We may collect non-public information about you from several sources, including your application for insurance and other forms, transaction records pertaining to your insurance coverage with insurance companies and other agents as you may direct or permit, governmental or independent reporting agencies, and medical information from records of medical professionals.
We use information about you only for the purpose of effecting, administering and servicing insurance applications, insurance policies and processing claims on your behalf. Although we are permitted by law to use our records in our business, WE DO NOT SELL TO OR SHARE YOUR INFORMATION WITH ANYONE OUTSIDE OF FRED C. CHURCH, INC. If we employ any non-affiliated third party to perform any service or function on our behalf, we will require that the entity maintain the confidentiality of your information. We may disclose information about you at your direction or with your consent or as required by law.
Fred C. Church, Inc. is compensated through commissions paid by insurance companies and/or fees paid by our clients. Some property/casualty and employee benefit carriers also offer contingent or profit sharing commissions. These additional commissions are based upon underwriting results and/or the volume of the overall book of business with that carrier. These payments are not guaranteed and have historically amounted to roughly 1 percent of total premiums placed.
Fred C. Church, Inc. recommends insurance carriers to our clients based on cost, coverage, service capability and financial security – not based on our compensation. It has always been our practice to leave the final selection of insurers to the discretion of our clients.