Disclosures

In compliance with regulations governing insurance brokers, we are required to provide certain disclosures to our clients and the public. Our brokerage has no direct or indirect ownership interest in any insurance company, and no insurer has an ownership interest in our brokerage.

We are not part of any financial conglomerate or holding company that has ownership in another brokerage or insurance company.

Our brokerage is completely independent with no financial or non-financial network affiliations.

As independent brokers, we represent multiple insurance markets and do not maintain exclusive contracts with any single insurer. We are not subject to volume or business mix requirements. From time to time, we may establish contractual relationships with various insurance carriers, including the one providing your coverage. These relationships may involve the payment of contingent commissions, which are based on factors such as growth, profitability, volume, retention, and the additional services we provide to insurers. These commissions are tied to our overall performance with each insurer, rather than individual policies, and are not guaranteed.

Occasionally, insurers may offer incentive programs to encourage the submission of new business. However, we prioritize placing your coverage with the insurer that best meets your needs, irrespective of such incentives. Brokerage compensation is included as part of your insurance premium.

For your reference, we have listed below the insurers we represent along with the range of compensation they provide as a percentage of your total premium.