Compensation Disclosure

Our professional fees, unless otherwise specifically negotiated and agreed to with our client, are customarily based on commission calculated as a percentage of the premium collected by the insurer and are paid to us by the insurer, insurers and insurance intermediaries may pay us additional compensation, which is contingent on volume, profitability or other factors pursuant to agreements we may have with them, relating to all or part of the business we place with those insurers or through those intermediaries, such agreements amy be in effect with one or more of the insurers with whom you insurance is placed, or with the insurance intermediary we use to place your insurance.

We may receive specific fees from our clients for placement of coverage and/or for other services or projects. If a client decides to pay us a fee directly for such services or projects, such fee-based agreements are reached prior to providing those services or projects for that client.

We will be pleased to provide further detail of any contingent compensation agreements pertinent to the placement of your policy upon your request.