1. Who we are
Commercial Insurance Advocate is a trade name of MPW Consulting, LLC, an Ohio limited liability company and independent insurance agency. We are licensed by the Ohio Department of Insurance as a business entity (Agency License #1764490). Our principal, Michael P. Wolterman, holds Ohio Producer License #659359 (NPN 8186498), Resident Major Lines — Accident & Health, Casualty, Life, and Property.
We are an insurance agency, not an insurance company. Policies are issued by the insurance carriers with which your coverage is placed. We currently offer insurance products only in Ohio.
Mailing address: 5547 Dry Ridge Road, Cincinnati, OH 45252 · Phone: (513) 845-1842 · Email: quotes@commercialinsuranceadvocate.com
2. Privacy notice
This notice describes how we collect, use, share, and protect nonpublic personal information about the businesses and people we work with, consistent with the Gramm-Leach-Bliley Act and Ohio insurance privacy rules.
Information we collect
- Information you give us — on our quote form, by phone, text, or email, or on applications: your name, business name, contact details, business location and operations, current policy details (including declarations pages you upload), claims history, and the coverage you're looking for.
- Information from your transactions with us, the carriers, and our agency network — quotes, policies, premiums, payments, and claims.
- Information from third parties as needed to quote and service coverage — for example, insurance carriers, motor vehicle and loss-history reports, and public records.
- Website data — standard server logs (IP address, browser type, pages visited). We do not use advertising trackers or sell browsing data. Our form host, Netlify, processes submissions on our behalf.
How we use it
To respond to your request, obtain and compare quotes, place and service your coverage, communicate with you about your account, comply with law, prevent fraud, and improve our service.
Who we share it with
- Insurance carriers, wholesalers, and our agency network — to obtain quotes and place and service your coverage. When you request a quote, your information may be shared with one or more carriers and with the licensed quoting team of the independent agency network we belong to, so they can quote and, if you choose, bind your coverage.
- Service providers that help us run our business (website and form hosting, email, phone/texting platforms, agency management software), who may use it only to perform services for us.
- As required or permitted by law — regulators, courts, or law enforcement, or to protect against fraud.
We do not sell your personal information, and we do not share it with unaffiliated third parties for their own marketing. Text-messaging opt-in data and consent will never be shared with third parties for marketing purposes.
How we protect it
We restrict access to your information to people who need it to serve you, and we use physical, electronic, and procedural safeguards — including encrypted (HTTPS) transmission on this site — to protect it. We keep information as long as needed to serve you and to meet insurance record-keeping requirements.
Your choices
You may ask us what information we hold about you, request corrections, opt out of marketing communications at any time, or ask us to delete information we are not required to retain. Contact us using the details in Section 8. If you are a former customer, this notice continues to apply to your information.
3. Text messaging (SMS) terms
Program name: Commercial Insurance Advocate quote & service alerts.
Program description: When you provide your mobile number and consent on our quote form, by text, or verbally, Commercial Insurance Advocate (MPW Consulting LLC) may send you text messages about your quote request, appointment or callback scheduling, documents we need, and servicing of your policies. Messages are conversational and account-related; we do not send bulk promotional texts.
- Message frequency varies depending on your request and account activity.
- Message and data rates may apply. Check with your mobile carrier for details.
- Opt out at any time by replying STOP to any message. You'll receive one confirmation text and no further messages unless you opt back in.
- Need help? Reply HELP, call (513) 845-1842, or email quotes@commercialinsuranceadvocate.com.
- Consent to receive texts is not a condition of purchasing any goods, services, or insurance.
- Carriers are not liable for delayed or undelivered messages.
- See our Privacy notice above. Mobile information and SMS consent are not shared with third parties or affiliates for marketing purposes.
4. Insurance disclosures
Independent agency & network
We are an independent agency and are not owned by or captive to any insurance company. To give small businesses access to a broad range of carriers, we place business through an independent insurance agency network. Depending on the coverage you request, your quote may be prepared by us or by the network's licensed commercial quoting team, and a licensed representative of that team or of the carrier may contact you directly to present options and, at your direction, bind coverage. In some programs the network or carrier, rather than our agency, is designated the "agent of record" on the policy; in every case, Michael P. Wolterman remains your point of contact for questions and service.
Quotes and binding
Quotes are estimates based on the information provided and are subject to the carrier's underwriting review and acceptance. A quote is not a guarantee of coverage or price and is not an offer of insurance. Coverage is governed solely by the policy issued by the carrier, including its terms, conditions, limits, and exclusions. Coverage cannot be bound, changed, or cancelled through this website, by email, by text message, or by voicemail. Requests for changes are effective only when confirmed by a licensed agent or the carrier.
Claims
As your agent we help you understand your coverage, report claims, and communicate with the carrier. Claims are investigated, evaluated, and paid by the insurance carrier. We are not a public adjuster and do not represent policyholders in adjusting or settling claims for a fee.
Licensing and territory
Insurance products are offered only in states where the agency and its producers are properly licensed — currently Ohio. Nothing on this site is an offer to sell insurance in any state where we are not licensed. License status can be verified through the Ohio Department of Insurance license lookup or the NAIC/NIPR producer database.
Not advice
Content on this website is general information, not legal, tax, or coverage advice for your specific situation. Please read your policy and ask us about anything you're unsure of.
5. How we're paid
We are compensated by the insurance carriers (directly or through our agency network) with a commission that is a percentage of the premium on policies we place. Commission rates vary by carrier and product. We may also be eligible for contingent or supplemental compensation from carriers or the network based on the overall volume, growth, or profitability of business placed with them. In some cases an agency or broker fee may be charged for services; any such fee will be disclosed to you and agreed in writing before it is charged. You are welcome to ask us at any time how we are compensated on your account.
6. Surplus lines notice
Some hard-to-place risks cannot be insured by carriers licensed ("admitted") in Ohio. In those cases coverage may be obtained, through a licensed surplus lines broker in our network, from an eligible surplus lines (excess & surplus) insurer. Surplus lines insurers are not licensed by the Ohio Department of Insurance and are not covered by the Ohio Insurance Guaranty Association, which protects policyholders if an admitted insurer becomes insolvent. Surplus lines policies are also subject to Ohio surplus lines premium tax and may have different rates, forms, and cancellation provisions. Any surplus lines placement will be identified to you as such, and the required Ohio surplus lines notice will appear on the policy documents, before coverage is bound.
7. Website terms
This website is provided by MPW Consulting, LLC for informational purposes. Content is believed accurate when published but may change without notice. We are not responsible for the content of third-party sites we link to. Nothing on this site creates an agency relationship until we have agreed to act on your behalf and coverage has been placed. We aim to make this site accessible to everyone; if you have difficulty using any part of it, contact us and we'll help you another way.
8. Questions & complaints
Questions about this notice, your information, or our services: Michael P. Wolterman, Commercial Insurance Advocate (MPW Consulting LLC), 5547 Dry Ridge Road, Cincinnati, OH 45252 · (513) 845-1842 · michael@commercialinsuranceadvocate.com.
If we can't resolve a concern, you may contact the Ohio Department of Insurance, Consumer Services Division, 50 W. Town Street, Suite 300, Columbus, OH 43215 · 1-800-686-1526 · insurance.ohio.gov.
We may update this page from time to time; the effective date at the top will change when we do.