Effective Date: August, 21, 2025
We are not an insurance company. We help contractors connect with licensed insurance brokers/agencies and carriers. Coverage decisions, quotes, and policies are provided solely by those licensed parties.
Pilcher Advisors LLC acts as a finder that, with your authorization, transmits your information to one or more licensed Broker Partners with whom we have written agreements. We do not advise you on specific coverage terms or negotiate policies on your behalf. Brokers and carriers make all coverage and pricing decisions.
We may receive fees from Broker Partners for referrals, qualified leads, or successful placements. Any such compensation is not an additional charge to you and does not affect coverage terms or premiums quoted by carriers. If operating as a producer/agency, fees and/or commissions will be disclosed as required by law.
Products, brokers, and carriers may not be available in all states. Coverage types, limits, and underwriting timelines are determined solely by brokers and carriers.