You are a highly valued client, and our firm takes pride in the services we provide to you. Acting as an independent insurance agent, we are able to offer you excellent service and competitive prices because we can access insurance coverage, in most cases, from more than one insurance company. For efforts in writing your business, our agency is compensated primarily by standard commissions. Standard commissions are based on schedules developed by each insurer and are calculated as a percent of the premium. They are not additional separate charges to be paid by you in addition to the premium.