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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 aspecific 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 competitive.

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 security of information in our
records. If you have any questions about our privacy policy, please feel free to contact us at the number listed.

 Online payments to our company via our website are made, collected and are a separate charge from any fees we (may) charge. That company is a paid service directly from the person paying our invoice and is the responsability of our client to pay for their service. please see that service companies disclosure terms.

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