Payak-Dubbs Insurance is compensated through commissions paid by insurance companies or through fees paid by our clients. In certain cases, when appropriate, we receive both forms of compensation.

Payak-Dubbs also has profit sharing agreements with some of our property & casualty and employee benefit carriers. These agreements provide additional payments based upon several factors including the business volume, growth, retention, and underwriting results of the total business we place with a company. They are not related to the business of an individual client.

Contingency payments are not guaranteed. Historically, they amount to about one-half of one percent of total premium volume.

The long-standing policy of Payak-Dubbs Insurance is to put the best interest of our clients first. We recommend specific coverages and companies based on our clients' individual needs. Our recommendations are never based on the existence of contingency agreements.