|IMAGE Financial does not actively pursue or participate
in carrier override programs. At times, carriers may communicate various promotions, incentives
and awards programs that they may be offering to all of their producing agents/brokers.
Carrier recommendations to our clients are never made by our personnel based on our
compensation from a particular carrier. Our approach is to provide your firm with the best
coverage and cost available to you by a financially sound, service oriented insurance company.
There are instances when a "broker fee" may be added to our proposal due to reduced
commission schedules by a carrier (based on certain market conditions, carriers will
reduce broker/agent compensation at their discretion). Property and liability coverages
are more susceptible to these reductions.
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