Refund Policy

Insurance Policy Payments

Insurance premiums are generally governed by the terms and conditions established by the insurance carrier providing the policy.

Refund eligibility may vary depending on:

• Carrier rules and guidelines
• Policy type and coverage
• Cancellation timing
• Applicable state regulations

Policy Cancellations

Policyholders may request cancellation according to carrier requirements. Cancellation requests may require:

• Written notice submitted to the agency
• Signed cancellation documentation
• Verification of identity

Pro-Rated Refunds

Where applicable, refunds may be issued on a pro-rated basis depending on unused coverage periods. Some carriers may charge:

• Administrative fees
• Short-rate cancellation penalties
• Processing fees

Non-Refundable Fees

Agency service fees, administrative costs, and certain processing charges may be non-refundable where permitted by applicable law. Please contact our office for specific fee information related to your policy.

Refund Processing Times

Approved refunds may require several business days depending on:

• Carrier processing timelines
• Banking institutions
• Payment providers

Disputed Charges

Customers who believe a billing error has occurred should contact us promptly for assistance. We will work diligently to investigate and resolve any legitimate billing disputes in a timely manner.

No Guarantee of Refunds

Refund approval is subject to policy terms, carrier requirements, and applicable regulations. Submission of a refund request does not guarantee that a refund will be issued. We encourage all clients to review their policy documents carefully before purchasing coverage.