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[Last Updated: July 10, 2026]<\/strong><\/p>\n Baer Insurance Services (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and protect your personal information when you visit our website (“Site”), use our services, or interact with us in any other way. By using our Site, you agree to the terms of this Privacy Policy.<\/p>\n As a part of our normal operations Baer Insurance Services collects, and in some cases, discloses information about you. We encourage you to read the following Privacy Statement that contains information about policies regarding the collection, use, disclosure, and protection of your information. If you are not comfortable with any of the terms or policies described in this Statement, we encourage you to send confidential correspondence through the postal service.<\/p>\n<\/p><\/div>\n Contents:<\/strong><\/p>\n What kind of customer information do we have, and where did we get it?<\/strong><\/p>\n Much of the customer information we collect comes directly from you. When submitting your application or request for insurance or other products and services we offer, or in requesting an insurance quote, you may give us information such as your name, address, and Social Security number. We also keep information about your transactions with our affiliates, others, or us \u2013 for example, the types of products and services you purchase from us, premiums, policy account balances and payment history. We also may collect information from outside sources, including consumer reporting agencies and\/or health care providers or reporting agencies such as the Medical Information Bureau (MIB). This information includes loss information reports, motor vehicle reports, credit reports, and medical information.<\/p>\n Who collects this information?<\/strong><\/p>\n In order to better serve your particular needs, the information noted above is collected by Baer Insurance Services, its agents, and other companies working on behalf of Baer Insurance Services. In addition to collecting information from you, you should also know that, depending on the nature of your transaction, we may collect information from outside sources, such as loss information reports, motor vehicle reports, and credit reports. For property insurance, we may send someone to inspect your property and verify information about the value and condition of your property.<\/p>\n Who has access to this information?<\/strong><\/p>\n In order to better serve your particular needs, our company, its employees, and certain companies working on our behalf have access to this information. This information may also be disclosed to third parties without your consent if disclosure is necessary to comply with legal processes or to protect the rights, property, or personal safety of Baer Insurance Services, its users or the public. We may also provide limited information about you to third parties without your permission when necessary or appropriate to service an insurance policy we have issued (e.g., inquiries from lien holders or additional insureds listed on the policy) or to address claims submitted under a policy we have issued. In addition, we may, as permitted by law, provide information about you without your permission to certain persons or organizations, such as: your agent or broker; insurance support organizations; other insurance companies in order to perform their function in regard to an insurance transaction involving you (i.e. a claim); independent claim adjusters; businesses that conduct actuarial or research studies; regulatory and law enforcement authorities; or our affiliated companies, if any.<\/p>\n Personal, Financial and Product Information:<\/strong><\/p>\n We collect personally identifiable information in order to identify and register you as a customer. In addition, we collect personal, financial and product information in order to provide you with services for your particular needs. By learning about you, we can deliver more relevant protection and product offerings and thus offer you better insurance services and options. The information we collect will vary depending upon the function or processes you select or request. Depending upon the function, product or process you select (for example, quote, request for proposal, e-mail, purchase), you may be required to provide information such as:<\/p>\n<\/p><\/div>\n Personal Information:<\/p>\n Non-Personal Information:<\/p>\n We may collect this information through forms, cookies, analytics tools, or other methods of tracking user interactions.<\/p>\n We use your personal information for the following purposes:<\/p>\n We use cookies, web beacons, and similar tracking technologies to enhance your experience on our Site. Cookies allow us to:<\/p>\n You can manage cookies through your browser settings, including blocking or deleting them, but this may affect your ability to use certain features on the Site.<\/p>\n<\/p><\/div>\n We may share your personal information in the following situations:<\/p>\n We do not sell, rent, or lease your personal information to third parties for marketing purposes without your explicit consent.<\/p>\n<\/p><\/div>\n We will retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements.<\/p>\n<\/p><\/div>\n Depending on your jurisdiction, you may have certain rights regarding your personal information, including:<\/p>\n If you wish to exercise any of these rights, please contact us using details provided at the bottom of this notice. California residents should also review the California Privacy Notice<\/a> below for additional rights and disclosures.<\/p>\n<\/p><\/div>\n We use appropriate technical and organizational measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no method of electronic storage or transmission is 100% secure, and we cannot guarantee absolute security.<\/p>\n<\/p><\/div>\n If you are located outside of The United States of America, your information may be transferred to, and processed in, countries with different data protection laws. By using our Site, you consent to this transfer.<\/p>\n<\/p><\/div>\n Our Site is for insurance and financial products and services and is not intended for children under the age of 18. We offer insurance and financial products and services and thus do not market any products or services to children under the age of\u00a018 or knowingly collect any information from children under the age of 18. If we become aware that information is or has been submitted by or collected from a child under the age of eighteen, we will destroy this information.<\/p>\n<\/p><\/div>\n We may update this Privacy Policy from time to time. Any changes will be posted on this page, and the “Effective Date” at the top of this policy will be updated accordingly. We encourage you to review this policy periodically to stay informed about how we are protecting your information.<\/p>\n<\/p><\/div>\n This California Privacy Notice (“California Notice”) supplements the information contained in our General Privacy Policy above and applies solely to consumers who reside in the State of California (“consumers” or “you”). We provide this California Notice to comply with the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act (collectively, the “CCPA”), and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this California Notice. In the event of any conflict between this California Notice and any other portion of our Privacy Policy, this California Notice controls with respect to California residents.<\/p>\n Scope and Exemptions.<\/strong> Certain personal information we collect, process, or disclose in connection with insurance and financial products and services may be subject to, and exempted from the CCPA by, other privacy laws, including the Gramm-Leach-Bliley Act (GLBA), the California Financial Information Privacy Act, the California Insurance Information and Privacy Protection Act, the Fair Credit Reporting Act (FCRA), and the Health Insurance Portability and Accountability Act (HIPAA). To the extent information is regulated by those laws, the notices and rights described in those laws apply and this California Notice does not.<\/p>\n We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device (“personal information”). Within the twelve (12) months preceding the effective date of this California Notice, and on an ongoing basis, we have collected the following statutory categories of personal information:<\/p>\n We do not knowingly collect biometric information or education information subject to the Family Educational Rights and Privacy Act (FERPA) through the Site.<\/p>\n<\/p><\/div>\n We may collect the following categories of sensitive personal information: government identifiers such as a Social Security number, driver’s license number, or state identification card number; account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; precise geolocation; and, where relevant to a product, application, or claim, information concerning health. We collect and use sensitive personal information only for the purposes permitted by the CCPA, such as performing services reasonably expected by the consumer (for example, providing a quote, underwriting, or servicing a policy or claim), and we do not use or disclose sensitive personal information for purposes of inferring characteristics about a consumer. Because our use is limited to these permitted purposes, we are not required to offer, and do not offer, a right to limit the use of sensitive personal information beyond these purposes. We do not sell or share sensitive personal information.<\/p>\n<\/p><\/div>\n We obtain the categories of personal information listed above from the following categories of sources: directly from you (for example, through forms, quote and application requests, and communications); automatically from your device and browser as you use our Site (for example, through cookies and analytics tools); from your insurance agent or broker; from our affiliates and companies working on our behalf; and from third parties such as consumer reporting agencies, insurance support organizations, the Medical Information Bureau, motor vehicle and loss-history reporting services, and other insurers.<\/p>\n<\/p><\/div>\n We collect and use personal information for the business and commercial purposes described in our General Privacy Policy, including to: provide insurance quotes, applications, underwriting, policy servicing, and claims handling; verify your identity and prevent fraud; process transactions and payments; respond to your inquiries and requests; personalize, maintain, secure, and improve our Site and services; perform actuarial or research studies; communicate with you, including marketing where permitted; and comply with legal, regulatory, and contractual obligations.<\/p>\n<\/p><\/div>\n Within the preceding twelve (12) months, we may have disclosed each of the categories of personal information listed above for one or more business purposes to the following categories of third parties: our affiliates; your agent or broker; service providers and contractors that perform services on our behalf (such as hosting, analytics, payment processing, and communications providers); insurers, reinsurers, and insurance support organizations; consumer reporting agencies; professional advisors such as attorneys, auditors, and accountants; and government agencies, regulators, and law enforcement as required or permitted by law.<\/p>\n<\/p><\/div>\n We do not<\/strong> sell your personal information, and we do not<\/strong> share your personal information for cross-context behavioral advertising, as those terms are defined under the CCPA. We have not sold or shared the personal information of consumers, including consumers under 16 years of age, in the preceding twelve (12) months. Because we do not sell or share personal information, we are not required to provide, and do not provide, a “Do Not Sell or Share My Personal Information” link; however, you may still contact us at any time with questions about our data practices.<\/p>\n<\/p><\/div>\n We retain each category of personal information for as long as reasonably necessary to fulfill the purposes for which it was collected, including to provide our products and services, maintain business and financial records, and comply with our legal, regulatory, tax, accounting, and recordkeeping obligations, resolve disputes, and enforce our agreements. When personal information is no longer needed, we take reasonable steps to securely delete, destroy, or de-identify it.<\/p>\n<\/p><\/div>\n Subject to certain exceptions and verification requirements, California residents have the following rights under the CCPA:<\/p>\n To submit a Right to Know, Delete, or Correct request, you (or your authorized agent) may contact us using the contact information at the bottom of this notice, including by email at Send Email<\/a>, by telephone, or by mail at our office address. Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a request on behalf of your minor child.<\/p>\n Verification.<\/strong> To protect your privacy and security, we will take reasonable steps to verify your identity before responding to your request. We may ask you to provide information that we can match against information already in our records to confirm your identity, and we may decline to process a request that we cannot verify. We will not fulfill your request unless you have provided sufficient information for us to reasonably verify that you are the person about whom we collected personal information, or an authorized representative.<\/p>\n Authorized Agents.<\/strong> You may designate an authorized agent to make a request on your behalf. We may require the authorized agent to provide proof that you gave them signed permission to submit the request, and may require you to verify your identity directly with us or confirm that you provided the agent permission to submit the request.<\/p>\n Response Timing.<\/strong> We endeavor to acknowledge receipt of a verifiable consumer request within ten (10) business days and to respond within forty-five (45) calendar days. If we require more time, we will inform you of the reason and extension period, up to a total of ninety (90) days, in writing. Any disclosures we provide will cover the period required by law. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded.<\/p>\n<\/p><\/div>\n We do not offer financial incentives or price or service differences in exchange for the retention, sale, or sharing of your personal information.<\/p>\n<\/p><\/div>\n We do not use your personal information to make solely automated decisions that produce legal or similarly significant effects concerning you without human involvement. If our practices change, we will update this California Notice and provide any notices and choices required by California law.<\/p>\n<\/p><\/div>\n California’s “Shine the Light” law (Cal. Civ. Code \u00a7 1798.83) permits California residents to request certain information regarding our disclosure of personal information to third parties for their own direct marketing purposes. We do not disclose personal information to third parties for their direct marketing purposes. If you have questions, you may contact us using the information below.<\/p>\n<\/p><\/div>\n We do not knowingly sell or share the personal information of consumers under 16 years of age. As stated in our General Privacy Policy, our Site is intended for an adult audience and we do not knowingly collect personal information from individuals under the age of 18.<\/p>\n<\/p><\/div>\n We may update this California Notice from time to time to reflect changes in our practices or applicable law. Any changes will be posted on this page and the “Last Updated” date at the top of this Privacy Policy will be revised accordingly.<\/p>\n<\/p><\/div>\n If you have questions or concerns about this California Notice or wish to exercise your rights, please contact us using the contact information provided at the bottom of this notice, including by email at Send Email<\/a>. If you have an unresolved privacy concern that we have not addressed satisfactorily, you may contact the California Privacy Protection Agency or the California Attorney General’s Office.<\/p>\n<\/p><\/div>\n Introduction:<\/strong><\/p>\n We are committed to protecting your privacy. This privacy policy explains how we collect, use, and share your personal information when you opt-in to receive text messages from us. By consenting to receive text messages, you agree to the terms outlined below.<\/p>\n Messaging Terms & Conditions:<\/strong><\/p>\n By opting in, you agree to receive marketing and informational messages<\/strong> (Appointment reminders, follow-up messages, account notifications and billing inquiries, promotional offers and updates, customer support or service notifications) from Baer Insurance Services<\/strong>. Message frequency may vary. Message and data rates may apply. For help, reply HELP<\/strong> or Send Email<\/a>. You can opt out at any time by replying STOP<\/strong>.<\/p>\n We collect the following personal information when you opt-in to receive text messages:<\/p>\n By opting in to our text message program, you explicitly consent to receiving text messages from us at the number you provide. You understand that consent is not a condition for purchasing any product or service.<\/p>\n<\/p><\/div>\n Message frequency varies depending on your interaction with our services.<\/p>\n<\/p><\/div>\n SMS opt-in or phone numbers collected for SMS purposes will not be shared with third parties or affiliates for marketing purposes<\/strong>.<\/p>\n We may, however, share your information in the following situations:<\/p>\n We take reasonable measures to protect the personal information you provide from loss, misuse, and unauthorized access. However, no method of data transmission over the internet is entirely secure, and we cannot guarantee absolute security.<\/p>\n<\/p><\/div>\n If you are located outside of the United States, please note that your personal information may be transferred to, and processed in, countries with different data protection laws than your home country. By consenting to receive text messages, you agree to this transfer.<\/p>\n<\/p><\/div>\n <\/p>\n Contact our offices at:<\/strong><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n\n
\nGeneral Privacy Policy<\/h3>\n<\/p><\/div>\n
1. Information We Collect<\/h4>\n
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2. How We Use Your Information<\/h4>\n
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3. Cookies and Tracking Technologies<\/h4>\n
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4. Sharing Your Information<\/h4>\n
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5. Data Retention<\/h4>\n
6. Your Rights and Choices<\/h4>\n
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7. Security<\/h4>\n
8. International Transfers<\/h4>\n
9. Children’s Privacy<\/h4>\n
10. Changes to This Privacy Policy<\/h4>\n
California Privacy Notice<\/h3>\n<\/p><\/div>\n
1. Categories of Personal Information We Collect<\/h4>\n
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2. Sensitive Personal Information<\/h4>\n
3. Sources of Personal Information<\/h4>\n
4. Purposes for Collecting and Using Personal Information<\/h4>\n
5. Disclosure of Personal Information<\/h4>\n
6. Sale or Sharing of Personal Information<\/h4>\n
7. Retention of Personal Information<\/h4>\n
8. Your California Privacy Rights<\/h4>\n
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9. How to Exercise Your Rights<\/h4>\n
10. Notice of Financial Incentives<\/h4>\n
11. Automated Decision-Making<\/h4>\n
12. “Shine the Light” Disclosure<\/h4>\n
13. Minors Under 16<\/h4>\n
14. Changes to This California Notice<\/h4>\n
15. Contact for California Residents<\/h4>\n
Privacy Policy for Text\/SMS Message Opt-In<\/h3>\n<\/p><\/div>\n
1. What Information We Collect<\/h4>\n
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2. Not A Condition for Purchase<\/h4>\n
3. Message Frequency<\/h4>\n
4. Data Sharing and Disclosure<\/h4>\n
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5. Security<\/h4>\n
6. International Data Transfers<\/h4>\n
Have Additional Questions Regarding Your Privacy?<\/h3>\n