Licensing & disclosures

Company: Afthonea Inc. dba Morrow Risk Advisory
Website: morrowinsure.com
Contact: common@morrowinsure.com

Where Morrow is licensed

Morrow is an insurance producer and broker. Morrow is not an insurance carrier and does not underwrite or issue policies. Afthonea Inc. and its producers hold property and casualty insurance licenses in the following states:

Morrow quotes, places, and services commercial insurance only in the states listed above. Availability of any particular carrier or program varies by state, class of business, and carrier appointment.

Guides for other states

Our insurance library covers requirements in all 50 states, including states where Morrow is not yet licensed. Those guides are published as general education about state rules and insurance concepts. They are not an offer of insurance, and we place coverage only in the states listed above.

We add states as licenses come through. If yours is not on the list yet, get in touch and we will help you find a licensed broker in the meantime.

No offer of insurance

Nothing on this website is an offer to sell, or a solicitation to buy, insurance in any jurisdiction where Morrow is not licensed. Quotes are subject to underwriting, carrier appetite, and eligibility. Coverage is not bound until it is confirmed in writing by the carrier or an authorized representative.

Guides, articles, comparisons, and cost estimates on this site are general information, not insurance, legal, or tax advice. Policy terms, conditions, exclusions, limits, and endorsements control actual coverage.

Independence

Morrow is an independent brokerage. We are not owned by, and are not exclusive to, any insurance carrier.

Verifying our licenses

You can verify an insurance producer license through the National Insurance Producer Registry at nipr.com, or through the department of insurance in your state. Questions about our licensing can go to common@morrowinsure.com.