Privacy Policy

Bernauer Insurance Agency is an independent insurance agency based in Minnesota. We are not an insurance company. We work on your behalf to compare coverage from multiple carriers, and we are paid a commission by the carrier you ultimately choose — not a fee by you.

Because we handle insurance applications, we are treated as a financial institution under federal privacy law. This policy explains how we handle your information.

When you request a quote, report a claim, or contact us, you may give us information such as your name, address, phone number, email, date of birth, household members, income, driving history, property details, business details, or health information.

We ask for what a carrier needs in order to quote you accurately, and we try not to ask for more than that. Some questions look intrusive — annual income for a health quote, for instance — because subsidy eligibility genuinely cannot be calculated without them.

With your authorization, we may receive information about you from insurance carriers, consumer reporting agencies, motor vehicle records, claims history databases, and similar sources. This is a normal part of underwriting — carriers verify what is on an application before they issue a policy.

If you ask us to quote health, Medicare, dental, vision, or life coverage, we may collect information about your health, your medications, and the doctors you see. We treat this information as confidential, use it only to obtain and service coverage for you, and share it only with the carriers and administrators involved in that coverage.

We use the information you give us to:

• Obtain quotes from insurance carriers on your behalf
• Submit applications and place coverage you have chosen
• Service your policy, process changes, and assist with claims
• Contact you about your coverage, renewals, and things that affect them
• Meet legal, regulatory, and licensing obligations

We share your information with insurance carriers, general agencies, and administrators as necessary to quote, place, and service your coverage. We may also share it with service providers who work on our behalf, and where we are required to by law, regulation, or a valid legal request.

We do not sell your personal information, and we do not share it with anyone for their own marketing purposes.

We limit access to your information to the people in our office who need it to do their job. We use reasonable physical, electronic, and procedural safeguards to protect it.

We should be straightforward with you about one thing: email and web forms are not encrypted end-to-end. If you would rather give us sensitive information by phone or in person, that is always fine — call us instead.

We keep records for as long as you are a client and afterward for as long as our legal, regulatory, and professional obligations require. If you stop doing business with us, we continue to handle whatever we still hold according to this policy.

You can ask us what we have on file for you, ask us to correct it, or ask us to stop contacting you for marketing purposes. Some information we are required to retain even if you ask us to delete it, because insurance records are subject to retention rules.

To make any of these requests, call or email us using the details at the bottom of this page.

This site does not require you to create an account. Information you type into a form on this site is sent to our office by email so that we can respond to you.

Our website is served through a hosting provider that may log routine technical information such as IP addresses as part of delivering and securing the site. We do not use this site to build advertising profiles.

This site is not directed to children, and we do not knowingly collect information from children through it. We do collect information about minor children when a parent or guardian includes them on a household insurance application, which is a normal part of quoting family coverage.

We may update this policy from time to time. The effective date at the top of this page tells you when it was last revised.