Refund Policy

1. Overview

This Refund Policy applies to all service fees, administrative fees, and any charges collected directly by Long Lake Insurance Agency, LLC (“Company,” “we,” “our,” or “us”) in connection with insurance brokerage, consulting, and administrative services. Please read this Policy carefully before engaging our services.

Please note that insurance premiums paid directly to insurance carriers are subject to the refund and cancellation policies of the respective carrier, not this Policy. Long Lake Insurance Agency, LLC does not collect, hold, or control insurance premiums on behalf of carriers.

2. Service Fees and Administrative Fees

2.1 Types of Fees

Long Lake Insurance Agency, LLC may charge the following types of fees in connection with certain services:

• Policy Placement Fees: Fees charged for the placement of certain specialty or non-standard insurance policies where carrier compensation does not cover the cost of service.
• Consulting Fees: Fees charged for detailed insurance consulting engagements, policy audits, or risk management assessments beyond standard agency services.
• Administrative Processing Fees: Fees for document preparation, policy endorsements, certificates of insurance, or other administrative tasks as disclosed at the time of service.
• Reinstatement Fees: Fees associated with reinstating a lapsed or cancelled policy through the carrier.

2.2 Fee Disclosure

All fees charged by Long Lake Insurance Agency, LLC will be disclosed to you in writing prior to the commencement of services. You will have the opportunity to review and agree to any fees before they are charged. We will never charge undisclosed fees.

3. Non-Refundable Fees

The following fees are generally non-refundable once the corresponding service has been initiated or completed:

• Administrative processing fees for completed document preparation or policy changes
• Consulting fees for completed policy reviews, audits, or written reports delivered to the client
• Policy placement fees where the insurance carrier has bound coverage on your behalf
• Fees for certificates of insurance that have already been issued
• Reinstatement fees where the carrier has reinstated the policy

The rationale for non-refundability in these cases is that the service has been fully rendered and the associated labor, carrier coordination, and administrative costs have been incurred by Long Lake Insurance Agency, LLC.

4. Refund Eligibility

4.1 Eligible Refunds

You may be eligible for a full or partial refund of fees charged by Long Lake Insurance Agency, LLC under the following circumstances:

• A fee was charged in error or as a result of a billing mistake on our part
• A duplicate charge was processed for the same service
• A service was paid for but not yet initiated or delivered, and you have requested cancellation before work commenced
• A consulting engagement was cancelled by Long Lake Insurance Agency, LLC prior to delivery of services

4.2 Partial Refunds

Partial refunds may be issued at our discretion in cases where a service was partially completed at the time of cancellation. The refund amount will be calculated based on the proportion of work not yet completed, less any costs already incurred.

5. Insurance Premium Refunds

Insurance premiums are paid directly to and held by the insurance carrier. Any refund of premium resulting from a policy cancellation, mid-term change, or audit adjustment is processed entirely by the insurance carrier according to their own policies and procedures. Long Lake Insurance Agency, LLC has no control over carrier premium refund timelines or amounts.

Generally, if you cancel a policy before its expiration date, the carrier will issue a pro-rated or short-rate refund of unearned premium directly to the named insured or the premium finance company, as applicable. We will assist you in understanding and navigating the carrier's cancellation and refund process.

6. Cancellation Requests

6.1 Cancelling Agency Services

To cancel a service engagement with Long Lake Insurance Agency, LLC, please contact us in writing at brennan@longlakeinsuranceagencyllc.com or by calling 248-300-4343. Your cancellation request should include your full name, contact information, a description of the service you wish to cancel, and the reason for cancellation.

6.2 Cancelling an Insurance Policy

To cancel an insurance policy, you must notify both Long Lake Insurance Agency, LLC and the insurance carrier directly. Most carriers require a signed cancellation request. We will assist you in preparing and submitting the required documentation. Policy cancellations are subject to the carrier's cancellation terms, which may include minimum earned premium requirements or short-rate penalties.

7. Duplicate Payment Handling

If you believe you have been charged twice for the same service, please contact us immediately at brennan@longlakeinsuranceagencyllc.com or 248-300-4343. We will investigate the duplicate charge within five (5) business days and issue a full refund of any confirmed duplicate payment. Please retain any payment receipts or transaction records to assist in our investigation.

8. Chargeback Policy

We encourage clients to contact us directly to resolve any billing disputes before initiating a chargeback through their bank or credit card issuer. Chargebacks initiated without prior communication may result in the suspension of services and may be contested by Long Lake Insurance Agency, LLC with supporting documentation of services rendered.

If you have a legitimate billing concern, we are committed to resolving it promptly and fairly. Please reach out to us at brennan@longlakeinsuranceagencyllc.com before contacting your financial institution.

9. Refund Review and Processing Timeline

Upon receiving a refund request, Long Lake Insurance Agency, LLC will:

• Acknowledge receipt of your request within two (2) business days
• Complete our review of the request within five (5) business days
• Notify you of our decision in writing

Approved refunds will be processed within five (5) business days of approval. Please note that the actual receipt of funds may take an additional 5–10 business days depending on your payment provider and banking institution.

10. Refund Method

Approved refunds will be returned using the same payment method used for the original transaction, where possible. If the original payment method is no longer available, we will work with you to arrange an alternative refund method. Refunds will not be issued in cash.

11. Disputes and Escalations

If you are dissatisfied with our resolution of a refund request, you may escalate the matter by submitting a written complaint to Long Lake Insurance Agency, LLC. We will assign a senior team member to review your case and provide a final written response within ten (10) business days.

If you believe you have been treated unfairly, you may also contact the Michigan Department of Insurance and Financial Services (DIFS) at www.michigan.gov/difs or by calling 877-999-6442.

12. Policy Updates

Long Lake Insurance Agency, LLC reserves the right to update this Refund Policy at any time. Changes will be posted on our website with a revised effective date. We encourage you to review this Policy periodically. Continued engagement with our services constitutes acceptance of the updated Policy.

13. Contact Us

For all refund requests, billing inquiries, or questions about this Policy, please contact us:

Long Lake Insurance Agency, LLC
40600 Ann Arbor Rd E Ste 201
Plymouth, MI 48170
United States

Phone: 248-300-4343
Email: brennan@longlakeinsuranceagencyllc.com