Licensing and Disclosures

Licensing status

FreshWave Insurance Agency LLC is a licensed insurance agency in Minnesota and North Dakota. Charlotte Anumudem is an individually licensed insurance producer in Minnesota and North Dakota, with Property, Casualty, and Life lines of authority. FreshWave is not currently selling, binding, or issuing insurance coverage. Insurance products will become available only after the required carrier appointments are in place.

Individual producer licensing

Charlotte Anumudem, Owner and Licensed Insurance Producer, is an individually licensed insurance producer in Minnesota and North Dakota with these lines of authority: Property, Casualty, Life.

Agency licensing

The agency, FreshWave Insurance Agency LLC, needs its own license in each state, separate from its producer's license. Its status in each state:

• Minnesota: Licensed insurance agency
• North Dakota: Licensed insurance agency

What FreshWave is and is not

FreshWave Insurance Agency LLC is an insurance agency. It is not an insurance company and does not make underwriting, coverage, claim, or payment decisions. Those decisions are made by the insurance company that issues a policy. Requesting a quote or submitting information on this website does not bind, change, renew, or cancel coverage.

Carrier appointments

Carrier names and appointment effective dates are published here only after they are confirmed for each state. Until then, the availability of any specific product or carrier has not been confirmed.

Regulatory resources

You may contact your state insurance regulator at any time.

• Minnesota Department of Commerce: consumer complaints
• North Dakota Insurance Department: consumer complaints