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Did You Know?

Umbrella policies are designed to cover those catastrophic losses that demand more than your basic liability policy can deliver. What if a customer fell in your store? What if your delivery driver caused a multi-car pileup? What if both of these claims took place during one policy year?
 
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Legal & Privacy

Your Use of This Website is Governed by These Terms and Conditions
Please take a few minutes to review these Terms and Conditions.

Your use of this website constitutes your agreement to follow these rules and to be bound by them. If you do not agree with any of these Terms and Conditions, do not use the MatsenExpress.com website.

The MatsenExpress.com website is operated by Matsen Insurance Brokers, business address is Matsen Insurance Brokers, 701 Fifth St., Suite 300, Eureka, CA  95501.

Matsen Insurance Brokers does not guarantee the performance or the availability of the website at a particular time or for a particular purpose. Matsen Insurance Brokers also does not guarantee, represent, or warrant that the website will be error-free, free of any viruses or other harmful components, or that any errors or defects in the website will be corrected. Matsen Insurance Brokers reserves the right in its exclusive discretion at any time without notice to amend, limit, modify, suspend, or terminate the website.

Disclaimer of Warranty
Matsen Insurance Brokers’ online insurance services are provided on as “AS IS”, “AS AVAILABLE” basis, and Matsen Insurance Brokers does not provide any assurances of the availability or usability by you of the online insurance services. Matsen Insurance Brokers makes no representations or warranties, whatsoever, as to the substance, or the accuracy or sufficiency thereof, of any Product information listed on the web site.

Matsen Insurance Brokers reserves the right to refuse to do business with anyone. Matsen Insurance Brokers reserves the right to terminate any business relationship at any time that it deems inappropriate or becomes unreasonably difficult, abusive, or intolerable.

These Terms and Conditions May Change
Matsen Insurance Brokers reserves the right to update or modify these Terms and Conditions at any time without prior notice. Your use of this website following any such change constitutes your agreement to follow and be bound by the Terms and Conditions as changed. For this reason, we encourage you to review these Terms and Conditions whenever you use this website.


Commercial Insurance Premium Disclosure

The coverage(s) and any premium(s) stated herein are preliminary and subject to change based upon additional underwriting review.  Coverage bound may be canceled immediately upon notice to the insured and/or its agent subject to applicable state law.  Coverage will expire upon the expiration of the five (5) day period without further notice, unless extended in writing with consent of the carrier.  Coverage cannot be backdated.

The coverage descriptions in this proposal are abbreviated.  Any coverage bound in accordance with the terms of this proposal is subject to the terms, conditions, limitations and exclusions of the applicable policy(ies).  If there is any conflict between the coverage statements within this proposal and the applicable insurance policy(ies), the policy provisions will prevail. For questions regarding this proposal, contact us.

Disclaimer
Please review your current policy carefully as it is a legal contract. We are not making any coverage comparisions for you at this time.

Fees and Commissions Disclosure
MATSEN is compensated through fees and/or commissions for services provided to clients to identify, analyze, transfer, implement, and administer their risks.  In addition to this compensation, MATSEN has service agreements with most of its principal insurance markets for which it is compensated for services provided to these markets.  These payments for services are based upon such factors as the overall volume, growth and profitability of the total premium placed with an insurer.
 
If you have any questions or require additional information about our compensation practices, please contact the CFO or CEO of MATSEN.


Privacy Policy Notice
 - As of 12/1/2004


PURPOSE OF THIS NOTICE
Title V of the Gramm-Leach-Bliley Act (GLBA) and the laws of the State of California generally prohibits us from sharing nonpublic personal information about you with a third party unless we provide you with this notice of our privacy policies and practices describing the information that we collect about you and the categories of persons or entities to whom that information may be disclosed. In compliance with the GLBA and California law, we are providing you with this document, which notifies you of the privacy policies and practices of Matsen Insurance Brokers.

OUR PRIVACY POLICIES AND PRACTICES
1.  Information we collect:
A.  Categories of Information Collected and Sources From Which We Collect It.
      We collect nonpublic personal information about you from the following sources:

1)    Information that you provide us on applications and other forms, such as your name, address and telephone number.
2)    Information about your transactions with us from the insurance companies we contact to underwrite your insurance, such as payment history, policy coverage and premiums.
3)    Information we receive from the Department of Motor Vehicles or other consumer reporting agencies, such as motor vehicle records, credit report information and claims history.
4)    Information contained in medical records or from medical professionals that is related to insurance claims.
Unless it is specifically stated otherwise in and amended Privacy Policy Notice, no additional information will be collected about you.

B.  Persons From Whom Information is Collected.
We may collect nonpublic personal information from individuals other than those proposed for coverage.

2.  Information we may disclose to third parties:
We do not disclose information about you to third parties whose only use of the information is to market a product or service.  However, in the course of our general business practices, we may disclose the information that we collect (as described above) about you or others without your permission to the following types of institutions for the reasons (including but not limited to) described below as allowed by law:

A.    To a third party if the disclosure will enable that party to perform a business, professional or insurance function for us.
B.    To an insurance institution, agent or credit reporting agency in order to detect or prevent criminal activity, fraud or misrepresentation in connection with an insurance transaction.
C.    To an insurance institution, agent or credit reporting agency for either this agency or the entity to which we disclose the information to perform a function in connection with an insurance transaction involving you.
D.    To a medical care institution or medical professional in order to verify coverage or benefits, inform you of a medical problem of which you may not be aware, or conduct an audit that would enable us to verify treatment.
E.    To the California Department of Insurance or other insurance regulatory authority, law enforcement, or other governmental authority in order to protect our interest in preventing or prosecuting fraud, or if we believe that you have conducted illegal activities.
F.    To a group policyholder for the purpose of reporting claims experience or conducting an audit of our operations or services.     
            
3. Your right to access and amend your personal information:
You have the right to request access to the personal information that we record about you  Your right includes the right to know the source of the information and the identity of the persons, institutions or types of institutions to whom we have disclosed such information within 2 years prior to your request.  Your right includes the right to view such information and copy it in person, or request that a copy of it be sent to you by mail (for which we may charge you a reasonable fee to cover our costs).  Your right also includes the right to request corrections, amendments or an amendment or deletions of any information that is in our possession.  The procedures that you must follow to request access to our an amendment of you information are as follows:

To obtain access to your information:  You should submit a request in writing to Wendy S. David, CFO,COO, Matsen Insurance Brokers, P.O. Box 1029, Eureka, CA  95502.  The request should include your name, address, social security number, telephone number and the recorded information to which you would like access.  The request should state whether you would like access in person or a copy of the information sent to you by mail.  Upon receipt of your request, we will contact you within 30 business days to arrange providing you with access in person or the copies that you have requested.

To correct, amend or delete any of your information:  You should submit a request in writing to Wendy S. David, CFO, COO, Matsen Insurance Brokers, P.O. Box 1029, Eureka, CA  95502.  The request should include your name, address, social security number, telephone number, the specific information in dispute and the identity of the document or record that contains the disputed information.  Upon receipt of your request, we will contact you within 30 business days to notify you either that we have made the correction, amendment or deletion, or that we refuse to do so and the reasons for the refusal, which you will have the opportunity to challenge.

4. Our practices regarding information confidentiality and security:
We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

5. Our policy regarding dispute resolution:
Any controversy or claim arising out of or relating to our privacy policy, or the breach thereof, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

6. Reservation of the right to disclose information in unforeseen circumstances:
In connection with the potential sale or transfer of its interests, Matsen Insurance Brokers, and its affiliates (if any), reserve the right to sell or transfer your information (including but not limited to your address, name, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that (1) concentrates its business in a similar practice, product or service; (2) agrees to be Matsen Insurance Broker’s successor in interest with regard to the maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy statement.

COMMUNICATIONS
Matsen Insurance Brokers shall conclusively presume that online communications received from you through your use of the online application and/or order form and registration process are accurate, complete, and authorized by you as received by Matsen Insurance Brokers. You agree not to contest the validity and binding legal effect of those communications.

SHOPPER REGISTRATION
You agree to complete the initial registration process according to Matsen Insurance Brokers’s requirements stated on the Web site, and to provide Matsen Insurance Brokers with accurate, complete and updated information as required for the initial registration process, including, but not limited to, your legal name, billing and delivery addresses, and telephone number. You must provide Matsen Insurance Brokers with an accurate and complete credit card number and expiration date or bank account information at the time of submitting your online purchase order. You represent and warrant to Matsen Insurance Brokers that your use of any credit card or bank account is authorized and legal.

It is your responsibility to promptly notify your bank of any changes to your billing information or loss, theft, or unauthorized use of your credit card number. You are responsible for updating your registration information and your credit card information, as applicable.

All insurance purchases/orders must include a valid e-mail address, and an order confirmation of premium will be sent to the email address entered at the time of order upon order confirmation.
 

COPYRIGHT NOTICE
The content of this site, including but not limited to the programming code, text, and images herein and their arrangements, unless otherwise noted, are Copyright protected under United States and International Copyright Law - © 2007 Matsen Insurance Brokers - All Rights Reserved. All trademarks referred to are the property of their respective owners.

Nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under any copyright, patent, trademark or other proprietary rights of Matsen Insurance Brokers or any third party.

Links on this site may lead to servers maintained by individuals or organizations other than Matsen Insurance Brokers. Matsen Insurance Brokers makes no representation or warranty regarding the accuracy, timeliness, suitability or any other aspect of the information located on such servers and neither monitors nor endorses such servers or content.

Photography, Graphics and Programming Code
Photography, images, and graphics for this site have been created exclusively for Matsen Insurance Brokers and may not be altered or used for any other purpose without the express written consent of  Matsen Insurance Brokers.


Legal Disclaimer
MATSEN INSURANCE BROKERS AND ITS MEMBER FIRMS AND AFFILIATES, INCLUDING THEIR RESPECTIVE PARTNERS, PRINCIPALS, EMPLOYEES, AGENTS AND REPRESENTATIVES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, TIMELINESS SUITABILITY OR ANY OTHER ASPECT OF THIS SITE OR ANY CONTENT ON OR ACCESSED THROUGH THIS SITE FOR ANY PURPOSE, ALL OF WHICH IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTY OF ANY KIND. MATSEN INSURANCE BROKERS HEREBY DISCLAIMS ALL WARRANTIES AND OBLIGATIONS WITH REGARD TO THE SITE OR ANY CONTENT ON OR ACCESSED THROUGH THIS SITE, INCLUDING BUT NOT LIMITED TO ALL IMPLIED WARRANTIES AND OBLIGATIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. IN NO EVENT SHALL MATSEN INSURANCE BROKERS, ITS MEMBER FIRMS, AFFILIATES, PARTNERS, PRINCIPALS, EMPLOYEES, AGENTS AND REPRESENTATIVES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL OR OTHER DAMAGES WHATSOEVER, (INCLUDING BUT NOT LIMITED TO LIABILITY FOR LOSS OF USE, DATA OR PROFITS), WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTIONS, ARISING OUT OF OR IN CONNECTION WITH THIS SITE, ANY CONTENT ON OR ACCESSED THROUGH THIS SITE, OR ANY COPYING, DISPLAY OR OTHER USE THEREOF.

This site and its content are made available only to provide information about Matsen Insurance Brokers and its services. Matsen Insurance Brokers maintains this site in CA, USA and makes no representation that this site or any content on or accessed through the site are appropriate or available for use in other jurisdictions. You are responsible for compliance with all applicable laws and regulations.

701 Fifth St., Suite 300
Eureka, CA  95501
BUS:  707.444.9292
FAX:  707.444.9529
INS. LIC. #0583580
100 Stony Point Rd., Suite 160
Santa Rosa, CA  95401
BUS:  707.546.2300
FAX:  707.546.2915
INS. LIC. #0583580 
519 School St.
Ukiah, CA  95482
BUS:  707.462.4748
FAX:  707.462.9286
INS. LIC. #0583580

 
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