How we're paid

Prime Harbor Insurance is an independent insurance agency and brokerage. When a client buys a policy through us, the insurance company usually pays our agency a commission.

The client pays the insurance company for the policy. The client does not pay Prime Harbor Insurance a separate broker fee, consultation fee, service fee, policy fee, or application fee.

Commissions vary by insurance company, product, policy type, state, premium amount, underwriting class, and whether the policy is new or renewing.

Other compensation

Insurance companies may offer agencies other pay or support. This can include bonuses, overrides, marketing support, training support, technology support, service support, trips, conferences, or volume and quality incentives.

These items do not remove our duty to help clients compare coverage based on need and fit. They do not let Prime Harbor Insurance change a policy, waive exclusions, set premiums, guarantee approval, or decide claims.

How we manage conflicts

Commission pay can create a concern because an agency is paid when a policy is issued. We take that concern seriously.

Prime Harbor Insurance manages that concern by focusing on the client's needs, coverage fit, clear explanations, and honest applications. We do not recommend a policy just because it pays more.

Our role with clients and insurance companies

Prime Harbor Insurance helps clients understand options, compare available companies, complete applications, and service policies.

During the selection process, our responsibility is to help the client pursue coverage that fits their needs, budget, eligibility, and goals.

Insurance applications must also be truthful and complete. We must follow insurance company rules, respect underwriting, and avoid changing or hiding material facts.

The insurance company controls final approval, pricing, policy issue, claim decisions, renewals, cancellations, and contract terms.

No extra agency fee

Using Prime Harbor Insurance does not add a separate fee from our agency.

Policy premiums, carrier policy fees, state fees, and other insurance-company charges are set and disclosed by the insurance company.

If another company or agency offers a different price, compare the coverage details, not just the premium.