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No. We are an independent agency appointed with multiple carriers licensed in your state. This means we shop the market at renewal rather than defending a single company's rates. We disclose all carrier relationships on request.

Commission from carriers is our primary compensation, at no additional cost to you beyond the premium. Fee-based arrangements are available for complex commercial accounts where we prefer to separate compensation from placement. All compensation is disclosed on request.

Yes for common commercial bond needs including performance, payment, and license bonds. Specialty surety — court, fidelity, or large construction programmes — is referred to specialist brokers with whom we maintain working relationships.

Claims history affects placement and pricing but does not automatically disqualify you. We know which carriers are more forgiving of certain loss types and present your history in the most accurate context. We do not recommend withholding material facts.