ENV Code of Ethics

The Code of Ethics applies to all business transactions, without regard to the product category or the means by which the purchase of a product or service is transacted.

1. Clients Interests

Your ENV Agent shall place the interest of his/her clients ahead of all other interests.

2. Client Needs

Before giving advice or making recommendations, your ENV Agent shall make a diligent effort to learn the client’s needs, objectives and circumstances, and to then offer products or services to fulfill them.

3. Legitimacy Of Transaction

Your ENV Agent must uphold all laws and regulations relating to the Agency’s activities.

4. Professionalism Of Agent

Your ENV Agent must be licensed for product representation as required in the state(s) for which he/she conducts business.  He/she should possess and appropriate level of knowledge and experience relating to his/her particular business.  Your ENV Agent must strive to meet all regulatory requirements for professional liability insurance, errors and omissions insurance, as well as fiduciary requirements.

5. Disclosure of Agent Information

Your ENV Agent must not misrepresent his/her education, qualifications or experience, and should ensure that all reference as to his/her business activities, services and products are clear, descriptive and not misleading.

6. Confidentiality

All individual and census information is confidential and treated as such by your ENV Agent.  All client records are stored in a secure location.

7. Compensation

The ENV Insurance Agency, LLC will be compensated by any of the chosen insurance companies represented in our proposals.  All rates and benefits are approved by each of the carriers and not adjusted or amended by the ENV Insurance Agency, LLC or any of its representatives without the consent of the insurance carrier.  The insurance carrier proposals are for illustrative purposes only and do not constitute a contract or guarantee of coverage.  All rates are based upon final census and acceptance by the chosen carrier.  The ENV Insurance Agency, LLC may be additionally compensated based on ENV’s marketing and distribution activities, persistency levels, and/or volume of business sold for any of the represented insurance carriers during a given calendar year.

8. Behavior

Your ENV Agent must act in good faith at all times, and meet high standards of professional ethics, including: acting with honesty, integrity, fairness, due diligence and skill.