Refund Policy

Insurance Premium Payments

Insurance premiums are governed by the terms established by the insurance carrier underwriting the policy. McCaffrey Insurance Agency, LLC acts as an independent broker and does not directly control carrier billing or premium structures.

Refund Eligibility

Refund eligibility may vary depending on:

• Policy type
• Carrier requirements
• State regulations
• Cancellation timing

Policy Cancellations

Policyholders may request cancellation according to carrier procedures and applicable insurance regulations. Cancellation requests may require:

• Written authorization
• Signed documentation
• Identity verification

Pro-Rated Refunds

Where applicable, refunds may be issued on a pro-rated basis for unused policy periods. The specific calculation method is determined by the insurance carrier and applicable state regulations.

Non-Refundable Fees

Administrative fees, processing fees, and certain agency service charges may be non-refundable where permitted by applicable law and carrier agreements.

Refund Processing

Approved refunds may require several business days to process, depending on insurance carriers, banking institutions, and payment processors involved. McCaffrey Insurance Agency, LLC will work to facilitate timely processing on your behalf.

Billing Questions

Customers should contact our office promptly regarding billing concerns, disputed charges, or questions about premium payments. Early communication allows us to resolve issues more effectively.

No Guarantee of Refunds

Refund approvals remain subject to insurance carrier policies, signed policy agreements, and applicable state and federal laws. McCaffrey Insurance Agency, LLC cannot guarantee refund approval on behalf of insurance carriers.