Contact Us Today: 888-833-8120 | Fax: 888-315-3750
1055 Stewart Avenue, 2nd Floor, Suite 5, Bethpage, NY 11714
42-18 Broadway, Astoria, NY 11103
by appointment: 273 Bayville Avenue, Bayville, NY 11709
Our Privacy and Disclosure Policies

Disclosure of compensation:
the premiums paid on customers' policies. In a few cases where insurance is placed with a carrier that does not pay commissions, we must
charge a fee for our services.
Although commissions are our principal source of revenue, the agency may derive additional compensation from a number of sources. Over
the course of the year, we earn
interest income on the premiums that pass through our bank accounts. We also may be paid fees or be reimbursed by an insurance carrier to
cover a portion of the cost of
marketing efforts related to business development such as agency training, advertising, mailings or brochures related to new products or
targeted programs.
In addition, we may earn income from so called "contingency agreements" which are profit sharing agreements that allow for the payment of
additional compensation based on
the underwriting profitability and volume of our overall book of business with an insurance company. These payments are not guaranteed and
since they are based on the results
of our total book of business with a company, we cannot determine what the result will be until after the close of the year. Also note that we
cannot determine what impact a
specific policy may have on those results.

These agreements are filed with and approved by state insurance departments as part of a company's rates and are not charged in addition
to their rates. Finally, since most (if
not all) insurance companies have these types of agreements in place, the presence of such an agreement with a particular carrier has no
influence on which carrier we
recommend for any insured. The placement of a client's coverage is made on the basis of whether the coverage procured is suitable for the
risk and the cost of the coverage is

Privacy Policy:
We are required by Federal and State statute, to provide you with certain information about our practices regarding disclosure on the
nonpublic personal information we obtain from
you and about you in the ordinary course of business.  Our practices of information gathering are usual, appropriate, and an acceptable
method for the purposes of insurance
underwriting.  In compliance with the GLBA, we are providing you with this information.  The nonpublic personal information we receive from
you and about you includes:

Information we receive from you on applications and other forms;
Information about your transactions with us, our affiliates, or others, such as arising from any claims you have presented, or your coverage
with an affiliate of ours;
Information we receive from a consumer reporting agency, including credit history, motor vehicle records and loss history information.

What we may disclose
We may disclose any of the nonpublic personal information you share with us to affiliates or third parties who help us perform usual and
appropriate business functions, such as
settling claims, underwriting and pricing your insurance, and overall servicing of you and your policy(ies).  We would also provide this
information to any insurance regulatory agency
when required, and any government entity or authorized person as required by law.

We do not disclose nonpublic personal information about former customers except as permitted by law.  Also, we do not sell or share customer
lists with marketing firms.

We seek to maintain the confidentiality of your nonpublic personal information.  This information is used solely by those employees who need
to know that information for the
purpose of providing products and services to you.  We have physical, electronic and procedural safeguards in place to maintain the
confidentiality and security of information in our
If you have any questions about our privacy policy, please feel free to contact us at the number listed.
Contact Us: 516.320.8120 | 631.422.8585 | 718.577.2721
Fax: 888.315.3750 | 516.320.8121 | 631.422.8586
Serving Happy Clients throughout New York State, New Jersey, Pennsylvania, Connecticut and Beyond!
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