Compensation Notice

You are a highly valued customer, and our firm takes pride in the services we provide to you.

Acting as an independent insurance agent or as an insurance broker, we are able to offer you professional service and competitive prices because we can access insurance coverage, in most cases, from more than one insurance company.

Our compensation is based on ONE of the following:

• Our firm is paid a commission for selling and servicing your account. The amount is based on the standard commission schedules established by each of the companies we work with.

          or

• The insurance company with which your policy is being placed does NOT pay this firm for the placement. Our sole compensation is the Broker Fee, which has previously been disclosed to you, and to which you have given your consent.

         or

• In addition to the Broker Fee we are charging you, which has previously been disclosed to you, and to which you have given your consent, we also receive compensation from the insurance company in the form of a sales commission described generally above.

Our firm may also be eligible, and in some cases, is eligible, for various forms of incentive compensation, including contingent commissions and other awards and bonuses, from the insurer. Incentive compensation is based upon a variety of factors that may include the level of premium written, retention, growth, overall profitability, or other performance measures established by the insurers with whom we do business.

Our firm will attempt to obtain one or more quotes for insurance coverage suitable for the needs and preferences you have communicated to us, and will provide you with the quotes we obtain that we believe suit your needs. Please remember, however, that you are ultimately responsible for determining what coverages you need for your protection, the amount of insurance you need and other issues.

We are happy to provide you with additional details about our services, our relationship with your insurance company or our compensation.

Our agency is grateful to have you as a customer, and we welcome any suggestions you have to assist us in serving you better. We appreciate your business.