We may receive compensation from insurance companies and/or clients through one or both methods listed below.
Fees: Our quotes include agency fees for services in addition to filed premiums. We provide a range of services in addition to insurance policy procurement and servicing including custom billing programs, safety programs, audit resources, resume writing assistance, review of construction contracts and expanded service hours. The purchase of insurance is NOT required to procure these services. Fees are refundable and voluntary.
Commissions: A retail commission is paid to your broker by the insurer as a percentage of the premium charged to the insured for the policy. The amount of commission may vary depending on several factors, including the type of insurance product sold and the insurer selected by the client. Retail commission rates can vary from transaction to transaction. Commissions are earned as premium is paid and are not refundable.
Because most transactions are completed over the phone, the remuneration of your policy is disclosed verbally. At your request, the remuneration we receive in respect of your policy can be provided in writing.