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Commission Disclosure

  • None of our three states (Delaware, Maryland and Pennsylvania) require agencies to disclose the amount of commission they receive from carriers, at least under the law.

  • Contractual requirements may apply if producers have agreed, through their agency contract, to disclose their compensation to customers. In our experience, when the provision exists, producers are expected to provide the disclosure upon customer request.

  • When fees are charged, either in lieu of or in addition to commission, different rules apply. To learn proper practices for charging fees, consult Legal Compliance, "Charging and paying fees."

  • Other states may operate differently. One such state, New York, drew considerable attention when it enacted a requirement to disclose all compensation, including commissions.

New York compensation disclosure: Guidance for producers doing business in New York state

This document is not a legal opinion and should not be relied upon as such. The intent of this document is to provide a general background regarding the topic or topics discussed, not to provide legal advice. Producers and agencies should consult an attorney regarding specific situations and specific questions with respect to the topic or topics covered in this document. Neither the Insurance Agents & Brokers nor any of its employees shall be responsible for any errors or omissions regarding any statements made in this document, nor any errors or omissions regarding any statutes, regulations, court rules, and/or any other government documents cited in this document.


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