Overview

Prime Harbor Insurance wants clients to know how our website content is made, how our agency is paid, and how our license information can be checked.

The information on this website is for education. It is not legal, tax, financial, or personal coverage advice. Final policy terms, prices, fees, exclusions, claim decisions, and approval decisions are made by the insurance company that issues the policy.

If you have questions about your own policy or application, speak with a licensed insurance professional before you buy, cancel, or change coverage.

Editorial Ethics

Prime Harbor Insurance creates content to help people understand insurance in plain language. We explain what coverage may do, what it may not do, and what a client should ask before applying.

Our content may be authored, edited, reviewed, and approved by licensed insurance professionals. We may use AI tools to help with drafts, outlines, research support, editing, and readability. AI does not replace licensed review.

Insurance companies do not approve, sponsor, or control our educational content. We do not recommend products based on commission.

Read the full editorial ethics disclosure

Compensation Disclosure

Prime Harbor Insurance is an independent insurance agency and brokerage. We are paid by insurance companies when clients buy policies through us.

Clients do not pay Prime Harbor Insurance a separate broker fee, consultation fee, service fee, policy fee, or application fee for our help.

Commissions can vary by insurance company, product, policy type, state, and underwriting facts. Our job is to help clients compare available options based on fit, not based on which company pays the most.

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Licensing Disclosure

Prime Harbor Insurance LLC is licensed as an insurance agency. Licensing helps show that an agency and its producers are allowed to discuss, sell, and service insurance where they are properly licensed and appointed.

A licensed insurance professional can help with options, applications, and service. A licensed professional cannot change policy terms, waive exclusions, set premiums, guarantee approval, or decide claims unless the insurance company gives that authority in writing.

We encourage clients to check license information before sharing personal information or applying for coverage.

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