Notices

Content

Frank Crystal & Co., Inc. ("Frank Crystal") 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.

Frank Crystal has not made and does not make any warranty of any kind whatever, express or implied, with respect to the contents of this site; and all implied warranties of merchantability, title, non-infringement and fitness for a particular purpose are hereby disclaimed by Frank Crystal. Frank Crystal 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 FrankCrystal 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 Frank Crystal believes the content to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors and Frank Crystal 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 Frank Crystal may make changes in the products and/or services described herein, however, Frank Crystal makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.

Frank Crystal 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.

Consumer Privacy Notice

Frank Crystal has always made it a priority to maintain the confidentiality of the information it receives from its clients.  This Privacy Notice explains Frank Crystal’s policy regarding non-public, personal information that is collected by Frank Crystal in the course of placing insurance on behalf of its clients.

The firm’s Privacy Policy is as follows: 

• Frank Crystal may disclose all or part of a client’s personal financial information as permitted by law to non-affiliated third parties solely for purposes of servicing or processing an insurance product or service that such consumer requests or authorizes, or to solicit insurance quotations on behalf of a consumer.

• Frank Crystal maintains physical, electronic, and procedural safeguards that comply with federal and state regulations to guard non-public, personal financial information.

• For its own internal use only, Frank Crystal may obtain information concerning non-public, personal financial information, for example, name, address, assets, date of birth, driver license number (for automobile insurance) and information concerning policy coverage(s) and premium(s).

Frank Crystal reserves the right to amend, modify or supplement this Privacy Policy at any time in accordance with applicable laws and regulations.  If changes are made to the Privacy Policy the firm will provide copies of such changes to clients as required by applicable laws. 

Statement on our Compensation and Marketing Practices

As an insurance broker representing clients in the marketing and placement of insurance policies, Frank Crystal 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. We present clients with the results of our marketing efforts so that they can make an informed decision in the purchase of insurance.

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 segments of our business, some of our compensation may derive 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.

In certain circumstances, Frank Crystal may enter into agreements with clients to receive separate fees for the provision of specified insurance services. 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.

To Request Additional Information
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 coverages, please send a written request to:

Frank Crystal & Co., Inc.
Attention: Premium Accounting Department
32 Old Slip
New York, NY 10005

Or, via email, to This e-mail address is being protected from spambots. You need JavaScript enabled to view it