NOTICE DISCLOSURE:
      VIA (Verreos Insurance Agency, etal) is licensed by the State of California only.  We only
      sell and advise on those insurance products that we are currently licensed to sell.  If we
      consult with people in other states on a general level, we always direct them to seek 
      specific coverage advise from an agent licensed in the state where their business/needs 
      are located.  We only provide services authorized by our CDI state licenses.  All
      inquiries regarding accounting, tax, or legal questions must be directed by you to the
      appropriate professional of your choice.  We do not consult on topics outside of our license,
      or areas of experience. 


} Insurance:  Property, Liability, Life, and Medical; Autos, Homes, Businesses, Commercial, 
                       Industrial, Retail, Manufacturing, Wholesale.

    "If it rolls,  flies,  floats,  or just sits there  -  we can cover it."

$ Compensation:  Normally insurers pay VIA a commission as a percentage of premiums. 
                                If we are legally allowed to charge a fee in addition to receiving the 
                                commission, you will first be advised of the fee amount, and asked to
                                approve it.  We usually only apply fees to specialty policies, and 
                                commercial accounts that pay a very low, or no commission, and require
                                a great deal of extra time to handle.

} Consulting Services:  2ND Opinion:  a) coverage questions
                                                                b) market and pricing questions
                                                                c) risk assessments - loss experience

                    >   Pre investment planning:  What do we need to consider?
                    >   Policy Review
                    >   Risk Management/Loss Control


$ Consulting Fees:  $300.00/hour, plus $5.00/minute for each minute, subject to a
                                   $150.00 minimum per consult regardless of time.  

                               Consulting is based on time availability.  No work is done without a 
                               completed agreement with payment in advance, or if the consult is 
                               done by email chat online, you promise to pay online the pre agreed
                               fees which are non refundable.  All fees are fully earned at the conclusion
                               of the consult, and/or when a report is delivered if required by the 
                               agreement. 

Licensing:  CDI corporate #0585599                       operating exclusively in California
                           individual #0A65136
Call us  >  8 0 0 . 4 6 4 . 1 3 9 7   CA  only