As an independent insurance agency, we are able to offer excel­lent service and competitive prices because we can access insurance coverage, in most cases, from more than one insurance company.

We are paid a commission for selling and serving your account. The amount is based on the standard commission schedules established by each of the com­panies we work with and is subject to review by the state regulator to ensure that it is not excessive, inadequate or unfairly discriminatory.

Our agency may also receive compensation through incentive or profit-sharing arrangements with insurance companies with which we place business. Eligibility for and the amount of this contingency compensation is based on pre-established thresholds that consider the overall profitability of the business we place with the insurer, as well as additional factors such as volume and retention of business. This incentive compensation is never tied to any individual policyholder and there is no meaningful method to determine in advance the impact that any particular policy has on these payments. If in any given year our agency does not meet the profitability thresholds outlined above, we are not eligible for any incentive com­pensation.

Our agency does business with a variety of competing insurance companies and we will attempt to obtain quotes from insurers we believe to be suitable for you, based on the preferences and needs you communicate to us.

We do not charge you anything for the placement of your policies. We are compensated solely by the insurance company in the manner previously described. However, we may charge certain fees specifically authorized by statute, such as to cover the cost of obtaining a motor vehicle report.

If you would like, we are always happy to provide you with additional details about our services, our rela­tionship with your insurance company or our compensation.

Thank you for trusting us with your insurance needs. We understand the vital role that insurance plays in providing you with financial security and peace of mind and we are happy to work with you to provide the best possible solution tailored to your needs.