Disclosure

Dear Clients and Associates: 

We are com­pen­sated for each insur­ance pol­icy placed on behalf of a client by either com­mis­sion pay­ment from the insurer or a fee paid by our client.  Gen­er­ally, com­mis­sions and fees are mutu­ally exclu­sive, i.e. we do not receive both. 

We also have a poten­tial for profit shar­ing when offered by insur­ance com­pa­nies at their dis­cre­tion.  Profit shar­ing under these plans is based on total busi­ness vol­ume and / or under­writ­ing profit on busi­ness we pro­duce dur­ing a spec­i­fied period.  These pay­ments are not guar­an­teed, are not offered on a par place­ment basis and are not offered exclu­sively to us. 

Often, we will offer mul­ti­ple insur­ance options to our clients and gen­er­ally rec­om­mend a par­tic­u­lar pol­icy on the basis of cost, breadth of cov­er­age, the insurer’s ser­vice capa­bil­ity, the insurer’s finan­cial sta­bil­ity and the insurer’s com­mit­ment to the client’s indus­try.  We leave the final selec­tion of an insurer to the client after dis­cus­sion of the alternatives.