Refund Policy

St Insurance Agency, Inc. values transparency regarding premium payments, billing procedures, cancellations, and refund processing. This policy outlines how refunds and cancellations are handled in connection with insurance services.

1. Insurance Premium Payments

Insurance premium payments are governed by the terms established by the insurance carrier underwriting the specific policy. St Insurance Agency, Inc. acts as a licensed insurance broker and does not directly control carrier billing, payment processing, or refund determinations.

2. Refund Eligibility

Refund eligibility may vary depending on:

• The type of insurance policy involved
• Individual carrier requirements and billing terms
• Applicable Massachusetts state insurance regulations
• The timing of the cancellation request relative to the policy effective date
• Whether any claims have been filed under the policy

3. Policy Cancellations

Policyholders may request cancellation of their insurance policy according to the procedures established by their insurance carrier and applicable Massachusetts insurance regulations.

Cancellation requests may require:

• Written authorization from the named insured
• Signed cancellation documentation
• Identity verification
• Submission of the original policy documents in some cases

Please contact St Insurance Agency, Inc. directly to initiate a cancellation request. We will coordinate with your carrier on your behalf.

4. Pro-Rated Refunds

Where applicable under carrier policies and state regulations, refunds may be issued on a pro-rated basis for unused premium periods. The pro-rated amount is typically calculated from the cancellation effective date through the original policy expiration date.

Short-rate cancellations, where applicable, may result in a refund less than the full pro-rated amount. Your agent will explain the applicable method for your specific policy.

5. Non-Refundable Fees

Administrative fees, policy processing fees, and certain agency service charges may be non-refundable where permitted by applicable Massachusetts law and carrier agreements. Any non-refundable fees will be disclosed at the time of policy issuance.

6. Refund Processing

Approved refunds may require several business days to process depending on:

• The insurance carrier's internal processing timelines
• Banking institution processing times
• Payment processor schedules
• The original payment method used

Refunds are typically issued via the original payment method. Please allow 7–21 business days for a refund to appear depending on your carrier and financial institution.

7. Billing Questions

Customers should contact St Insurance Agency, Inc. promptly regarding any billing concerns, disputed charges, or unexpected premium changes. Early contact allows us to address issues quickly and advocate on your behalf with the carrier.

8. No Guarantee of Refunds

Refund approvals remain subject to the policies of the insurance carrier, the terms of your signed policy agreement, and applicable Massachusetts and federal laws. St Insurance Agency, Inc. cannot guarantee refund approval or specific refund amounts, as these determinations are made by the issuing carrier.

9. Contact Information

For billing questions, cancellation requests, or refund inquiries, please contact:

• St Insurance Agency, Inc.
• 306 South St, Pittsfield, MA 01201
• Phone: (575) 308-1075
• Email: contact@stinsuranceagencyinc.com