T&H is committed to transparency and a high level of integrity in all of its business practices - beginning with our compensation. T&H Brokers is compensated in a number of different ways, as are other insurance brokers. It has been a long-standing practice in the insurance industry to directly compensate brokers by paying them a standard commission and, in many cases, contingent commissions. These contingent commissions are usually paid annually. They are contingent upon the happening of some event: for example, a favorable loss ratio for the broker's entire book of business with that insurer, or a certain percentage of premium growth over a previous comparable period of time.