Know someone whose renewal just went up?

Someone you sent who asks us for a quote and says you sent them.

That is the entire test. They do not have to buy anything, they do not have to be a homeowner, and they do not have to live in Bentonville — we are licensed in Arkansas, Oklahoma, Missouri and Texas. A neighbor whose renewal jumped, a friend closing on a house, a contractor who needs a certificate for a job on Monday, a relative with a boat sitting on a policy nobody has looked at in years. All of it counts. What does not count is us cold-calling somebody you mentioned in passing, which we will not do.

They put your name in the quote form, or they say it on the phone.

Both quote forms have a field asking who referred them, and that field is the mechanism — it is what attaches the referral to you. If they call instead, telling whoever answers works just as well and we will note it on the file. The one thing that reliably loses a referral is nobody mentioning it, because a name we never hear is a name we cannot credit. Worth saying in your message: tell them to put your name down.

We say thank you, and there are rules about how.

Insurance is regulated on this point, and Arkansas limits what an agency may give a person in connection with insurance business. So the honest answer is that a thank-you is a thank-you rather than a commission, and anything of value is kept modest enough to stay inside those limits. Ask us what it is currently and you will get a straight answer. The more valuable thing, frankly, is that a referral gets attention: we know where it came from, and nobody wants to be the reason you regret vouching for us.

No. Never have, and we would decline if you offered.

A referral and a review are different things and we keep them apart deliberately. Offering anything of value in exchange for a review — positive or otherwise — is prohibited, and a review that was paid for is worthless to the next person reading it, which defeats the point of having reviews at all. If you want to leave one, we would be glad, and you will get nothing for it but our thanks. Referrals are about connecting somebody to a quote. Reviews are about telling the truth in public. Keeping the two separate protects both.

Yes, and commercial referrals are some of the most useful ones we get.

A contractor being asked for a certificate of insurance, a shop whose landlord changed the lease requirements, an employer trying to work out workers compensation across a state line, a fleet that has grown past what its policy was written for. Send them to the commercial quote form or just tell them to call and describe the operation. Business insurance runs differently from personal — more questions, more moving parts — so a phone call is often the faster route for those.

The same thing that happens to yours, and nothing more.

We use it to prepare a quote and to place coverage if they want it, and it goes to the insurance companies we approach on their behalf. We do not sell it and we do not hand it to unaffiliated companies for their own marketing. One request: send them a link rather than sending us their phone number without asking them first. Nobody enjoys a call they did not ask for, it is the fastest way to make a referral feel like a favor you did us instead of one you did them, and there are rules about contacting people who have not agreed to be contacted. The full detail is in our privacy policy.