Licensing & Regulatory Information

Schad Agency, Inc. | Effective Date: July 9, 2026

1. Agency Information

Schad Agency, Inc. is a Colorado-based independent insurance agency with its principal office at 433 Summit Blvd Unit 101, Broomfield, Colorado 80021. We provide insurance products and services in multiple states where we are properly licensed or otherwise authorized to transact business.

2. Licensing

Insurance licensing requirements vary by state. Schad Agency offers insurance products only in states where it, its producers, or applicable representatives are licensed or otherwise authorized. Availability of products, coverages, carriers, limits, deductibles, and services may vary by state and by individual risk.

Nothing on the Website is intended to solicit insurance in any jurisdiction where such solicitation would be unlawful. If you contact us from a state where we are not licensed or where a requested product is unavailable, we may be unable to provide insurance services or may refer you to another appropriately licensed professional.

3. Carrier and Product Availability

Schad Agency represents or has access to various insurance carriers, wholesalers, managing general agents, program administrators, and insurance markets. Not all carriers or products are available in every state or for every customer. Carrier appointments, underwriting appetite, eligibility rules, pricing, coverage terms, deductibles, and availability may change without notice.

4. Admitted and Non-Admitted Insurance

Some insurance products may be placed with admitted insurers, while others may be placed with non-admitted or surplus lines insurers where permitted by law. Non-admitted insurance may not be protected by state guaranty funds and may be subject to surplus lines taxes, fees, forms, or regulatory requirements. If non-admitted coverage is proposed, applicable disclosures will be provided as required by law.

5. Quotes, Applications, and Underwriting

Insurance quotes are based on information available at the time of quoting and are subject to underwriting review, carrier approval, inspections, signed applications, loss history, eligibility requirements, payment, and other conditions. Misstatements, omissions, or changes in information may affect premium, eligibility, coverage, or claim handling.

6. Coverage Determination

Coverage is determined solely by the policy issued by the insurance carrier, including declarations, forms, endorsements, definitions, conditions, exclusions, and applicable law. Website summaries, proposals, comparisons, articles, or educational content are not insurance policies and do not amend or replace policy language.

7. Claims

Claim reporting and handling are governed by the applicable insurance policy and carrier procedures. If you experience a loss, review your policy and promptly contact the insurance carrier and Schad Agency. Urgent claims should be reported directly to the carrier where required or appropriate.

8. Certificates and Evidence of Insurance

Certificates of insurance and evidence of insurance are provided for informational purposes and do not amend, extend, or alter the coverage provided by the policy. Requests are subject to policy terms, carrier rules, agency authority, and business hours.

9. Regulatory Questions and Complaints

Customers may contact Schad Agency directly with questions or concerns. You may also contact the insurance department or regulatory authority in your state regarding insurance-related issues. Regulatory contact information varies by state.

10. Contact

Schad Agency, Inc.
433 Summit Blvd Unit 101
Broomfield, Colorado 80021
Phone: (303) 661-0083
Email: info@schadins.com
Website: www.schadins.com