Legal
Broker Licenses
Our active state entity insurance licenses, regulatory disclosures, and answers to common questions about our licensing and compliance.
State Licenses and Regulatory Compliance
M.K. Sullivan Insurance is committed to transparency and compliance across all operations. We believe in providing the families and businesses we serve with the same security and professional integrity they rely on us for every day.
M.K. Sullivan Insurance places coverage under Agent Vista LLC. All insurance products are placed and managed by licensed professionals under applicable state regulations and consumer protection laws. Below is a comprehensive list of our active state entity insurance licenses and identification numbers.
Active State Insurance Licenses
Our agency is licensed to write personal and commercial property & casualty coverage across multiple jurisdictions, with continued expansion underway to serve more of the families and businesses who count on us.
| State | License Name / Type | Entity License Number |
|---|---|---|
| Connecticut | Agent Vista LLC (Non Resident Insurance Producer) | 3004201670 |
| Florida | Agent Vista LLC (Licensed Insurance Agency) | L136474 |
| Georgia | Agent Vista LLC (Principal Agency-Nonresident) | 245666 |
| Illinois | Agent Vista LLC (Property & Casualty Broker) | 3003550813 |
| Massachusetts | Agent Vista LLC (Property & Casualty Broker) | 3004116605 |
| Maine | Agent Vista LLC (Non Resident Producer Agency) | AGN547445 |
| New Hampshire | Agent Vista LLC (Non Resident Producer Agency) | 3004202206 |
| New Jersey | Agent Vista LLC (Non Resident Producer Agency) | 3004201756 |
| New York | Agent Vista LLC (Property & Casualty) | 1960073 |
| New York | Agent Vista LLC (Insurance Broker) | BR-1960073 |
| Ohio | Agent Vista LLC (Non Resident Producer Agency) | 1748491 |
| Pennsylvania | Agent Vista LLC (Non Resident Producer Agency) | 1321128 |
| Tennessee | Agent Vista LLC (Business Entity Producer) | 3004201668 |
| Texas | Agent Vista LLC (Personal Lines Property and Casualty Agency) | 3505355 |
| Texas | Agent Vista LLC (General Lines Agency Property and Casualty Agency) | 3506710 |
| Virginia | Agent Vista LLC (Non Resident Producer Agency) | 166528 |
| Vermont | Agent Vista LLC (Non Resident Producer Agency) | 3004188616 |
Consumer Protection & Important Disclosures
State Availability Notice
Insurance products are only available to individuals and business entities in states where M.K. Sullivan Insurance (Agent Vista LLC) is fully licensed and authorized by law to solicit, negotiate, and bind coverage.
Our Underwriting Carriers
M.K. Sullivan Insurance acts as an independent insurance agency and broker. We do not personally underwrite, issue, or fund the insurance policies we offer. All coverages are underwritten and backed by highly rated, financially stable insurance companies admitted and authorized by state insurance departments.
Commissions and Compensation Disclosure
As a licensed broker, M.K. Sullivan Insurance receives compensation from our partner insurance carriers. This compensation typically takes the form of a percentage commission based on the total premium of the bound policy. In limited circumstances, a transparent service fee may be charged directly to the client. Any such fees will always be clearly itemized and disclosed upfront before a policy is bound.
Frequently Asked Questions About Our Licenses
What is the difference between an insurance broker and an insurance carrier?
- An insurance carrier (or insurance company) is the financial institution that actually provides the coverage, sets the policy rules, and pays out your claims. An insurance broker, like M.K. Sullivan Insurance, represents you — the client. We assess your unique risks, shop your coverage across multiple top-tier carriers, and package your policies so you get the right protection at a competitive price.
Why should I check that my agency is properly licensed?
- Operating an unlicensed insurance business is a serious violation of state law. And if you purchase a policy from an unlicensed entity, that policy could be deemed legally void — leaving you unprotected when a claim occurs. Confirming an agency's license numbers ensures your legal protections are valid.
Do your licenses cover both personal and commercial insurance?
- Yes. Our property and casualty licenses allow us to place both personal lines (auto, home, renters, umbrella, and more) and commercial coverage for businesses. We work with top carriers to match the right policy to your household or your business.
How often are your licenses renewed with state insurance departments?
- In compliance with state insurance board laws, our entity and individual producer licenses undergo regular renewal cycles — typically every one to two years depending on the state. This process includes corporate reviews, regulatory audits, and continuing-education tracking to maintain good standing.
I own property or run a business in more than one state. Can you cover me?
- Yes, provided we hold an active license in those states. Our full list of active state licenses is below. If your coverage needs span state lines, our team can help make sure your home, business, and assets remain properly protected wherever they are.
Need a Certified Copy or Additional Compliance Forms?
If you are a business client, property manager, or anyone who needs specific regulatory verifications or formalized tax document packets (such as an active W-9), our team is ready to help.
Reach us through our website or call us directly at (978) 346-7200.