The fastest way to quote and bind property & casualty insurance

xagent gives agents single-entry market access to a variety of standard and surplus lines insurance carriers.

The xagent website (www.xagent.com) and its affiliated domains are owned and operated by K&B Underwriters, LLC (“K&B”). K&B is dedicated to protecting the confidentiality and security of nonpublic personal information that K&B collects about its customers in accordance with applicable laws and regulations. This notice refers to K&B by using the terms “us,” “we,” or “our.” This notice describes our privacy policy and describes how we treat the nonpublic personal information about our customers that we receive from them (“Information”) from this website (the “Site”).

Why We Collect and How We Use Information

We collect and use Information for business purposes with respect to our insurance products and services and other business relations involving our customers. We gather this Information to evaluate your request for insurance, to administer, maintain or review your insurance policy, and to process your insurance transactions. We also accumulate certain information about the insurance agent or broker as may be required or permitted by law.

Your insurance agent or broker also collects this Information and may use it to help with your overall insurance program or to market additional products and services to you. We may also use Information to offer you other products or services that we or our Affiliates provide.

How We Collect Information

Most Information collected by us is provided by you or your insurance agent or broker to us. We obtain Information from (i) applications or other forms submitted by you, your insurance agent or broker or your authorized representatives to us and our Affiliates, and (ii) your transactions with us or our Affiliates. We may also obtain Information from other sources such as (i) consumer reporting agencies, (ii) other institutions or information services providers, (iii) employers, or (iv) other insurers.

Information We Disclose

We disclose any Information that we believe is necessary to conduct our business as permitted by applicable law or where required by applicable law. This disclosure may include (i) Information we receive from you on applications or other forms provided to us and our Affiliates, such as names, addresses, social security numbers, assets, employer information, salaries, etc. (ii) Information about your transactions with us and our Affiliates, such as policy coverages, premiums, payment history, etc., and (iii) Information we receive from a consumer reporting agency, such as credit worthiness and credit history.

To Whom We Disclose Information

We may, as permitted or required by applicable law, disclose your Information to nonaffiliated third parties, such as (i) your insurance agent or broker, (ii) independent claims adjusters, (iii) insurance support organizations, (iv) processing companies, (v) actuarial organizations, (vi) law firms, (vii) other insurance companies involved in an insurance transaction with you, (viii) law enforcement, regulatory, or governmental agencies, (ix) courts or parties therein pursuant to a subpoena or court order, (x) businesses with whom we have a marketing agreement, or (xi) our Affiliates.

We may share Information with our Affiliates so that they may offer you products and services or to analyze our book of business and to consolidate necessary information. We do not disclose Information to other companies or organizations not affiliated with us for the purpose of using Information to sell their products or services to you. For example, we do not sell your name to unaffiliated mail order or direct marketing companies.

How We Protect Information

We require our employees to protect the confidentiality of Information as required by applicable law. Access to Information by our employees is limited to administering, offering, servicing, processing or maintaining of our products and services. We also maintain physical, electronic and procedural safeguards designed to protect Information. When we share or provide Information to other persons or organizations, we contractually obligate them, if required by law, to treat Information as confidential and conform to our privacy policy and applicable laws and regulations.

Changes to Our Privacy Policy

We may occasionally change this privacy policy. If we do, we will post the changes on the Site. The changes will take effect as soon as posted.


K&B Underwriters, LLC

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There is nothing better for an agent than xagent!

Think of xagent as your instant connection to nationally A rated carriers. Our system communicates directly with the quoting system of our partner carriers. As a result, you get bindable quotes faster than ever. You deliver optimum service for your clients. And you keep your commissions.