W. R. Berkley Corporation
Financials
41
out of 100. Number 295 of 512, counting from the worst.
Where W. R. Berkley Corporation does well
- Renewals 0 of 20. Nothing found.
- No subscription or billing exists on this corporate site, so there are no auto-renew or cancellation traps at all - autorenew scored
- The disclaimer and liability-limitation sections honestly note that 'Some states do not allow the disclaimer of implied warranties / the limitation of liability, so the foregoing ... may not apply to you' - acknowledging state consumer protections rather than steamrolling them.
- The CCPA notice gives a detailed category-by-category table of what is collected and how it is used (insurance services, security, fraud prevention, legal compliance), which is more collection transparency than many peers offer.
- Electronic communications consent is revocable by notifying information@wrberkley.com - opt-out exists rather than being locked in. (The standard Berkley group privacy notice also states they do not sell names to unaffiliated direct marketers, but this could not be verified on an official domain this session.)
Any dispute with Berkley over the website goes to binding private arbitration, one person at a time - no class actions.
The fine print
6 clauses and findings from the draft archive, dated 1 October 2026. The plain English comes first; the small print is the company's own words. None of these has been checked yet.
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Any dispute with Berkley over the website goes to binding private arbitration, one person at a time - no class actions. And if you lose, you pay the arbitration costs. Note the one-sided carve-out: if they think you violated their intellectual property rights, they can skip arbitration and sue you in court instead.
Any controversy or claim arising out of or relating to these Terms of Use or use of this website shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association ... Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. ... You agree that the arbitration shall be conducted in Greenwich, Connecticut ... You agree that, if you are not the prevailing party in such arbitration, you will bear its cost.
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Berkley can rewrite these terms whenever it wants, without telling you, and you're automatically bound by the new version. The burden is on you to keep checking the site for changes you never agreed to.
These Terms of Use may be changed, modified, supplemented, or updated at any time, with or without advance notice. You agree to be bound by any such modifications. It is your responsibility to visit the link at the bottom of the W. R. Berkley Corporation home page periodically to review the most current terms and conditions.
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Anything you send them - a question, a suggestion, an email - becomes their property forever, with an irrevocable, unrestricted license to use it for anything, including building and marketing products. They explicitly ask you not to send anything confidential, but if you do, it's theirs.
With the exception of personal data ... any information you transmit to W. R. Berkley Corporation via this website, by electronic mail or otherwise, including questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of W. R. Berkley Corporation. ... you grant W. R. Berkley Corporation an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit, and distribute this material or information, and you also agree that W. R. Berkley Corporation is free to use any ideas, concepts, know-how, or techniques that you send us for any purpose.
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Berkley's stated data collection goes far beyond name and address: it includes fingerprints, keystroke patterns, gait patterns, sleep/health data, geolocation, audio and video recordings, browsing/search history, and behavioral profiles built from all of the above. (The notice hedges that 'not every operating unit collects every category.')
Biometric information (Examples: fingerprints, keystroke patterns, gait patterns, sleep/health data, etc.) ... Geolocation Data (Information to identify physical location) ... Audio, electronic, visual, thermal, olfactory, or similar information. (Examples: audio and video recordings) ... Internet or other electronic network activity information (Examples: browsing/search history, visitor's interaction with a website, etc.) ... Inferences drawn from any of the other categories of information (use of any of the above categories to create a profile about a consumer)
W. R. Berkley Corporation Notice of Personal Information Collected (Pursuant to the CCPA)
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Simply using the site or handing over your contact details counts as consent to receive electronic communications, and email is deemed to satisfy any legal requirement for written notice. At least you can revoke it by emailing them - an opt-out rather than opt-in model.
By utilizing or providing your contact details through our website, you are consenting to receive communications from us electronically. ... You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Users who do not wish to be contacted electronically may revoke this consent by notifying information@wrberkley.com.
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Berkley reserves a broad right to hand over any of your information whenever it decides that is necessary to satisfy a law, legal process, or government request - with 'or as otherwise permitted by law' as a wide catch-all.
Except as expressly limited by the Online Privacy Policy, we reserve the right to disclose any information that we deem necessary to satisfy any applicable law, regulation, legal process, or governmental request, or as otherwise permitted by law.
How these were found
Document dates/versions: corporate Terms of Use as published on the official Berkley operating-unit legal page 'Privacy | Berkley Insurance' (text is the corporate Terms of Use, stated as 'owned and maintained by W. R. Berkley Corporation', last updated September 30, 2019); W. R. Berkley Corporation Notice of Personal Information Collected (Pursuant to the CCPA) on the official operating-unit domain berkleysp.com, updated December 30, 2019. ACCESS LIMITATIONS: https://www.berkley.com/privacy (the corporate privacy page referenced in the CCPA notice) could not be fetched this session - the berkley.com domain is blocked by the research tooling - so the Terms of Use text was read from its identical official-domain mirror at berkleynet.com/privacy (same corporate text, also mirrored at vela-ins.com/privacy). No verbatim mirror sites were needed. The page's own Online Privacy Policy section is only a short summary paragraph, so data-practice findings rest on the CCPA notice PDF. The standard Berkley group GLBA privacy notice (form PR IV NT C1 06 01, stating among other things that Berkley 'does not sell your name to unaffiliated mail order or direct marketing companies') appears only on third-party sites and could not be verified on an official domain this session; it was not scored as a clause. No auto-renew, subscription, data-sale, or data-retention-schedule clauses were found in the corporate documents read, and scores reflect that absence.
These notes come from the original draft and are not independent verification.