Disclosure of compensation:

Customers pay premiums on policies. In some 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 several sources. Over 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 pertaining 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 we base them on the results of our total book of business with a company, we cannot determine the result 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 we do not charge them in addition to their rates.

Finally, since most (if not all) insurance companies have these agreements, such an agreement with a particular carrier does not influence which carrier we recommend for any insured. The placement of a client's coverage is made based on whether the coverage procured is suitable for the risk and the cost of the coverage is competitive.

Privacy Policy:

We are required by Federal and State statutes to provide you with certain information about our practices regarding disclosure of the nonpublic personal information we obtain from you and about you in the ordinary course of business. Our practices of information gathering are a usual, appropriate, and acceptable method for 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 nonpublic personal information you share with us to affiliates or third parties who help us perform usual and appropriate business functions, like 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 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.

Confidentiality:

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 to provide products and services to you. We have physical, electronic, and procedural safeguards to maintain the confidentiality and security of information in our records.

If you have any questions about our privacy policy, please contact us at the number listed.