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Disclosure

Statement on Services Provided

Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your advocate, using our professional experience to best represent your individual interest.

Statement on Broker Compensation Personal Lines Automobile and Property

Compensation from commission is part of your insurance premium and is paid to the brokerage by the insurance company. We have separate commission agreements with each insurance company that vary by business line. Commission is based on a percentage of the premium you pay and is standard industry practice.

Contingent (Profit) Compensation

In order for us to maintain strong relationships with quality insurers, we work with each to provide the type of business they desire. Some insurers recognize our efforts through a Contingent Commission contract. Payment of this Contingent Commission may depend on a combination of growth, profitability (loss ratio), volume, retention and increased services that we provide on behalf of the Insurer. Contingent Commission is not guaranteed. For detailed information on Contingent Commission, please go to the individual company’s website or contact us.

Ownership and Other Financial Links

We are proud to operate our business as a truly independent Brokerage and we do not have any financial links that could be considered a conflict of interest, such as:

  • Any direct or indirect ownership interest by any insurer or financial institution or conglomerate.

  • Any loan, credit facility or other financial relationship direct or indirectly.

Working with Insurance Companies

Our disclosure commitments are made in the best interest of consumers. We encourage you to also consult the commitments made by the insurance industry and individual companies by consulting their websites or other available information.