Last Updated: 07/15/2025
1. Acceptance of Terms
By accessing and using the Golden Gate Insurance website (“Website”), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to abide by these terms, please do not use this service.
2. Company Information
Golden Gate Insurance (“Company”, “we”, “us”, or “our”) is a Managing General Agent (MGA) operating as the exclusive distributor for Cedar Insurance. We provide specialized insurance products and services to licensed insurance brokers and their clients, with a focus on healthcare and medical facility coverage.
3. Broker Network and Eligibility
3.1 Broker Qualification
Our services are exclusively available to licensed insurance brokers who meet our qualification criteria. Access to our products and services requires acceptance into our broker network.
3.2 Broker Responsibilities
Licensed brokers using our services agree to:
- Maintain current licensing and comply with all applicable insurance regulations
- Provide accurate information in all submissions and communications
- Represent our products accurately to their clients
- Follow our underwriting guidelines and submission requirements
3.3 Network Membership
Membership in our broker network is by invitation and approval only. We reserve the right to accept or decline broker applications at our discretion.
4. Use License and Website Access
4.1 Permitted Use
Permission is granted to authorized brokers to access and use materials on this Website for legitimate business purposes related to insurance services. This license does not permit:
- Copying or distributing materials for unauthorized purposes
- Reverse engineering any software or systems
- Using the Website for any unlawful activities
- Sharing login credentials or unauthorized access
4.2 Submission Portal
The submission portal is provided for authorized brokers to submit insurance applications and related documentation. All submissions are subject to our underwriting review and approval.
5. Insurance Services and Underwriting
5.1 MGA Services
As an MGA, we provide:
- In-house underwriting services
- Policy administration and management
- Premium collection and accounting services
- Specialized coverage programs for healthcare industries
5.2 Underwriting Authority
We act under binding authority granted by Cedar Insurance. All policies issued are subject to the terms, conditions, and limitations of the underlying insurance company.
5.3 Coverage Disclaimer
- No insurance coverage exists until a policy is issued and premiums are paid
- Quotes and indications are not guarantees of coverage
- All coverage is subject to underwriting approval and policy terms
- We reserve the right to decline any submission
5.4 Specialized Industries
Our coverage programs focus on:
- Medical and rehabilitation facilities
- Residential care facilities and nursing homes
- Home healthcare services
- Clinical and surgical centers
- Dental and physicians’ offices
- Assisted living and hospice care facilities
6. Submission Requirements and Documentation
6.1 Required Documentation
Submissions must include:
- Completed ACORD applications
- Carrier-issued loss runs (past 4 years plus current year, valued within 90 days)
- Experience Modification Worksheets (when applicable)
- Any supplemental information as requested
6.2 Document Accuracy
Brokers warrant that all submitted information is accurate, complete, and current. Misrepresentation may result in policy cancellation or denial of claims.
6.3 Submission Processing
We will review submissions promptly, but processing times may vary based on complexity and completeness of documentation.
7. Privacy and Confidentiality
7.1 Information Collection
We collect personal and business information necessary to provide insurance services, including:
- Broker and insured contact information
- Financial and business operation details
- Claims history and risk assessment data
7.2 Information Use
Collected information is used for:
- Underwriting and risk assessment
- Policy administration and claims processing
- Regulatory compliance and reporting
- Communication regarding insurance services
7.3 Information Sharing
We may share information with:
- Cedar Insurance and other authorized carriers
- Reinsurers and rating agencies
- Regulatory authorities as required by law
- Service providers necessary for business operations
7.4 Data Security
We implement appropriate safeguards to protect confidential information from unauthorized access, use, or disclosure.
8. Financial Terms and Premium Collection
8.1 Premium Payment
All premiums must be paid according to policy terms. We handle premium collection and accounting services for issued policies.
8.2 Commission Structure
Broker commissions are established by separate agreement and are subject to our standard commission schedule.
8.3 Billing and Collection
We manage billing, collection, and financial reconciliation for policies we administer.
9. Intellectual Property
9.1 Proprietary Materials
All content on this Website, including text, graphics, logos, and software, is owned by Golden Gate Insurance or its licensors and is protected by intellectual property laws.
9.2 Limited License
Authorized brokers may use our materials solely for legitimate business purposes in connection with our insurance products.
10. Limitation of Liability
10.1 Service Limitations
Golden Gate Insurance’s liability is limited to the scope of services provided as an MGA. We are not liable for:
- Carrier solvency or ability to pay claims
- Coverage disputes between insureds and carriers
- Losses resulting from misrepresentation in applications
- Consequential or indirect damages
10.2 Maximum Liability
Our total liability for any claim shall not exceed the commission earned on the specific policy in question.
11. Regulatory Compliance
11.1 Licensing
Golden Gate Insurance maintains all required licenses as a Managing General Agent and operates in compliance with applicable insurance regulations.
11.2 Regulatory Reporting
We comply with all regulatory reporting requirements and maintain records as required by law.
11.3 Consumer Protection
Insureds’ rights are governed by applicable state insurance laws and regulations.
12. Third-Party Relationships
12.1 Cedar Insurance
We act as the exclusive MGA for Cedar Insurance under binding authority agreements. All policies are issued by Cedar Insurance, not Golden Gate Insurance.
12.2 Other Service Providers
We may engage third-party service providers for various business functions, subject to appropriate confidentiality and security requirements.
13. Termination
13.1 Broker Relationships
We may terminate broker relationships at any time with appropriate notice. Termination does not affect existing policies in force.
13.2 Website Access
We reserve the right to suspend or terminate Website access for violation of these terms or for any other reason.
14. Modifications
We may modify these Terms and Conditions at any time. Continued use of our services constitutes acceptance of any modifications.
15. Dispute Resolution
15.1 Governing Law
These terms are governed by the laws of New York State.
15.2 Dispute Resolution
Disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
16. Contact Information
Golden Gate Insurance
Phone: 212-246-1700
Email: [email protected]
Business Hours: Monday — Friday, 9:00 AM — 5:00 PM
For specific inquiries:
- Policy or Claims Questions: Use contact form or call main number
- Invoice or Statement Questions: Use contact form or call main number
- General Questions: Use contact form or call main number
- Broker Network Applications: [email protected]
17. Severability
If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
18. Entire Agreement
These Terms and Conditions, together with any separate broker agreements, constitute the entire agreement between the parties regarding use of this Website and our services.
These terms and conditions should be reviewed by qualified legal counsel familiar with insurance law and MGA operations to ensure full compliance with applicable regulations in all jurisdictions where business is conducted.