Terms & Conditions


Crystal & Company makes no representations about the suitability of the content of this site for any purpose. All content is provided "as is" without any warranty of any kind. Crystal & Company has not made and does not make any warranty of any kind whatever, expressed or implied, with respect to the contents of this site. All implied warranties of merchantability, title, non-infringement and fitness for a particular purpose are hereby disclaimed by Crystal & Company. Crystal & Company will not be liable to anyone with respect to any damages, loss or claim whatsoever, no matter how occasioned, in connection with access to or use of the contents of this site. In no event shall Crystal & Company be liable for any special, indirect, exemplary or consequential damages or any damages whatsoever, including but not limited to loss of use, data or profits, without regard to the form of any action including but not limited to contract or negligence or other tortuous actions, arising out of or in connection with the use, copying or display of the content.

While Crystal & Company believes the content to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors and Crystal & Company does not warrant that the information is accurate or complete or current. It is your responsibility to verify any information before relying on it. At any time and from time to time Crystal & Company may make changes in the products and/or services described herein, however, Crystal & Company makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.

Crystal & Company does not warrant or represent that this site is compatible with your equipment or is free of errors viruses or worms and is not liable for any damage you may suffer as a result of such restrictive features.

Marketing Statement

As an insurance broker representing clients in the marketing and placement of insurance policies, Crystal & Company solicits competitive quotes, analyzes carrier proposals for coverage terms and pricing, compares proposals to expiring policies, and advises clients with respect to carrier financial security and service levels. This information is maintained in one or more of our systems. We present clients with the results of our marketing efforts so that they can make an informed decision in the purchase of insurance.

Compensation Disclosure

Our compensation is earned primarily through commissions paid to us by insurers and calculated as a percentage of the premium the insurer receives for policies placed on behalf of our clients. Commissions differ by line of coverage and by insurer. Intermediaries, such as wholesale brokers, may sometimes be used to access certain programs, facilities, or insurers, in which case such intermediaries will allocate a portion of the compensation they receive to us. Endorsement requests and other policy changes may affect the amount of premium paid during the term of a policy, in which case the amount of compensation paid to us by the insurance company or intermediary may change accordingly.

In certain circumstances, Crystal & Company may enter into agreements with clients to receive separate fees for the provision of specified insurance or insurance related services. These fees may be in lieu of or in addition to commissions, depending on the client. Fees received in connection with the placement of insurance are always outlined in writing and agreed to by the client before the insurance is placed. We sometimes receive fees from third-parties in connection with services other than the placement of insurance, such as investment income on premiums, claim payments and return premiums temporarily held as fiduciary funds.

In certain segments of our business, some of our compensation may be derived from supplemental or bonus commissions paid by insurers or intermediaries based on criteria designed by the insurer or intermediary, to value all the policies that we place with it in a particular period. To receive a statement detailing all commissions and/or fees received from insurance companies, intermediaries or third-party service providers while acting on the client's behalf in the placement of insurance coverage, please send a written request to:

Crystal & Company
Attention: Controller
32 Old Slip
New York, NY 10005
Or, via email, to corporatecontroller@crystalco.com

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