Refund Policy

Insurance products and services are subject to the terms and conditions of the issuing insurance carrier. Refunds are limited in nature and governed primarily by carrier underwriting guidelines and applicable state insurance regulations. As an independent agency, we facilitate coverage on your behalf but do not issue policies directly.

Refund requests may be considered in the following circumstances:

• Payment Error: A payment was processed in error, including incorrect amounts charged.
• Duplicate Charges: The same transaction was processed more than once for the same service period.
• Policy Cancellation: A policy is cancelled within the carrier's specified free-look or cancellation period, subject to carrier rules and any applicable earned premium.

The following are generally not eligible for refunds:

• Completed insurance policies where coverage has been in force and claims may have been filed.
• Carrier-issued policies that have passed the free-look or cancellation window specified in the policy documents.
• Coverage periods during which the policy was active and providing protection.
• Agency service fees, where applicable, once services have been rendered.
• Policies cancelled after a claim has been filed or paid during the coverage period.

To request a refund, please contact us directly with the following information:

• Your full name and contact information.
• Policy number or transaction reference.
• Date of payment and amount paid.
• Reason for the refund request.

All refund requests are reviewed within 5–10 business days of receipt. We will notify you of our determination and, if approved, coordinate with the applicable carrier or payment processor to issue the refund. Processing times for approved refunds may vary depending on your payment method and financial institution.

In certain circumstances, partial refunds may be issued. This may apply when:

• A policy is cancelled mid-term and a pro-rated unearned premium is returned by the carrier.
• A billing adjustment results in a credit balance on your account.
• A carrier applies a short-rate cancellation penalty, reducing the refundable amount.

Partial refund amounts are determined by the carrier's cancellation terms and applicable state regulations.

Because we work with multiple insurance carriers, refund eligibility and processing may be subject to each carrier's individual policies. We will communicate any carrier-specific requirements or limitations as part of the refund review process.

We reserve the right to modify this Refund Policy at any time. Updates will be posted on this page with a revised effective date. We encourage you to review this policy periodically.

If you have questions about this Refund Policy, please reach out: