Compensation Disclosure

At First Underwriters Insurance Brokers, transparency and trust are the cornerstones of our relationship with clients. We believe it is essential for our clients to understand how we are compensated and how that relates to the services we provide. This disclosure aims to clarify the nature of our compensation and reaffirm our commitment to serving your best interests.

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How We Are Compensated

  1. Commission-Based Compensation:
    The majority of our compensation comes in the form of commissions paid by the insurance carriers. These commissions are a percentage of the premium that you, the client, pay for your insurance policy. The percentage can vary depending on the type of insurance, the carrier, and the specific policy terms. Commissions are paid to us by the insurer as long as you maintain your policy, without additional cost to you.
  2. Fee-Based Services:
    In some cases, we may provide services for a fee rather than a commission. This arrangement is typical for more complex insurance solutions where a more consultative approach is required. Any fee-based services will be discussed and agreed upon in advance, ensuring transparency and alignment with your expectations.
  3. Additional Compensation:
    We may receive additional compensation from insurers based on the volume and profitability of the business we place with them. This compensation, known as contingent commissions or profit-sharing, is not directly tied to individual policies but rather to the aggregate performance of the policies we have placed with the insurer. It is important to note that this does not influence our commitment to placing your needs first and providing you with the best possible insurance solutions.


Our Commitment to You

  • Acting in Your Best Interest:
    Our primary goal is to serve your best interests. We are committed to providing you with insurance solutions that meet your needs and budget. Our recommendations are based on a thorough assessment of your requirements, not on the compensation we might receive.
  • Transparency and Disclosure:
    We believe in full transparency and are committed to providing clear and concise information about our compensation. Should you have any questions about how we are compensated or wish to discuss our fees in more detail, we encourage you to contact us.
  • Choice and Flexibility:
    We represent a wide range of insurance carriers, which allows us to offer you a variety of insurance options. Our approach is to provide you with choices and recommendations that align with your specific needs, giving you the flexibility to make informed decisions about your insurance coverage.
  • Ongoing Support and Service:
    Our relationship with you does not end once you purchase a policy. We provide ongoing support and service, assisting with claims, answering questions, and reviewing your coverage to ensure it continues to meet your needs over time.



At First Underwriters Insurance Brokers, we are dedicated to building lasting relationships based on trust, integrity, and transparency. Understanding our compensation is part of ensuring that you feel confident and informed in your decisions about your insurance coverage. We are here to serve as your trusted advisors, always putting your interests first and striving to provide the highest level of service and support.

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