Privacy Policy

At Leavitt Group Enterprises and its affiliated entities, protecting your privacy is important. We want you to understand what information we collect and how we use it. This notice describes our privacy policy. By visiting the website LeavittLink.com, and/or the websites of any of affiliated entities, you are accepting the practices described in this Privacy Notice.

What Information We Collect and From Whom We Collect It

We may collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms;
  • Information about your transactions with us, our affiliates, or others; and
  • Information we receive from non-affiliated third parties, including consumer reporting agencies.

In addition, we may use "cookies" (small text files transferred from our website to your hard drive) to recognize repeat users, track usage, gather personal information, and facilitate your access to and use of the site.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you.

Nonaffiliated Third Parties to Whom Disclosures May Be Made

Information about our customers is an important part of our business, and we are not in the business of selling it to others. We share customer information only as described below and with subsidiaries or affiliates that Leavitt Group Enterprises controls that either are subject to this Privacy Notice or follow practices at least as protective as those described in this Privacy Notice.

We may disclose nonpublic personal information about you, such as we have described above, to insurance companies, general agencies, and other insurance-related entities that perform marketing services on our behalf or with whom we have joint marketing agreements.

We may also disclose nonpublic information about you to non-affiliated third parties as permitted by law, such as when required to do so by a court order or subpoena.

Our Security Procedures

We restrict access to your nonpublic personal information and only allow disclosures to persons and companies as permitted by law to assist in providing products or services to you. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.

Conditions of Use, Notices, and Revisions

If you choose to visit LeavittLink.com and/or the websites of any affiliated entities, your visit and any dispute over privacy is subject to this Notice and our Conditions of Use, including limitations on damages, arbitration of disputes, and application of the law of the state of Utah. If you have any concern about privacy at LeavittLink.com and/or the websites of any affiliated entities, please send us a thorough description to webmaster@leavitt.com, and we will try to resolve it.

Our business changes constantly, and our Privacy Notice and the Conditions of Use will change also. You should check our Web site frequently to see recent changes. Unless stated otherwise, our current Privacy Notice applies to all information that we have about you and your account. We stand behind the promises we make, however, and will never materially change our policies and practices to make them less protective of customer information collected in the past without the consent of affected customers.

Conditions of Use

Welcome to this website, which is sponsored by Leavitt Group Enterprises and/or one of its affiliated entities. This website provides its services to you subject to the following conditions. If you visit this website, you accept these conditions. Please read them carefully.

Privacy

Please review our Privacy Notice, which also governs your visit to this website and affiliated websites, to understand our practices.

Electronic Communications

When you visit either LeavittLink.com or the websites of any of the Leavitt Group affiliated entities, or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Copyright

All content included on this site, such as text, graphics, logos, button icons, audio clips, digital downloads, data compilations, and software, is the property of Leavitt Group Enterprises and its affiliates, or its content suppliers, and is protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of Leavitt Group Enterprises and its affiliates and is protected by United States and international copyright laws. All software used on this site is the property of Leavitt Group Enterprises and its affiliates, or its software suppliers, and is protected by United States and international copyright laws.

Trademarks

Leavitt Group Enterprises, LGE, Leavitt Group Agency Association, LGAA, and other marks, graphics, logos, page headers, button icons, scripts, and service names indicated on our site are trademarks of Leavitt Group Enterprises, its subsidiaries and affiliates, or the site's content providers. These trademarks may not be used in connection with any product or service that is not Leavitt Group Enterprises' or one of its affiliates' in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits Leavitt Group Enterprises, its subsidiaries, or its affiliates. All other trademarks not owned by Leavitt Group Enterprises, its subsidiaries, or its affiliates that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Leavitt Group Enterprises, its subsidiaries, or its affiliates.

License and Site Access

Leavitt Group Enterprises and its affiliated entities grants you a limited license to access and make personal use of this site and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Leavitt Group Enterprises. This license does not include any resale or commercial use of this site or its contents; any collection and use of any product listings, descriptions, or prices; any derivative use of this site or its contents; any downloading or copying of information for the benefit of another merchant; or any use of data mining, robots, or similar data gathering and extraction tools. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without the express written consent of Leavitt Group Enterprises. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Leavitt Group Enterprises, its subsidiaries, or its affiliates without express written consent. You may not use any meta tags or any other "hidden text" utilizing Leavitt Group Enterprises' name, the name of any of its affiliated entities, or trademarks without the express written consent of Leavitt Group Enterprises. Any unauthorized use terminates the permission or license granted by Leavitt Group Enterprises and its affiliates. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of LeavittLink.com and/or its affiliated websites so long as the link does not portray Leavitt Group Enterprises, its subsidiaries, or its affiliates, or their products or services, in a false, misleading, derogatory, or otherwise offensive manner. You may not use any Leavitt Group logo or other proprietary graphic or trademark as part of the link without express written permission.

Reviews, Comments, Communications, and Other Content

Visitors may post reviews, comments, and other content; send e-cards and other communications; and submit suggestions, ideas, comments, questions, or other information, so long as the content is not illegal, obscene, threatening, defamatory, invasive of privacy, infringing of intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam." You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a card or other content. Leavitt Group Enterprises reserves the right (but not the obligation) to remove or edit such content, but does not regularly review posted content.

If you do post content or submit material, and unless we indicate otherwise, you grant Leavitt Group Enterprises, its subsidiaries, and its affiliates a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You grant Leavitt Group Enterprises, its subsidiaries, its affiliates, and its sublicensees the right to use the name that you submit in connection with such content, if they choose. You represent and warrant that you own or otherwise control all of the rights to the content that you post; that the content is accurate; that use of the content you supply does not violate this policy and will not cause injury to any person or entity; and that you will indemnify Leavitt Group Enterprises, its subsidiaries, and its affiliates for all claims resulting from content you supply. Leavitt Group Enterprises has the right, but not the obligation, to monitor and edit or remove any activity or content. Leavitt Group Enterprises and its affiliates take no responsibility, and assume no liability, for any content posted by you or any third party.

Accuracy of Information

Leavitt Group Enterprises, its subsidiaries, and its affiliates attempt to be as accurate as possible. However, neither Leavitt Group Enterprises, its subsidiaries, nor its affiliates warrant that the content of this site is accurate, complete, reliable, current, or error-free.

Disclaimer of Warranties and Limitation of Liability

THIS SITE IS PROVIDED BY LEAVITT GROUP ENTERPRISES AND/OR ONE OF ITS AFFILIATED ENTITIES ON AN "AS IS" AND "AS AVAILABLE" BASIS. LEAVITT GROUP ENTERPRISES AND ITS AFFILIATED ENTITIES MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK.

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, LEAVITT GROUP ENTERPRISES AND ITS AFFILIATES DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. LEAVITT GROUP ENTERPRISES AND ITS AFFILIATES DO NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM LEAVITTLINK.COM OR AFFILIATED WEBSITES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. NEITHER LEAVITT GROUP ENTERPRISES NOR ANY OF ITS AFFILIATED ENTITIES WILL BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Applicable Law

By visiting this website, you agree that the laws of the state of Utah, without regard to principles of conflict of laws, will govern these Conditions of Use and any dispute of any sort that might arise between you and Leavitt Group Enterprises, its subsidiaries, or its affiliates.

Disputes

Any dispute relating in any way to your visit to this website shall be submitted to confidential arbitration in Salt Lake City, Utah, except that, to the extent you have in any manner violated or threatened to violate the intellectual property rights of Leavitt Group Enterprises and/or its affiliated entities, Leavitt Group Enterprises and/or its affiliates may seek injunctive or other appropriate relief in any state or federal court in the state of Utah, and you consent to exclusive jurisdiction and venue in such courts. Arbitration under this agreement shall be conducted under the rules then prevailing of the American Arbitration Association. The arbitrator's award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.

Site Policies, Modification, and Severability

Please review our other policies, such as our Privacy Policy, posted on this site. These policies also govern your visit to LeavittLink.com and its affiliated websites. We reserve the right to make changes to our site, policies, and these Conditions of Use at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.

Nonaffiliated Third Parties to Whom Disclosures May Be Made

Information about our customers is an important part of our business, and we are not in the business of selling it to others. We share customer information only as described below and with subsidiaries that Leavitt Group Enterprises controls that either are subject to this Privacy Notice or follow practices at least as protective as those described in this Privacy Notice.

We may disclose nonpublic personal information about you, such as we have described above, to insurance companies, general agencies, and other insurance-related entities that perform marketing services on our behalf or with whom we have joint marketing agreements.

We may also disclose nonpublic information about you to non-affiliated third parties as permitted by law, such as when required to do so by a court order or subpoena.

Our Security Procedures

We restrict access to your nonpublic personal information and only allow disclosures to persons and companies as permitted by law to assist in providing products or services to you. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.

Conditions of Use, Notices, and Revisions

If you choose to visit LeavittLink.com or the websites of any of its affiliates, your visit and any dispute over privacy is subject to this Notice and our Conditions of Use, including limitations on damages, arbitration of disputes, and application of the law of the state of Utah. If you have any concern about privacy at this website, please send us a thorough description to webmaster@leavitt.com, and we will try to resolve it.

Our business changes constantly, and our Privacy Notice and the Conditions of Use will change also. You should check our Web site frequently to see recent changes. Unless stated otherwise, our current Privacy Notice applies to all information that we have about you and your account. We stand behind the promises we make, however, and will never materially change our policies and practices to make them less protective of customer information collected in the past without the consent of affected customers.

Compensation Disclosure

The Leavitt Group agency with which you do business is part of the American Independent Agency system (Independent Agents), which consists of some 40,000 insurance agencies nationwide. Most small and medium sized businesses in the United States purchase insurance through independent agents. In addition, around 35% of personal insurance in the United States is placed through independent agents.

Each Leavitt Group agency owes duties to and seeks to well serve the insurers we represent, the wholesalers through which we place business, and the agency's employees, shareholders and regulators. In addition, each agency has a duty to be fair, honest and professional in dealing with its customers. We earnestly seek to serve these various duties. We will typically place coverage first with an insurer for which we are agent, and go to the wholesale market as a broker only when coverage cannot be reasonably obtained through one of the companies we represent.

Independent agents represent several, sometimes numerous, insurance companies, none with exactly identical compensation arrangements. We want our clients to understand how we earn our revenue, and the sources of that revenue. We believe this knowledge helps customers make sound insurance buying decisions, and helps assure we have the same expectations and assumptions as do our customers. We will swiftly answer any question you might have as to our agency's compensation on your transaction.

  1. Regular Commissions: Most revenue comes from regular commissions paid on policies placed through the agency. Varying by product and insurer, these commissions range from 5% to 20% of each policy period's premium as to products other than life insurance and surety bonds. Policies with larger premiums tend to have a smaller commission percentage. Policies that are particularly expensive to administer tend to have higher commission rates. Surety bonds typically generate a commission of 20% to 30% of premium. Life insurance commissions vary greatly, but are typically between 55% and 80% of first year's premium, with residuals, if any, of typically 2% in subsequent policy years. This agency's average commission rate on all business it writes for insurers it represents as an agent is approximately 12.5% of total premiums.
  2. Contingent Commissions: Most of the insurers that our agency represents also grant the agency the opportunity to earn an annual contingent commission. Unlike regular commissions, these annual contingent commissions are not tied to a specific policy, but rather are tied to results realized by the insurers we represent on the total business we place with those insurers during the prior year. These contingent commissions are typically based on the agency's collective volume of business with the insurer, and also upon the loss experience (profitability) the insurance carrier had on the business placed by the agency. Essentially, most insurance companies do not pay independent agents their full compensation at the time of sale, but pay part of the compensation only if the agent produces policies which in total are profitable for the insurer. The insurer uses contingent commissions as incentive for independent agents to be honest and accurate in submitting applications for insurance, and skillful in helping the insurer select good risks. Failure to earn a contingent commission is a typical consequence if an agent's business does not meet the insurer's quality or quantity expectations. Our agency has no contingent commission arrangements with insurance companies with which it does not have a direct agency relationship. Also, as is typical in many industries, insurers have incentive based contests where they reward agencies for achieving sales objectives. Typical of these rewards are invitations to the company's sales convention or other incentive trip. Some insurance companies also provide agencies with modest sales support services such as marketing leads, marketing materials, etc.
  3. Policy Fees: In a minority of circumstances, usually with larger or difficult to place risks, insurers provide a policy quote that does not include agent's commissions. In these instances, a separate fee is negotiated with the insured. In such instances, fees are disclosed and itemized on billings to the insured. In some instances, where the commission paid by the insurer is inadequate to cover the cost for the service, a separate disclosed and itemized fee is charged. In such instances, our agency will itemize and disclose the revenue it receives via policy commissions, and that portion it receives via itemized fees. Also, our agency charges and is paid fees for services other than policy placement. These other services include risk management, engineering, or premium financing. Premium financing fees are typically paid directly by the premium finance company. Other such fees are separately itemized and billed to the customer.
  4. Interest and Countersignature Income: In instances where customers pay for insurance policies through the agency (instead of by direct payment to the insurer which issued the policy), the agency may receive a modest amount of income from interest accruing on amounts held for payment to insurers. In addition, the agency charges interest on past-due receivables from these agency-bill customers. In increasingly rare instances, state law requires a resident agent to receive a commission for countersigning a policy issued by an agent from another state.
  5. Other Income: Our agency is a member of Leavitt Group Agency Association (LGAA). LGAA provides a variety of services to its member agencies, such as automation, training, payroll, accounting, and website services. In addition, LGAA owns facilities to assist member agencies in placing insurance coverage on behalf of clients. LGAA owns a premium finance company that assists in the financing of commercial insurance policies issued through member agencies. The profits or losses of LGAA are allocated among member agencies on an equitable basis as outlined in the LGAA Operating Agreement. In addition, some LGAA member agencies own an interest in PacWest Captive Insurance Company (PacWest). PacWest is an Arizona-domiciled reinsurer of selected workers compensation policies issued by The Hartford Insurance Company. The Hartford's standard rate structure applies as to business PacWest reinsures.

Independent agents, including our agency, operate in highly competitive environments. Independent agents and other sellers of insurance compete with each other based on price, product, service, and the financial stability of the underlying insurance carrier. We work hard to serve our customers. We hope that providing this information is helpful. Thank you for your business, and please let us know whenever we can be of service.