Insurance Agents And Brokers Of Pennsylvania Inc in Mechanicsburg, Pennsylvania (PA)

Table of contents:

Organization representatives - add corrected or new information about Insurance Agents And Brokers Of Pennsylvania Inc »

Non-representatives - add comments about Insurance Agents And Brokers Of Pennsylvania Inc»

Insurance Agents And Brokers Of Pennsylvania Inc
Employer Identification Number (EIN)231582076
Name of OrganizationInsurance Agents And Brokers Of Pennsylvania Inc
Address5050 Ritter Rd, Mechanicsburg, PA 17055-4879
ActivitiesUnderwriting municipal insurance
SubsectionBusiness League
Ruling Date11/1946
DeductibilityContributions are not deductible
FoundationAll organizations except 501(c)(3)
OrganizationCorporation
Exempt Organization StatusUnconditional Exemption
Tax Period03/2012
Assets$1,000,000 to $4,999,999
Income$1,000,000 to $4,999,999
Filing Requirement990 (all other) or 990EZ return
Asset Amount$4,505,240
Amount of Income$3,057,766
Form 990 Revenue Amount$2,613,249
National Taxonomy of Exempt Entities (NTEE)Mutual/Membership Benefit Organizations, Other: Professional Societies, Associations


Non-representatives - add comments:


CAPTCHA

Your IP address 54.197.111.87 will be logged.

Amount of income in 2012: $3,057,766
Insurance Agents And Brokers Of Pennsylvania Inc: 

 $3,057,766
Other organizations performing similar types of work: 

 $713,150

Assets in 2012: $4,505,240
Insurance Agents And Brokers Of Pennsylvania Inc: 

 $4,505,240
Other organizations performing similar types of work: 

 $624,738

Expenses in 2007: $2,972,465
Insurance Agents And Brokers Of Pennsylvania Inc: 

 $2,972,465
Other organizations performing similar types of work: 

 $1,809,151

Income to expenses ratio in 2007: 1.1
Insurance Agents And Brokers Of Pennsylvania Inc: 

 1.1
Other organizations performing similar types of work: 

 1.1

Grants share in income in 2007: 0.3%
This organization: 

 0.3%
Other organizations performing similar types of work: 

 0.0%

Financial snapshot ($)

Revenue for 2007

Assets at end of 2007

Income-Producing Activities for 2007

Revenue, Expenses, and Changes in Net Assets or Fund Balances
20002001200220032004200520062007
Total revenue$2,598,689$2,628,140$2,929,203$2,917,097$3,299,717$3,360,372$3,372,055$3,257,300
Contributions, gifts, grants, and similar amounts received$0$0$0$0$0$9,420$8,600$8,500
Contributions to donor advised funds$0$0
Direct public support$0$0$0$0$0$9,420$8,600$0
Indirect public support$0$0$0$0$0$0$0$8,500
Government contributions (grants)$0$0$0$0$0$0$0$0
Program service revenue including government fees and contracts$1,813,677$1,862,263$1,873,786$1,634,793$1,729,424$1,768,013$1,767,099$1,692,243
Membership dues and assessments$651,379$650,821$711,583$822,270$755,310$754,097$747,565$729,810
Interest on savings and temporary cash investments$38,323$3,530$2,079$10,965$27,767$15,056$15,893$14,850
Dividends and interest from securities$31,399$39,408$26,654$15,489$16,613$48,740$104,087$117,481
Net rental income or (loss)$0$0$0$0$0$0$0$0
Gross rents$0$0$0$0$0$0$0$0
Less: rental expenses$0$0$0$0$0$0$0$0
Other investment income$42,822$34,411$25,427$15,831$5,582$0$0$0
Gain or (loss) from sales of assets other than inventory$443$-58,850$-3,746$1,488$19,407$43,569$70,888$36,751
Gross amount from sales of assets other than inventory$38,196$105,691$79,266$14,118$598,769$1,239,016$2,399,261$1,954,949
Less: cost or other basis and sales expenses$37,753$164,541$83,012$12,630$579,362$1,195,447$2,328,373$1,918,198
Net income or (loss) from special events and activities$0$0$0$0$0$0$0$0
Gross revenue$0$0$0$0$0$0$0$0
Less: direct expenses other than fundraising expenses$0$0$0$0$0$0$0$0
Gross profit or (loss) from sales of inventory$0$0$0$0$0$0$0$0
Gross sales of inventory, less returns and allowances$0$0$0$0$0$0$0$0
Less: cost of goods sold$0$0$0$0$0$0$0$0
Other revenue$20,646$96,557$293,420$416,261$745,614$721,477$657,923$657,665
Total expenses$2,680,703$2,616,447$2,643,362$2,614,669$2,862,481$3,088,607$3,005,686$2,972,465
Program services$0$0$0$0$0$0$0$0
Management and general$0$0$0$0$0$0$0$0
Fundraising$0$0$0$0$0$0$0$0
Payments to affiliates$0$0$0$0$0$0$0$0
Net assets or fund balances at end of year$1,694,136$1,758,049$1,898,043$2,245,351$2,678,605$3,005,242$3,387,879$3,576,854
Excess or (deficit) for the year$-82,014$11,693$285,841$302,428$437,236$271,765$366,369$284,835
Net assets or fund balances at beginning of year$1,823,383$1,694,136$1,758,049$1,898,043$2,245,351$2,678,605$3,005,242$3,387,879
Other changes in net assets or fund balances$-47,233$52,220$-145,847$44,880$-3,982$54,872$16,268$-95,860
Statement of Functional Expenses (for 2007)
TotalProgram servicesManagement and generalFundraising
Total functional expenses$2,972,465$0$0$0
Grants paid from donor advised funds$0
Other grants and allocations$156,373
Specific assistance to individuals$0
Benefits paid to or for members$0
Compensation of current officers, directors, key employees, etc.$0$0$0$0
Compensation of former officers, directors, key employees, etc.$0$0$0$0
Compensation and other distributions, not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B)$0$0$0$0
Salaries and wages of employees not included above$0$0$0$0
Pension plan contributions not included above$0$0$0$0
Employee benefits not included above$0$0$0$0
Payroll taxes$0$0$0$0
Professional fundraising fees$0$0$0$0
Accounting fees$0$0$0$0
Legal fees$255$0$0$0
Supplies$23,287$0$0$0
Telephone$9,557$0$0$0
Postage and shipping$13,360$0$0$0
Occupancy$0$0$0$0
Equipment rental and maintenance$17,566$0$0$0
Printing and publications$474,496$0$0$0
Travel$85,731$0$0$0
Conferences, conventions, and meetings$425,441$0$0$0
Interest$0$0$0$0
Depreciation, depletion, etc.$0$0$0$0
Other expenses not covered above$1,766,399$0$0$0
Balance Sheets
20002001200220032004200520062007
Total assets$2,720,336$2,835,129$3,082,848$3,639,271$4,076,133$4,483,249$4,522,617$4,878,517
Cash - non-interest-bearing$0$0$0$0$247,230$0$281,982$299,072
Savings and temporary cash investments$1,046,272$1,240,803$1,630,327$2,428,017$1,866,726$2,032,235$1,988,777$2,377,897
Accounts receivable less allowance for doubtful accounts$60,938$106,657$351,239$132,460$132,537$120,252$95,645$85,580
Pledges receivable less allowance for doubtful accounts$0$0$0$0$0$0$0$0
Grants receivable$0$0$0$0$0$0$0$0
Receivables from current and former officers, directors, trustees, and key employees$0$0$0$0$0$0$0$0
Receivables from other disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B)$0$0
Other notes and loans receivable less allowance for doubtful accounts$583,837$451,975$311,129$160,688$0$0$0$0
Inventories for sale or use$0$14,803$0$0$0$0$0$0
Prepaid expenses and deferred charges$62,601$57,338$30,960$108,964$108,192$136,246$99,881$91,275
Investments - publicly-traded securities$2,056,332$2,024,693
Investments - other securities$961,088$963,550$759,193$809,142$1,721,448$1,941,080$0$0
Investments - land, buildings, and equipment less accumulated depreciation$0$0$0$0$0$0$0$0
Investments - other$0$0$0$0$0$0$0$0
Land, buildings, and equipment less accumulated depreciation$5,600$3$0$0$0$0$0$0
Other assets, including program-related investments$0$0$0$0$0$253,436$0$0
Total liabilities$1,026,200$1,077,080$1,184,805$1,393,920$1,397,528$1,478,007$1,134,738$1,301,663
Accounts payable and accrued expenses$114,947$218,239$302,462$270,689$284,084$245,317$210,032$202,743
Grants payable$0$0$0$0$0$0$0$0
Deferred revenue$0$0$0$0$0$0$0$0
Loans from officers, directors, trustees, and key employees$0$0$0$0$0$0$0$0
Tax-exempt bond liabilities$0$0$0$0$0$0$0$0
Mortgages and other notes payable$0$0$0$0$0$0$0$0
Other liabilities$911,253$858,841$882,343$1,123,231$1,113,444$1,232,690$924,706$1,098,920
Total liabilities and net assets/fund balances$2,720,336$2,835,129$3,082,848$3,639,271$4,076,133$4,483,249$4,522,617$4,878,517
Total net assets or fund balances$1,694,136$1,758,049$1,898,043$2,245,351$2,678,605$3,005,242$3,387,879$3,576,854
Reconciliation of Revenue per Audited Financial Statements With Revenue per Return
20002001200220032004200520062007
Total revenue$2,598,689$2,628,140$2,929,203$2,917,097$3,299,717$3,360,372$3,372,055$3,257,300
Total revenue, gains, and other support per audited financial statements$2,612,844$2,652,213$2,943,985$2,942,542$3,295,738$3,426,489$3,369,575$3,150,614
Other expenses$14,155$24,073$14,782$25,445$0$66,117$-2,480$-106,686
Net unrealized gains on investments$0$0$0$0$0$54,873$16,268$-95,861
Donated services and use of facilities$0$0$0$0$0$0$0$0
Recoveries of prior year grants$0$0$0$0$0$0$0$0
Other$14,155$24,073$14,782$25,445$0$11,244$-18,748$-10,825
Other revenue$0$0$0$0$3,979$0$0$0
Investment expenses$0$0$0$0$0$0$0$0
Other$0$0$0$0$3,979$0$0$0
Reconciliation of Expenses per Audited Financial Statements With Expenses per Return
20002001200220032004200520062007
Total expenses$2,680,703$2,616,447$2,643,362$2,614,669$2,862,481$3,088,607$3,005,686$2,972,465
Total expenses and losses per audited financial statements$2,741,735$2,623,797$2,664,638$2,629,634$2,873,540$3,088,607$3,005,686$2,972,465
Other revenue$61,032$7,350$21,276$14,965$11,059$0$0$0
Donated services and use of facilities$0$0$0$0$0$0$0$0
Prior year adjustments$0$0$0$0$0$0$0$0
Losses$47,233$0$0$0$0$0$0$0
Other$13,799$7,350$21,276$14,965$11,059$0$0$0
Other expenses$0$0$0$0$0$0$0$0
Investment expenses$0$0$0$0$0$0$0$0
Other$0$0$0$0$0$0$0$0
Current Officers, Directors, Trustees, and Key Employees
Total number of officers, directors, and trustees permitted to vote on organization business at board meetings12
Are any officers, directors, trustees, or key employees listed in Form 990, Part V-A, or highest compensated employees listed in Schedule A, Part I, or highest compensated professional and other independent contractors listed in Schedule A, Part II-A or II-B, related to each other through family or business relationships?No
Do any officers, directors, trustees, or key employees listed in Form 990, Part V-A, or highest compensated employees listed in Schedule A, Part I, or highest compensated professional and other independent contractors listed in Schedule A, Part II-A or II-B, receive compensation from any other organizations, whether tax exempt or taxable, that are related to the organization?Yes
Does the organization have a written conflict of interest policy?Yes
Other Information
Did the organization have unrelated business gross income of $1,000 or more during the year covered by this return, and has it filed a tax return on Form 990-T for this year?No
Was there a liquidation, dissolution, termination, or substantial contraction during the year?No
Is the organization related (other than by association with a statewide or nationwide organization) through common membership, governing bodies, trustees, officers, etc., to any other exempt or nonexempt organization?Yes
Direct and indirect political expenditures$0
Did the organization file Form 1120-POL for this year?No
Were substantially all dues nondeductible by members?No
Did the organization make only in-house lobbying expenditures of $2,000 or less?No
Dues, assessments, and similar amounts from members$729,810
Section 162(e) lobbying and political expenditures$174,288
Aggregate nondeductible amount of section 6033(e)(1)(A) dues notices$211,048
Taxable amount of lobbying and political expenditures$-36,760
Does the organization elect to pay the section 6033(e) tax on the amount above?No
If section 6033(e)(1)(A) dues notices were sent, does the organization agree to add the amount above to its reasonable estimate of dues allocable to nondeductible lobbying and political expenditures for the following tax year?Yes
Initiation fees and capital contributions$0
Gross receipts for public use of club facilities$0
At any time during the year, did the organization, directly or indirectly, own a controlled entity within the meaning of section 512(b)(13)?No
Amount of tax imposed on the organization during the year under: section 4911$0
Amount of tax imposed on the organization during the year under: section 4912$0
Amount of tax imposed on the organization during the year under: section 4955$0
Did the organization engage in any section 4958 excess benefit transaction during the year or did it become aware of an excess benefit transaction from a prior year?
Amount of tax imposed on the organization managers or disqualified persons during the year under sections 4912, 4955, and 4958$0
Amount of tax above, reimbursed by the organization$0
At any time during the tax year, was the organization a party to a prohibited tax shelter transaction?No
Did the organization acquire a direct or indirect interest in any applicable insurance contract?No
Did the supporting organization, or a fund maintained by a sponsoring organization, have excess business holdings at any time during the year?No
Number of employees employed in the pay period that includes March 12, 20060
Analysis of Income-Producing Activities (for 2007)
Unrelated business incomeExcluded by section 512, 513, or 514Related or exempt function income
Business codeAmountExclusion codeAmount
Total$0$826,747$2,422,053
Program service revenue
Program service revenue 1000000$000$0$1,600,476
Program service revenue 2000000$000$0$75,894
Program service revenue 3000000$000$0$15,873
Program service revenue 4000000$000$0$0
Program service revenue 5000000$000$0$0
Medicare/Medicaid payments000000$000$0$0
Fees and contracts from government agencies000000$000$0$0
Membership dues and assessments000000$000$0$729,810
Interest on savings and temporary cash investments000000$0Dividends, interest, payments with respect to securities loans, annuities, income from notional principal contracts, loan commitment fees, and other substantially similar income from ordinary and routine investments excluded by section 512(b)(1)$14,850$0
Dividends and interest from securities000000$0Dividends, interest, payments with respect to securities loans, annuities, income from notional principal contracts, loan commitment fees, and other substantially similar income from ordinary and routine investments excluded by section 512(b)(1)$117,481$0
Net rental income or (loss) from real estate
debt-financed property000000$000$0$0
not debt-financed property000000$000$0$0
Net rental income or (loss) from personal property000000$000$0$0
Other investment income000000$000$0$0
Gain or (loss) from sales of assets other than inventory000000$0Gain (or loss, to the extent allowed) from the sale of investments and other non-inventory property and from certain property acquired from financial institutions that are in conservatorship or receivership (sections 512(b)(5) and 512(b)(16)(A))$36,751$0
Net income or (loss) from special events000000$000$0$0
Gross profit or (loss) from sales of inventory000000$000$0$0
Other revenue000000$0Royalty income excluded by section 512(b)(2)$657,665$0
Information Regarding Taxable Subsidiaries and Disregarded Entities (for 2007)
EIN of corporation, partnership, or disregarded entityPercentage of ownership interestTotal incomeEnd-of-year assets
23233714582%$3,783,209$3,504,497
0%$0$0
0%$0$0
0%$0$0
Compensation of the Five Highest Paid Employees Other Than Officers, Directors, and Trustees (for 2007)
CompensationContributions to employee benefit plans & deferred compensationExpense account and other allowances
$0$0$0
$0$0$0
$0$0$0
$0$0$0
$0$0$0
Total number of other employees paid over $50,0000
Statements About Activities (for 2007)
Expenses paid or incurred in connection with the lobbying activities$0
Did the organization receive or hold an easement for conservation purposes, including easements to preserve open space, the environment, historic land areas or historic structures?
Did the organization provide credit counseling, debt management, credit repair, or debt negotiation services?
Did the organization maintain any donor advised funds?
Did the organization make any taxable distributions under section 4966?
Did the organization make a distribution to a donor, donor advisor, or related person?
Enter the total number of donor advised funds owned at the end of the tax year$0
Enter the aggregate value of assets held in all donor advised funds owned at the end of the tax year$0
Enter the total number of separate funds or accounts owned at the end of the tax year (excluding donor advised funds included above) where donors have the right to provide advice on the distribution or investment of amounts in such funds or accounts$0
Enter the aggregate value of assets held in all funds or accounts included above at the end of the tax year$0
Reason for Non-Private Foundation Status
The organization is not a private foundation because it is
Support Schedule
19992000200120022003200420052006
Total$0$0$0$0$0$0$0$0
Gifts, grants, and contributions received$0$0$0$0$0$0$0$0
Membership fees received$0$0$0$0$0$0$0$0
Gross receipts from admissions, merchandise sold or services performed, or furnishing of facilities in any activity that is related to the organization's charitable, etc., purpose$0$0$0$0$0$0$0$0
Gross income from interest, dividends, amounts received from payments on securities loans (section 512(a)(5)), rents, royalties, and unrelated business taxable income (less section 511 taxes) from businesses acquired by the organization after June 30, 1975$0$0$0$0$0$0$0$0
Net income from unrelated business activities not included above$0$0$0$0$0$0$0$0
Tax revenues levied for the organization's benefit and either paid to it or expended on its behalf$0$0$0$0$0$0$0$0
The value of services or facilities furnished to the organization by a governmental unit without charge. Do not include the value of services or facilities generally furnished to the public without charge$0$0$0$0$0$0$0$0
Other income$0$0$0$0$0$0$0$0
Lobbying Expenditures by Electing Public Charities (for 2007)
Total exempt purpose expenditures$0
Total lobbying expenditures$0
Total lobbying expenditures to influence public opinion (grassroots lobbying)$0
Total lobbying expenditures to influence a legislative body (direct lobbying)$0
Other exempt purpose expenditures$0
Lobbying nontaxable amount$0
Grassroots nontaxable amount$0
Statements Regarding Other IRS Filings and Tax Compliance (for 2012)
Did the organization have unrelated business gross income of $1,000 or more during the year?No
Initiation fees and capital contributions$0
Gross receipts for public use of club facilities $0
Gross income from members or shareholders$0
Gross income from other sources$0
Statement of Revenue (for 2012)
Total revenue$2,613,249
Contributions, Gifts, Grants and Other Similar Amounts$0
Program Service Revenue$1,895,413
Other Revenue
Investment income (including dividends, interest, and other similar amounts)$56,763
Income from investment of tax-exempt bond proceeds$0
Royalties$584,473
Net rental income$0
Net gain from sales of assets other than inventory$76,600
Gross amount from sales of assets other than inventory (Securities / Other)$521,117 / $0
Less: cost or other basis and sales expenses (Securities / Other)$444,517 / $0
Gain or (loss) (Securities / Other)$76,600 / $0
Net income from fundraising events$0
Net income from gaming activities$0
Net income from sales of inventory$0
Miscellaneous Revenue$0
Statement of Functional Expenses (for 2012)
Total functional expenses$2,588,136
Compensation of current officers, directors, trustees, and key employees$0
Other salaries and wages$0
Payroll taxes$0
Professional fundraising services$0
Other$2,588,136
Balance Sheet (for 2012)
Total assets$4,505,240
Total liabilities$1,416,281
Tax-exempt bond liabilities$0
Secured mortgages and notes payable to unrelated third parties$0
Unsecured notes and loans payable to unrelated third parties$0
Other$1,416,281
Total net assets or fund balances$3,088,959
Retained earnings, endowment, accumulated income, or other funds$0
Reason for Public Charity Status (for 2012)
The organization is not a private foundation because it is:Not provided
Write your review!

Your Ratings

You can rate this nonprofit in different categories from 1 star (worst) to 5 stars (best) or leave category unrated

Program:
Fundraising:
Expenses:
Transparency:

Your Review


Would you recommend Insurance Agents And Brokers Of Pennsylvania Inc to others? (optional)
  
Add photo of Insurance Agents And Brokers Of Pennsylvania Inc (optional)

About You

Your nickname:

Optional Verification

(additional info to increase the weight and the placement of your review and ratings)

Sign in with Twitter
Real Name:
Email (won't be published):
Date and time of your visit to this nonprofit:
Phone number (won't be published):
Leave your signature»

Sweepstakes

Special limited-time promotion! Submit your review for a chance to win $500 in our sweepstakes!



Your email address (you will not be contacted unless you win, we do not sell your email address or send any spam):


Recently Added Reviews
Streett Charitable Foundation Inc, Camp Koala in Carlisle, PA
*****
Haven Of Hope Inc in Ambridge, PA
*
Free & Accepted Masons Of Pennsylvania, 729 John E Mair Lodge in Butler, PA
*****
Katie Stauffer Arts And Cultural Center, Katie Stauffer Memorial Art Center in Quakertown, PA
Carlisle Cap Flying Club Inc in Carlisle, PA
*****
Healing Tree International in Palmyra, PA
***•
Stop The Madness - Stop The Violence Inc in Philadelphia, PA
****
Burrell Education Foundation Inc in Lower Burrell, PA
*****
Saucon Valley Country Club in Bethlehem, PA
*
Lehigh Valley Amateur Astronomical Society Inc in Allentown, PA
****•
Organizations performing similar types of work
IdNameAddressStateEstablishedTotal Income
1American Insurance Association2101 L St Nw Ste 400, Washington, DC 20037-1542DC1984-04$20,778,736
2Health Insurance Assn Of AmericaWashington, DC 20004DC$14,571,574
3Independent Insurance Agents And Brokers Of America IncAnd Brokers Of America Inc 127 S Pe, Alexandria, VA 22314VA1939-11$14,484,711
4Excess Line Association Of New YorkOne Exc Plza 55 Broadway 29 Fl, New York, NY 10006NY1990-04$7,738,345
5Professional Insurance Agents Of New York State IncPO BOX 997, Glenmont, NY 12077-0997NY1964-04$6,092,333
6Property Insurance Association Of Louisiana433 Metairie Rd Ste 400, Metairie, LA 70005-4343LA1950-08$4,657,331
7Insurance Agents And Brokers Of Pennsylvania Inc5050 Ritter Rd, Mechanicsburg, PA 17055-4879PA1946-11$3,057,766
8Insurance Marketplace Standards Association4550 Montgomery Ave Ste 700n, Bethesda, MD 20814-3264MD1997-12$2,321,625
9Missouri Association Of Insurance Agents3315 Emerald Ln, Jefferson Cty, MO 65109-6878MO1964-03$1,620,471
10Florida Insurance Council Inc150 S Monroe St Ste 206, Tallahassee, FL 32301-1561FL1996-05$1,202,742
11Independent Insurance Agents And Brokers Of Arizona Inc333 E Flower St, Phoenix, AZ 85012-2611AZ1941-09$713,150
12American Risk & Insurance Assn Inc716 Providence Rd, Malvern, PA 19355-3402PA1965-09$560,087
13Institute Of Home Office Life UnderwritersColumbus, OH 43235OH$347,784
14Naifa-Oklahoma City Inc4334 Nw Expressway, Oklahoma City, OK 73116-1578OK1949-07$56,640
15Ncr Retired Employees Association, IncGermantown, OH 45327OH$31,170
16National Association Of Insurance Women, International Association Of Insurance Professionals The Insurance Professionals Of Greater New OrleansP O Box 6615, Metairie, LA 70009-6615LA1968-06$8,797
17National Association Of Christian Financial Consulting Inc1055 Maitland Center Commons Blvd, Maitland, FL 32751-7205FL2000-04$70,784
18American Payroll Association Of Acadiana LlcPO BOX 510, Youngsville, LA 70592-0510LA2007-03$4,155
19International Systems Security Engineering Association13873 Park Center Rd Ste 500, Herndon, VA 20171-3251VA2002-02$2,219
Number of organizations performing similar types of work
Arizona2
California1
District of Columbia2
Florida3
Georgia1
Illinois1
Louisiana3
Maryland1
Missouri1
Mississippi1
North Carolina1
New York2
Ohio4
Oklahoma1
Pennsylvania3
Tennessee1
Virginia2
Wisconsin1
Total31

faqs.org is not associated with, endorsed by, or sponsored by Insurance Agents And Brokers Of Pennsylvania Inc and has no official or unofficial affiliation with Insurance Agents And Brokers Of Pennsylvania Inc