As an A. E. Barnes Insurance Agency client you have the right to know…..

• We operate as an independent agent or broker; we are not a paid employee(s) of the insurance company.
  
  
• That A. E. Barnes Insurance Agency, like other insurance agents, represents insurance companies and may be paid a commission by insurance companies for selling insurance to clients.
  
  
• Commissions are built into the cost of the insurance.
  
  
• Like other agents, sometimes we may be paid additional amounts by insurance companies based on other factors, such as loss ratio, number of policies we write, and premium volume.
  
  
• We, like other insurance agents, may receive compensation for placing insurance from other intermediaries, such as wholesalers, which may or may not be affiliated with A. E. Barnes. Compensation is in the form of either commissions or fees.
  
  
• Insurance companies with which you may be placed may offer incentives and rewards to A. E. Barnes.