Share of Cost Website Privacy - Terms of Use Information:

If you have any questions about the privacy of your online information, the practices of this site, your dealings with this web site and/or general questions that the web site does not answer, please feel free to contact us as noted during regular business hours. automatically secures all internet web transactions with True Site™ by GeoTrust. It's a leading-edge trust service that is a fast and convenient way for our customers to identify and confirm the web site’s legitimacy. Here's a few details:

True Site™
Identity Assurance for Web Sites

Provides businesses with a consistent, trusted third party vetting process
• Users see confirmed identity of business with no click
• Delivers useful and confidence-building information about the company
  to users
• Site owners and visitors are protected from spoofed (copied) sites that
  can harm rightful owner

You can click on the GeoTrust logo above to confirm our security commitment. If you have any questions about this security statement, the practices of this site, or your dealings with this Web site, you can contact:

General Information has created this privacy statement in order to demonstrate our firm commitment to your privacy. The following discloses the information gathering and dissemination practices for this Web site and it's affiliate companies.

The website is a marketing website owned and serviced by DEL AMO Insurance Services, Inc., DBA: InsComp Insurance Services with respect to its' content. collects information which is distributed to it's affiliated agents, brokers, agencies, brokerages, and/or companies based upon the state you have entered. 

All of it's affiliated agents, brokers, agencies, brokerages, and/or companies are licensed in their respective state for the product they quote and act as independent contractors and non binding to our company., DEL AMO Insurance Services, Inc., DBA: InsComp Insurance Services does not provide the quote and/or issue a policy unless otherwise specifically stated.

This website does not attempt to describe the product coverage and its' contents but is merely used as a sales tool for the purpose of product illustration. The website and its' owners cannot make recommendations as to whether any illustrated product may meet the users' particular needs. Therefore, the suitability of the product is the final determination of the user of this website.


Privacy Disclosure

As you are probably aware, the insurance industry is now subject to a federal privacy law called the "Gramm-Leach-Bliley Act" ("GLB"). GLB Protects the security and confidentiality of a consumer's personal information. Fortunately, since our companies have always been respectful of the privacy needs of our customers, we have not had to make significant changes to our usual business practices to become compliant with this new law. 

We have, however, had to prepare privacy notices to advise our customers of our privacy practices for which the affiliated agent must comply to receive your internet referral lead. We also have had to conduct an extensive review of all of our contracts under which we may disclose the nonpublic information of our applicants and insureds to third parties.

This review was necessary because, under GLB, our contracts must prohibit such third parties from disclosing or using the nonpublic personal information that we provide to them from using it for purposes other than to carry our the purposes for which we disclosed it to them. 

Since we provide all of our disclosures under exceptions to what are activities to what are termed "opt out requirements", our contracts must reflect this. (The exceptions under GLB, by the way, include such activities as servicing and processing an insurance application, administering a claims benefit, underwriting an insurance risk and billing an account). If we do not have language in our contracts to provide for this type of prohibition, under GLB, we would be required to include procedures in our privacy plan or statement whereby an applicant or insured could opt out of certain types of disclosures, including disclosures we may make to the agent.

Accordingly, we amended all of our existing and future contracts with our agents, sub-agents, agent affiliates, brokers, sub-brokers, broker affiliates and, in fact, even our vendors, with whom we share personal nonpublic information. 

Towards that end, as set forth below, we require all agents to sign the following agreement with our companies.


Nonpublic Personal Information

If the Company discloses to the Agent (which is defined to include any and all codes of Agent, and thus also thereby Agent's subagents) nonpublic personal information, ("NPI"), as defined in the Gramm-Leach-Bliley Act ("GLB") or as defined by an applicable state privacy statue, rule or regulation, (collectively referred to as the "State Privacy Laws"), Company will only do so pursuant to an exception set forth in both GLB and whatever, if any, State Privacy Laws may be applicable. 

Notwithstanding any other language in the Agreement, Agents will maintain physical, electronic, and procedural safeguards that comply with state and federal regulations to guard all NPI. Agent's handling of nay NPI, and the purpose for which the information may be used by Agent, shall be in compliance with all applicable laws, regulations and rulings, including, but not limited to GLB and Federal Fair Credit Reporting Act. 

The parties also agreed that a violation of the covenants described in this paragraph may cause irreparable and substantial damage and that no adequate remedy may be available at law or in equity. As a result, such violation may be enjoined through injunctive proceedings in addition to any other rights and remedies available at law or in equity.


HIPAA Privacy Information








Our Responsibilities


We are required by applicable federal and state law to maintain the privacy of your protected health information. "Protected health information" (PHI) is information about you, including demographic information, that may identify you and that relates to your past, present or future physical or mental health or condition and related health care services. We are also required to give you this notice about our privacy practices, our legal duties, and your rights concerning your PHI. We must follow the privacy practices that are described in this notice while it is in effect. This notice takes effect April 14, 2003, and will remain in effect until we replace it.   

We reserve the right to change our privacy practices and the terms of this notice at any time, provided such changes are permitted by applicable law. We reserve the right to make the changes in our privacy practices and the new terms of our notice effective for all PHI that we maintain, including PHI we created or received before we made the changes. Before we make a significant change in our privacy practices, we will change this notice and make the new notice available upon request.


Uses and Disclosures of Protected Health Information
We use and disclose PHI about you for treatment, payment, and health care operations. Following are examples of the types of uses and disclosures that we are permitted to make.


We may use or disclose your PHI to a health care provider providing treatment to you. We may use or disclose your PHI to a health care provider so that we can make prior authorization decisions under your benefit plan.


We may use and disclose your PHI to make benefit payments for the health care services provided to you. We may disclose your PHI to another health plan, to a health care provider, or other entity subject to the federal Privacy Rules for their payment purposes. Payment activities may include processing claims, determining eligibility or coverage for claims, issuing premium billings, reviewing services for medical or health necessity, and performing utilization review of claims.


Health Care Operations
We may use and disclose your PHI in connection with our health care operations. Health care operations include the business functions conducted by a health insurer. These activities may include providing customer services, responding to complaints and appeals from members, providing case management and care coordination under the benefit plans, conducting medical review of claims and other quality assessment and improvement activities, establishing premium rates and underwriting rules. In certain instances, we may also provide PHI to the employer who is the plan sponsor of a group health plan. We may also in our health care operations disclose PHI to business associates1 with whom we have written agreements containing terms to protect the privacy of your PHI.

We may disclose your PHI to another entity that is subject to the federal Privacy Rules and that has a relationship with you for its health care operations relating to quality assessment and improvement activities, reviewing the competence or qualifications of health care professionals, case management and care coordination, or detecting or preventing health care fraud and abuse.


On Your Authorization
You may give us written authorization to use your PHI or to disclose it to another person and for the purpose you designate. If you give us an authorization, you may withdraw it in writing at any time. Your withdrawal will not affect any use or disclosures permitted by your authorization while it was in effect. Unless you give us a written authorization, we cannot use or disclose your PHI for any reason except those described in this notice.

We will make disclosures of any psychotherapy notes we may have only if you provide us with a specific written authorization or when disclosure is required by law.


Personal Representatives
We will disclose your PHI to your personal representative when the personal representative has been properly designated by you and the existence of your personal representative is documented to us in writing through a written authorization.


Disaster Relief
We may use or disclose your PHI to a public or private entity authorized by law or by its charter to assist in disaster relief efforts.


Health Related Services
We may use your PHI to contact you with information about health-related benefits and services or about treatment alternatives that may be of interest to you. We may disclose your PHI to a business associate to assist us in these activities.

We may use or disclose your PHI to encourage you to purchase or use a product or service by face-to-face communication or to provide you with promotional gifts.


Public Benefit
We may use or disclose your PHI as authorized by law for the following purposes deemed to be in the public interest or benefit:


  • as required by law;
  • for public health activities, including disease and vital statistic reporting, child abuse reporting, certain Food and Drug Administration (FDA) oversight purposes with respect to an FDA-regulated product or activity, and to employers regarding work-related illness or injury required under the Occupational Safety and Health Act (OSHA) or other similar laws;
  • to report adult abuse, neglect, or domestic violence;
  • to health oversight agencies;
  • in response to court and administrative orders and other lawful processes;
  • to law enforcement officials pursuant to subpoenas and other lawful processes, concerning crime victims, suspicious deaths, crimes on our premises, reporting crimes in emergencies, and for purposes of identifying or locating a suspect or other person;
  • to avert a serious threat to health or safety;
  • to the military and to federal officials for lawful intelligence, counterintelligence, and national security activities;
  • to correctional institutions regarding inmates; and
  • as authorized by and to the extent necessary to comply with state worker's compensation laws.

    We will make disclosures for the following public interest purposes, only if you provide us with a written authorization or when disclosure is required by law:


  • to coroners, medical examiners, and funeral directors;
  • to an organ procurement organization; and
  • in connection with certain research activities.

    Use and Disclosure of Certain Types of Health Information
    For certain types of PHI we may be required to protect your privacy in ways more strict than we have discussed in this notice. For instance, if a state law is more restrictive than HIPAA, we will follow that state law. Generally, the following state laws are ones which we abide by for our use or disclosure of certain types of your PHI:



  • HIV Test Information. We may not disclose the result of any HIV test or that you have been the subject of an HIV test unless required by law or the disclosure is to you or other persons under limited circumstances or you have given us written permission to disclose.
  • Genetic Information. We may not disclose your genetic information unless the disclosure is made as required by law or you provide us with written permission to disclose such information.
  • Mental Health Information Records. We may not disclose your mental health information records except to you and anyone else authorized by law to inspect and copy your mental health information records or you provide us with written permission to disclose.
  • Alcoholism or Drug Abuse Information. We may not disclose any alcoholism or drug abuse information related to your treatment in an alcohol or drug abuse program unless the disclosure is allowed or required by law or you provide us with written permission to disclose.

    Individual Rights
    You may contact us using the information at the end of this notice to obtain the forms described here, explanations on how to submit a request, or other additional information.


    You have the right, with limited exceptions, to look at or get copies of your PHI contained in a designated record set. A "designated record set" contains records we maintain such as enrollment, claims processing, and case management records. You may request that we provide copies in a format other than photocopies. We will use the format you request unless we cannot practicably do so. You must make a request in writing to obtain access to your PHI and may obtain a request form from us. If we deny your request, we will provide you a written explanation and will tell you if the reasons for the denial can be reviewed and how to ask for such a review or if the denial cannot be reviewed.


    Disclosure Accounting
    You have the right to receive a list of instances since April 14, 2003 in which we or our business associates disclosed your PHI for purposes, other than treatment, payment, health care operations, or as authorized by you, and for certain other activities. If you request this accounting more than once in a 12-month period, we may charge you a reasonable, cost-based fee for responding to these additional requests. We will provide you with more information on our fee structure at your request.


    You have the right to request that we place additional restrictions on our use or disclosure of your PHI. We are not required to agree to these additional restrictions, but if we do, we will abide by our agreement (except in an emergency). Any agreement we may make to a request for additional restrictions must be in writing signed by a person authorized to make such an agreement on our behalf. We will not be bound unless our agreement is in writing.


    Confidential Communication
    You have the right to request that we communicate with you about your PHI by alternative means or to alternative locations. You must make your request in writing. This right only applies if the information could endanger you if it is not communicated by the alternative means or to the alternative location you want. You do not have to explain the basis for your request, but you must state that the information could endanger you if the communication means or location is not changed. We must accommodate your request if it is reasonable, specifies the alternative means or location, and provides satisfactory explanation how payments will be handled under the alternative means or location you request.


    You have the right, with limited exceptions, to request that we amend your PHI. Your request must be in writing, and it must explain why the information should be amended. We may deny your request if we did not create the information you want amended and the originator remains available or for certain other reasons. If we deny your request, we will provide you a written explanation. You may respond with a statement of disagreement to be attached to the information you wanted amended. If we accept your request to amend the information, we will make reasonable efforts to inform others, including people you name, of the amendment and to include the changes in any future disclosures of that information.


    Right to Receive a Copy of the Notice
    You may request a copy of our notice at any time by contacting the Privacy Office. If you receive this notice by electronic mail (e-mail), you are also entitled to request a paper copy of the notice.


    Questions and Complaints
    If you want more information about our privacy practices or have questions or concerns, please contact us using the information listed at the end of this notice.


    If you are concerned that we may have violated your privacy rights, you may complain to us using the contact information listed at the end of this notice. You also may submit a written complaint to the U.S. Department of Health and Human Services; see information at its website: If you request, we will provide you with the address to file your complaint with the U.S. Department of Health and Human Services.


    We support your right to the privacy of your PHI. We will not retaliate in any way if you choose to file a complaint with us or with the U.S. Department of Health and Human Services.


    Information Automatically Logged

    We use your IP address to help diagnose problems with our server and to administer our Web site. Your IP address is also used to help identify you and your shopping cart.


    Our Site uses cookies to keep track of your shopping cart, and to make sure you don't see the same ad repeatedly. We also use cookies to deliver content specific to your interests, and to save your password so you don't have to re-enter it each time you visit our site.

    Order Forms

    Our site uses an order form for customers to request information, products, and services. We collect contact information (like their email address), financial information (like their account or credit card numbers), unique identifiers (like their social security number), and demographic information (like their zip code, age, or income level).

    Contact information from the order forms is used to ship purchases, information about our company. The customer's contact information is also used to get in touch with the visitor when necessary.

    Financial information that is collected is used to check the users' qualifications for registration, and to bill the user for products and services.

    Unique identifiers (such as social security numbers) are collected from Web site visitors to verify the user's identity, and for use as account numbers in our record system.

    Demographic and profile data is also collected at our site.
    We use this data to tailor our visitor's experience at our site showing them content that we think they might be interested in, and displaying the content according to their preferences.


    This site has security measures in place to protect the loss, misuse, and alteration of the information under our control.

    Children's Guidelines

    We care about children and understand that they have special privacy needs. Therefore, we have adopted the following privacy policy regarding children:

    1. We will NOT collect, use, or distribute to third parties personally identifiable information without prior verifiable parental consent.

    2. We will NOT give the child access to unmonitored chat rooms, message boards, email accounts, or other services that would give the child the ability to publicly post or otherwise distribute personally identifiable information without prior verifiable parental consent

    3. When verifiable parental consent is not obtained, we will only use the online contact information (such as email) to:

      1. Respond directly to the child's request on a one-time basis and not use that information to re-contact the child for other purposes.

      2. Request the name or online contact information of a parent for the purpose of obtaining verifiable parental consent or providing parental notification.

      3. Respond more than once directly to a specific request from a child (such as in the case where a child requests a newsletter subscription) and not used to re-contact the child for other purposes. We will use our best efforts to provide parental notification, which will include the nature and intended use as well as an opportunity for the parent to prevent the use of the information and participation in the activity.

    4. We will NOT entice the child to divulge more information than is needed to participate in any activity, game, or service.

    5. We will provide the parent a description of the specific types of a personally identifiable information collected from their child upon request. We will allow the parent to refuse further use or future online collection of personally identifiable information and provide a way for a parent to obtain any personally identifiable information collected from their child.

    6. We will provide notice to children in age appropriate terms of what personally identifiable information is to be collected.

    7. We will NOT provide any links to Web sites that are unsuitable for children.

    8. We will encourage children to get their parent's permission before sharing personal information online.

    Data Quality/Access

    This site gives users the following options for changing and modifying information previously provided:

    1. You can send email to

    Contacting the Web Site

    If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can contact:


    Monday-Friday 10am-4pm Pacific Standard Time

    Corporate Office
    910 Lomita Blvd
    P.O. Box 910
    Harbor City, CA 90710-0910

    Office: 310.534.3444