Agent or broker commissions are customarily paid by the insurance carrier as a percentage of the premium. In addition to compensation received for such services, the brokerage firm, or a related entity, may also receive interest on fiduciary funds and compensation for additional services provided to either the client or the insurance carrier. To the extent such compensation exists, it is included in the cost of the insurance offering, unless disclosed otherwise. Additional services could include, but are not limited to: underwriting services, program administration services, loss control services, appraisal services, claims management, and other services provided to either the client or the insurance carrier. While these services are generally included in the cost of the insurance offering, any services contracted for by the client directly will be invoiced accordingly.
With exception the brokerage firm may also receive income as a result of contingent income1 or supplemental income2 agreements with insurance carriers, which may include income specifically received for reinvestment in the brokerage’s internal training, external marketing, technology enhancement, and other related items. Exceptions are as follows:
Any client may "opt out" of having the premiums associated with their placements included in any contingent income and/or supplemental agreement that Alliant may enter into.
The “opt out” form is available by clicking the “opt out” link. The “opt out” provision applies only to those accounts served directly by Alliant as a retail agent or broker. It does not apply to account placements wherein Alliant’s role is that of a wholesaler, MGA, or program administrator working with non-Alliant brokers who represent the client. This information, along with a reply to any other questions on the compensation aspects of a client’s placement, is also available upon written request directed to:
Alliant Insurance Services, Inc.
Attention General Counsel
701 B Street, 6th Floor
San Diego, CA 92101
1In general, “contingent income” means additional compensation received from any insurer that is contingent upon the insurance broker: (a) placing a particular number of policies or dollar value of premium with the insurer, (b) achieving a particular level of growth in the number of policies placed or dollar value of premium with the insurer, (c) meeting a particular rate of retention or renewal of policies in force or dollar volume of premium with the insurer, or (d) placing or keeping sufficient insurance business with the insurer to achieve a particular loss ratio or any other measure of profitability.
2In general, “supplemental income” means additional compensation received from any insurer for eligible classes of business based upon a prior year’s results that is not contingent upon the “contingent income” criteria identified in footnote 1.
Code of Ethics & Compliance
Alliant is committed to conducting its business in adherence to all legal requirements established by the states and territories in which it provides services and products. Alliant takes pride in maintaining the highest ethical standards and industry best practices. To this end, Alliant places the best interests of its clients as paramount to any other concerns involved in the placement of insurance services and products. Specifically, Alliant:
- Abides by its ethical obligations to deliver honest, competitive, and meaningful service and advice on the placement of any insurance products, services, or coverages, and strives to provide access to an open, fair, and competitive insurance market place;
- Exercises due diligence in making full and complete disclosures of all quotes and declinations from all markets contacted for each specific line of coverage, including the date and time of contact, the name, address, phone number, and to the extent available, email address of the individual contact for each market;
- Makes every good faith effort to avoid even the appearance of a conflict of interest between Alliant, its clients, and/or any provider of any insurance products or services, and promptly notifies clients of any real or potential conflict; and
- Takes reasonable steps to ensure that any available commission rates are provided to its clients upon request, including the identification of the appropriate contact sources from which to obtain commission rate information on the insurance policies issued.
Terms & Conditions
The following terms and conditions (“Terms and Conditions”) govern use of this website (www.alliant.com) and any Alliant supported website and the content therein, including mobile applications (collectively the “Alliant Websites”). USE OF ALLIANT WEBSITES CONSTITUTES ACCEPTANCE OF THESE TERMS AND CONDITIONS. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, YOU SHOULD IMMEDIATELY CEASE USE OF ALLIANT WEBSITES.
The Alliant Websites present information and content that is owned or licensed by Alliant Insurance Services, Inc., its parents, subsidiaries, and affiliates (collectively, “Alliant”). When used in these Terms and Conditions, “we” and “our” mean Alliant and “you” and “your” refers to any individual or entity that accesses or otherwise uses the Alliant Websites.
These Terms and Conditions apply only to use of the Alliant Websites and do not modify any other agreement or contract that may exist between you and Alliant (“Other Agreements”). In the event of any conflict between these Terms and Conditions and such Other Agreements, the Other Agreements govern and control.
DO NOT RELY ON THIS WEBSITE FOR YOUR FINANCIAL OR LEGAL DECISIONS
Content published on Alliant Websites is for informational purposes only. Consult your financial and legal advisors, and independently verify all information whenever making any financial decision. Nothing on the Alliant Websites should be construed as rendering tax, legal, investment, insurance, or accounting advice, nor should it be construed to bind coverage, unless otherwise expressly stated. Insureds should consult with their insurance advisors with regard to specific coverage issues.
SCOPE OF USE
Use of the Alliant Websites to perform or participate in any illegal activity is prohibited.
You further agree that you are solely responsible for (and that Alliant has no responsibility to you or to any third party for) any content that you create, transmit, or display while using the Alliant Websites or services. You likewise agree that you are responsible for the consequences of your actions (including any loss that Alliant may suffer).
PROHIBITED EMAILS; POSTS ON ALLIANT-SUPPORTED FORMS OR BLOGS, ETC.
Alliant’s email system is a private email system. Numerous or bulk unsolicited commercial email messages are prohibited. Emails intended to, or appearing to be intended to, harass, embarrass, threaten, defame, or impersonate any person or containing pornographic, offensive, indecent, or discriminatory matter is prohibited.
You agree not to access (or attempt to access) any of the Alliant Websites or services by any means other than through the interface that is provided by Alliant, unless you have been specifically allowed to do so in a separate written agreement with Alliant. You specifically agree not to access (or attempt to access) any of the Alliant Websites or services through any automated means (including the use of scripts or web crawlers).
SECURE AREAS; PASSWORDS
Portions of Alliant Websites are restricted and require authorization for access. Unauthorized use of or access to such areas is prohibited. If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE.
Alliant is entitled to act on instructions received under your password. Change your password immediately if you know or suspect that it has been compromised. If you suspect any unauthorized activity related to your account, you should contact Alliant immediately. Alliant will not be liable for any unauthorized access to your personal information that is (i) not the direct result of Alliant’s intentional or negligent conduct, or (ii) the result of your failure to properly secure your password, or (iii) the result of your sharing your password with anyone else. Alliant may block access to secure areas without prior notice if Alliant believes that your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred, or may occur, or for other reasons.
OWNERSHIP AND USE OF CONTENT
Except as may be otherwise provided by applicable law or written agreement with Alliant, all information and content on the Alliant Websites, including, but not limited to, all text, analyses, reports, articles, graphics, software applications, video and audio files, photos, trademarks, service marks and trade dress is owned or licensed by Alliant. The content is protected worldwide by applicable intellectual property laws. Unless you have agreed otherwise in writing with Alliant, nothing in these Terms and Conditions gives you a right to use any of Alliant’s trade names, trademarks, service marks, logos, domain names, and other distinctive brand features. You may, however, make and use printouts of the content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark, and other proprietary notices. Alliant reserves the right to terminate, at any time, your right to make personal copies of content. You may not copy, transmit, distribute, modify, publicly perform, reuse, sell, or display any of the content for any public or commercial purpose except with the prior written consent of Alliant or the owners of the materials, which they may issue in their sole discretion. In addition, you may not use the content in any other website or in a network computer environment, including framing the content within another website. Except for the limited use rights expressly provided in this paragraph, all rights in content are reserved.
If you have been given an explicit right to use any of these brand features in a separate written agreement with Alliant, then you agree that your use of such features shall be in compliance with that agreement, any applicable provisions of these Terms and Conditions, and any other applicable Alliant policies that it may publish from time to time.
Alliant gives you a personal, worldwide, royalty-free, non-assignable, and non-exclusive license to use the Alliant Websites, and software or services provided thereby. This license is for the sole purpose of enabling you to use and enjoy the benefit of the Alliant Websites, software, or services, in the manner permitted by these Terms and Conditions.
You may not (and you may not permit anyone else) to copy, modify, create a derivative work of, reverse engineer, decompile, or otherwise attempt to extract the source code of any software or program, unless expressly permitted or required by applicable law, or unless Alliant specifically authorizes such activity in writing.
SUBMISSIONS MADE TO ALLIANT
You may be required to provide information about yourself (such as identification or contact details) as part of the registration process for access to certain portions of the Alliant Websites and the services provided. You agree that any registration information you give to Alliant will always be accurate, correct, and up-to-date.
By providing information or materials to the Alliant Websites (other than personal information subject to Alliant’s Privacy Statement, http://www.alliantinsurance.com/Privacy.aspx), you grant to Alliant an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, and transmit such information and materials for any purpose, including without limitation, disclosing any such information and materials as necessary to satisfy any law, regulation, or governmental request. In addition, Alliant is free to use any ideas, concepts, know-how, or techniques that you may submit to Alliant through the Alliant Websites for any purpose, including, but not limited to, improving our services. Alliant shall not be subject to any obligations of confidentiality regarding the information or materials that you submit except as specified in Alliant’s Privacy Statement, as set forth in Other Agreements, or as otherwise required by law. Although Alliant will make reasonable efforts to protect and secure the personal information it receives, you should remember that email submissions over the internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before emailing or electronically submitting any personal or confidential information. Alliant recommends that you encrypt personal or confidential information before submitting it over the internet.
You further acknowledge and agree that while Alliant may not currently have set a fixed upper limit on the number of transmissions you may send or receive through the Alliant Websites (or services provided thereby) or on the amount of storage space used for the provision of any service, Alliant reserves the right to fix upper limits at any time and in its sole discretion.
JURISDICTIONAL STATEMENT; UNITED STATES ONLY
The services and products described and information provided through the Alliant Websites are directed to and are intended to be made available only to persons in the United States and are not intended for distribution to, or use by, any person in any other country or any jurisdiction where such distribution or use would be contrary to law or regulation or that would subject Alliant to any registration requirement within such jurisdiction or country. Software and other materials from the Alliant Websites may be subject to export controls imposed by the United States and may not be downloaded or otherwise exported to any country or anyone prohibited by law. Alliant prohibits your downloading or exporting of software or other material from the Alliant Websites in violation of U.S. Export Laws and/or the laws of your resident country. By downloading software or other material from the Alliant Websites, you represent and warrant that you are able to do so in full compliance with all applicable laws.
We strive to provide accurate and up-to-date material on the Alliant Websites. Alliant and its licensors make no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors or inaccuracies. YOUR USE OF THE ALLIANT WEBSITES AND CONTENT IS AT YOUR OWN RISK. Alliant assumes no responsibility to keep content current or to correct inaccuracies or errors in content. The content published on the Alliant Websites and the operation of these sites are provided “as is” and for informational purposes only, and Alliant disclaims all representations or warranties of any kind, either express or implied, including warranties of merchantability, fitness for particular purpose, title, non-infringement, accuracy, completeness, and timeliness. Some jurisdictions may not permit certain disclaimers of warranties. In such case, Alliant disclaims warranties to the fullest extent permitted by the applicable law.
YOUR RESPONSIBILITY FOR SECURITY
Alliant does not warrant that the Alliant Websites will operate error-free or are free from viruses, worms, Trojan horses, or other destructive or harmful code. Alliant assumes no liability or responsibility for any damages to you, your computer, or other property due to your access to, use of, or downloading of content from the Alliant Websites. If you download or copy content from the Alliant Websites, you are responsible for taking all reasonable precautions necessary to ensure the security and integrity of your computer and systems, including employing current virus protection software.
Links from the Alliant Websites to a non-Alliant site may be provided for users’ convenience only. Alliant does not control or review these sites nor does the provision of any link imply an endorsement or association of such non-Alliant sites. Alliant is not responsible for and makes no representation or warranty regarding the contents, completeness or accuracy, or security of any materials on such sites. If you decide to access such non-Alliant sites, you do so at your own risk.
LIMITATION OF LIABILITY
In no event shall Alliant or any other party involved in creating, producing, or delivering the Alliant Websites or content on Alliant’s behalf be liable for any direct, incidental, special, consequential, indirect, lost profits, loss of business or data, or punitive damages arising out of your access to, or use of, or inability to access or use, the Alliant Websites, or any content, or the performance of any product thereon, even if Alliant is expressly advised of the possibility of such damages.
Alliant reserves the right to change the content on the Alliant Websites and services provided, including these Terms and Conditions, from time to time without prior notice. The changes may include superseding terms and conditions, specific notices, or the discontinuation or disabling of any service, program, website, or mobile application. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS PERIODICALLY TO BE AWARE OF ANY CHANGES THAT ARE MADE. Your continued use of the Alliant Websites constitutes your acceptance of any change or update, all of which shall become controlling when posted.
These Terms and Conditions shall be governed by, and construed in accordance with, the laws of the United States and the State of California, without giving effect to conflict of law principles thereof.
RESERVATION OF RIGHTS
Alliant reserves the right to seek all remedies available at law and in equity for violations of these Terms and Conditions, including the right to block access from a particular internet address. Alliant does not intend to market any products or services to children and does not knowingly collect personal information from them. By using the Alliant Websites, you represent that you are at least 18 years old. If you are under 18 years old, do not use the Alliant Websites.
If any provision of these Terms and Conditions is held invalid, void, or unenforceable, then that provision will be considered severable and the remaining provisions shall remain in full force and effect.