accounting personnel, and other authorized contacts.

D. Legal, Regulatory, Safety, and Compliance Disclosures

We may disclose information when we believe disclosure is necessary or appropriate to:

Comply with law
Respond to subpoenas, court orders, regulatory requests, or legal process
Cooperate with insurance regulators, law enforcement, or government authorities
Detect, investigate, or prevent fraud
Protect our rights, clients, employees, systems, or property
Enforce our agreements, terms, policies, or legal rights
Support audits, regulatory reviews, licensing obligations, or legal claims
Protect the safety of individuals or the public

E. Business Transactions

If BearStar Insurance is involved in a merger, acquisition, sale, financing, restructuring, transfer of assets, or similar transaction, personal information may be disclosed or transferred as part of that transaction.

F. With Your Consent or Direction

We may disclose personal information when you authorize us to do so or when you direct us to provide information to a specific person or organization.

5. Insurance Privacy and Nonpublic Personal Information

Because BearStar Insurance provides insurance services, some information we collect may be considered nonpublic personal information under federal or state insurance and financial privacy laws.

We may collect nonpublic personal information from:

Applications and forms you submit
Transactions with us, insurance carriers, or other insurance parties
Claims, billing, servicing, renewal, or audit activity
Consumer reports, motor vehicle reports, public records, or other third-party sources where permitted by law
Insurance carriers, wholesalers, claims administrators, auditors, inspectors, and other insurance support organizations

We may disclose nonpublic personal information as permitted by law to provide insurance services, process transactions, service policies, administer claims, prevent fraud, comply with legal obligations, or as otherwise authorized by you.

If we disclose personal financial information to nonaffiliated third parties in a manner that requires an opt-out right under applicable insurance or financial privacy laws, we will provide a clear opt-out notice and a reasonable, cost-free method to exercise that right.

We do not disclose nonpublic personal medical record information without authorization except where permitted or required by law.

6. Cookies, Pixels, Analytics, and Advertising

Our website may use cookies, pixels, tags, scripts, analytics tools, advertising tools, embedded content, and similar technologies. These tools may help us:

Operate the website
Understand website traffic
Improve page performance
Remember preferences
Measure advertising effectiveness
Analyze marketing campaigns
Protect against fraud or misuse
Improve user experience
Deliver or measure advertising where permitted

These technologies may collect IP address, device identifiers, browser information, pages visited, links clicked, form interactions, approximate location, and other website activity information.

Some third-party analytics or advertising tools may collect information about your activity across different websites or services. Depending on the technology used and applicable law, this may be considered “sharing” of personal information for cross-context behavioral advertising.

You can usually adjust browser settings to block or delete cookies. Some website features may not work properly if cookies are disabled.

If our use of cookies, pixels, analytics, or advertising tools is considered a sale or sharing of personal information under California law, eligible California residents may opt out by using the “Your California Privacy Choices” link or by contacting us.

7. Sale or Sharing of Personal Information

We do not sell personal information for money.

However, some website analytics, advertising, or social media tools may involve disclosures of identifiers or internet activity information that could be considered a “sale” or “sharing” under California law if the information is used for cross-context behavioral advertising.

If our practices are considered selling or sharing under California law, California residents may opt out by using our “Your California Privacy Choices” link, using a supported opt-out preference signal where required, or contacting us using the information below.

We do not knowingly sell or share personal information of consumers under 16 years of age.

8. Email, Phone, Text, and Marketing Communications

If you provide your email address or phone number, we may use it to send:

Quote communications
Policy communications
Renewal reminders
Billing reminders
Claims communications
Service updates
Administrative notices
Educational materials
Marketing communications where permitted by law

You may opt out of marketing emails by using the unsubscribe link in the email or by contacting us. You may opt out of marketing text messages by replying STOP where applicable.

Even if you opt out of marketing communications, we may still send transactional or service-related communications, including messages about quotes, applications, policies, billing, claims, renewals, audits, compliance, or legal notices.

9. Data Retention

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, including to provide insurance services, maintain client and policy records, comply with legal and regulatory obligations, support audits, resolve disputes, prevent fraud, enforce agreements, and protect our business.

Retention periods may vary depending on the type of information and the purpose for which it was collected. For example:

Quote, application, policy, claims, audit, and renewal records may be retained for legal, regulatory, insurance, and business recordkeeping purposes
Billing and payment records may be retained for accounting and tax purposes
Marketing contact information may be retained until you opt out or request deletion, subject to legal exceptions
Website analytics data may be retained according to our analytics provider settings
Records related to disputes, claims, litigation, or regulatory matters may be retained as long as necessary to protect legal rights and comply with law

10. Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, misuse, loss, alteration, or destruction.

These safeguards may include access controls, vendor oversight, cybersecurity measures, internal policies, employee training, and secure systems appropriate to the nature of the information.

No website, email system, or electronic transmission is completely secure. We cannot guarantee absolute security of information transmitted to or from us.

11. Third-Party Websites and Services

Our website may contain links to third-party websites, client portals, carrier websites, payment processors, insurance portals, social media platforms, or other external services.

This Privacy Policy does not apply to third-party websites or services that we do not control. We encourage you to review the privacy policies of any third-party websites or services you use.

12. Children’s Privacy

Our website and insurance services are intended for adults and businesses. We do not knowingly collect personal information directly from children under 16 through our website.

If we learn that we have collected personal information directly from a child under 16 without appropriate authorization, we will take reasonable steps to delete the information.

In limited circumstances, we may receive information about minors from parents, guardians, employers, policyholders, carriers, or other authorized parties in connection with insurance transactions, claims, benefits, or legally permitted business purposes.

13. California Online Privacy Notice

California law requires certain website operators to disclose how they respond to browser “Do Not Track” signals. At this time, our website does not respond to Do Not Track signals.

Third parties may collect information about your online activities over time and across different websites when you use our website, including through cookies, pixels, embedded content, analytics tools, advertising technologies, or social media tools.

We may recognize legally required opt-out preference signals, such as Global Privacy Control, if and to the extent required by applicable law and supported by our website technology.

14. California Privacy Rights

This section applies to California residents if and to the extent BearStar Insurance is subject to the California Consumer Privacy Act, as amended by the California Privacy Rights Act.

Some personal information collected, processed, disclosed, or retained in connection with insurance transactions, nonpublic personal information, consumer reports, medical information, or other regulated activities may be exempt from certain California Consumer Privacy Act requirements. Even where an exemption applies, we continue to protect personal information as required by applicable insurance, financial privacy, security, and consumer protection laws.

A. Rights of California Residents

California residents may have the following rights:

Right to know what personal information we collect, use, disclose, sell, or share
Right to request access to personal information
Right to request deletion of personal information, subject to legal exceptions
Right to request correction of inaccurate personal information
Right to opt out of sale or sharing of personal information
Right to limit certain uses and disclosures of sensitive personal information
Right to non-discrimination for exercising privacy rights

B. Categories of Personal Information We May Collect

In the past 12 months, we may have collected the following categories of personal information:

Category	Examples
Identifiers	Name, business name, mailing address, email address, phone number, IP address, driver’s license number, online identifier
Customer records	Insurance application records, policy records, billing records, claims records, payment information
Protected classification information	Age, marital status, or other legally protected information where relevant to insurance, benefits, claims, or legal compliance
Commercial information	Insurance products requested, quoted, purchased, renewed, cancelled, or serviced
Internet or network activity	Website usage, browser data, device data, cookie data, page interactions
Geolocation data	Approximate location based on IP address or precise location where enabled and permitted
Audio, electronic, visual, or similar information	Call recordings, voicemails, emails, electronic signatures, submitted documents, or other communications where applicable
Professional or employment-related information	Job title, employer, payroll, employee count, business role, driver information, officer or owner information
Education information	Information submitted in employment or producer relationship contexts, if applicable
Sensitive personal information	Social Security number, driver’s license number, financial account information, health or medical information, account credentials, claims-related injury information
Inferences	Preferences, insurance needs, renewal needs, risk profile, or service interests based on information collected

C. Sources of Personal Information

We may collect personal information from:

You
Your business or employer
Policyholders, applicants, insureds, certificate holders, claimants, and authorized representatives
Insurance carriers
Wholesalers and managing general agents
Premium finance companies
Claims administrators, adjusters, auditors, inspectors, and loss control vendors
Consumer reporting agencies, where permitted
Public records and government databases
Website analytics and advertising tools
Service providers and vendors
Referral partners and business partners
Communications, forms, applications, portals, and documents submitted to us

D. Business or Commercial Purposes for Collection

We may collect and use personal information for:

Insurance quotes, applications, placement, binding, renewals, endorsements, audits, claims, and policy servicing
Client service and communications
Billing, payment, accounting, and premium financing
Marketing and advertising
Website analytics and improvement
Fraud prevention and security
Legal, regulatory, and compliance obligations
Business operations, vendor management, and recordkeeping
Employment, contractor, producer, or business relationship evaluation where applicable

E. Categories of Personal Information Disclosed

We may disclose the categories of personal information listed above to:

Insurance carriers
Wholesalers
Managing general agents
Premium finance companies
Claims administrators
Adjusters
Auditors
Inspectors
Loss control vendors
Insurance support organizations
Service providers
Professional advisors
Regulators and government authorities
Authorized representatives
Business transaction parties where applicable

F. How to Submit a California Privacy Request

California residents may submit privacy requests by contacting us at:

BearStar Insurance
Attn: Compliance & Ethics – Office of Privacy
2151 Michelson Dr., Suite 150
Irvine, CA 92612
Phone: 1-888-601-0088
Fax: 1-888-601-0087
Email: info@bearstarins.com

We may need to verify your identity before responding to a privacy request. We may request information reasonably necessary to confirm your identity and locate your records.

You may designate an authorized agent to submit a request on your behalf where permitted by law. We may require proof of authorization and verification of your identity.

G. Response Timing and Exceptions

We will respond to privacy requests as required by applicable law. Some requests may be denied or limited if an exception applies, including where information is needed to complete a transaction, service a policy, process a claim, comply with law, detect fraud, maintain security, exercise legal rights, comply with insurance recordkeeping obligations, or meet regulatory requirements.

H. Non-Discrimination

We will not discriminate against you for exercising privacy rights. We will not deny services, charge different prices, provide a different level of service, or suggest that you may receive different treatment because you exercised rights under applicable privacy law, except where permitted by law.

15. Accessing or Correcting Insurance Information

You may contact us to request access to or correction of personal information in BearStar Insurance files. Certain insurance records may be subject to legal, regulatory, carrier, underwriting, claims, or recordkeeping restrictions.

For policy changes, address changes, coverage questions, claims questions, or corrections to insurance information, please contact your BearStar Insurance agent or the BearStar service team.

16. Accessibility

We are committed to making this Privacy Policy reasonably accessible. If you need this Privacy Policy in an alternative format, please contact us using the contact information below.

17. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we update it, we will revise the “Last Updated” date above.

If we make material changes, we may provide additional notice through our website, email, client communications, or other appropriate means.

18. Contact Us

If you have questions about this Privacy Policy or BearStar Insurance’s privacy practices, please contact us: