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Compensation Disclosure

Thank you for trusting The NSA Group with your insurance needs. Our first priority will be finding the most appropriate insurance coverage for you at a reasonable cost. We are an Independent Insurance Agent, which means we have the ability to place insurance with a variety of companies, resulting in the best combination of coverage, price and service for your unique situation.

In order to find the most appropriate coverage for you, our agency may also act as a “broker” when securing your coverage. In a “broker” relationship we do not have an agency contract with a particular insurance company but we are able to place coverage on your behalf.

Our agency is compensated on a commission basis by the insurance company that writes your insurance, whether we are acting as an “agent” or a “broker”. This commission percentage is set by the company, not by us, and is included as a part of the insurance premium you pay. At times there could be a situation where we do not receive any commission or the commission is very low from that Insurance Company, we then ask you to sign a service agreement for an additional service fee.

Our agency’s compensation might also include incentives in addition to standard commissions. This compensation is known as “profit sharing” and is paid at year-end, based on a combination of business written, profitability, and retention throughout the year. We do not know if we will be receiving this additional compensation at the time an individual policy is written. These agreements have been approved by the State Insurance Departments and if a payment is generated, the costs are not passed on to you.

We want to assure you that, regardless, our first priority remains meeting your insurance needs to your satisfaction. Our Agency is delighted to have you as a client and welcome any suggestions that you have to assist us in serving you better. If you have any further questions, please feel free to contact us.