Our Philosophy

Our Philosophy

H&N’s philosophy and approach to client servicing is based on the Independent Insurance Agents of America Code of Ethics.

We believe in the value and importance of the insurance business and its future, and that as an Independent Insurance Agent we play a critical role in serving consumers throughout the insurance process. We support the Independent Agency System, which has developed insurance to be a fundamental component in the economic fabric of our nation. And we support right principles and oppose bad practices in the insurance business.

We respect the importance of the relationship between H&N and the public, insurance companies, and other Independent Insurance Agents, and believe that the rights of the client are paramount. At H&N we believe that serving the public as an Independent Insurance Agent is an honorable occupation, affording our agency a special opportunity to serve society and offer valuable insurance products and services to the public.

We also believe that as an Independent Insurance Agent, we are serving the interests of our clients by responding to their expressed insurance needs. And we strive to further the public’s understanding of insurance, endeavor to promote safety and loss control in our community, and strive to participate in civic and philanthropic activities that contribute to our community.

We respect the authority vested in our agency by the insurance companies we represent, and work to maintain open lines of communication with them. In addition, we strive to maintain positive relations with other insurance agencies in our community, competing with them on an honorable and fair basis.

Lastly, we follow all insurance laws relative to the conduct of our business. And work with other Independent Insurance Agents for the betterment of the insurance business.

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