In addition to the fees and/or commissions received by Neace Lukens for the placement of your insurance coverages, we may also, where allowed by applicable law, receive contingent payments, overrides, bonus commissions, and/or administrative expense reimbursements from some insurers or other third parties. These payments are based on factors which are not client-specific, such as aggregate loss experience, or the size or performance of an overall book of business placed with the insurer.