JDW Insurance and its affiliates receive revenue in one or more of the following forms:

• Commissions from insurance companies, excess and surplus lines brokers, wholesalers and similar parties.
• Fees paid by a client in lieu of, or in addition to, commissions.
• Contingent Commissions - Separate from a fee or commission for the sale of insurance policies, we may be eligible for contingent income based upon the size and profitability of all business placed with a particular insurance company. Because it is based on clients’ losses, contingent income is not guaranteed. JDW’s selection of a particular insurance company is not based on any contingency agreements. The firm does not participate with insurance companies in Placement Service Agreements (PSAs).
• Expense allowances from insurance companies for certain advertising, employee education and automation investments.
• Fees for premium financing.

If you have any questions regarding the nature of the compensation paid to JDW Insurance or its affiliates on your account, please contact your agent or the Chief Executive Officer or President of JDW Insurance.