Management Statement

 

We recognize our agencies have the responsibility and obligation to both the insurance companies we represent and to our customers to provide consistent quality insurance products at affordable / competitive prices, and to do so using the ethics and standards of true insurance professionals.

 

We recognize we are the recipient of the trust and confidence of the insurance companies we represent, as well as the trust and confidence of our customers. We strive to protect and strengthen this trust and confidence in conducting our day-to-day business activities.

 

Providing proper coverage, consistent with our customers' needs and requests, and prompt fair claim payments are the very basis of and reason for, being in the insurance business. We therefore will work to make the claims process timely, efficient, and fair.

 

Knowing the premiums our customers pay for the insurance product is made up of many underlying costs, including claims costs, legal expenses, and operating costs, and we will continue to work to reduce these costs and strive to be more efficient in an effort to make the insurance product more affordable to our customers.

 

We recognize underwriting the "business" begins with us, the independent insurance agent. If we do the proper underwriting, we will enhance the profitability of producing insurance accounts, which will contribute to the profitability of our insurance carriers. Therefore, we will use sound underwriting practices in writing insurance policies.

 

Properly servicing our customers' insurance accounts means meeting or exceeding their service needs and expectations. This requires both our agencies and our insurance companies to work together to meet acceptable standards regarding timely deliverance of renewal terms, conditions, coverages, and pricing. It also means policies will be issued correctly and on a timely basis. We will work within our agencies and with our insurance companies to establish high standards of excellence in servicing our business.

 

The very nature of, and reason for, insurance is to remove or reduce the chance of economic loss from the uncertainty of the future. We acknowledge the fact both our agencies and our insurance companies must be financially sound in order to properly respond over the long term to our customers' losses and service requirements. We pledge to use sound judgment and proper management techniques in establishing and providing for the long-term financial success of this agency organization.

  

We have a set of Core Values, which guide us in our business activities: We expect our employees to adhere to these core values in their personal conduct and in their work.