Effective Date: March 1, 2026
Welcome to the website of Way Associates, Inc dba The Way Agency ("we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of our website at www.thewayagency.com and the services we offer through it. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use our website.
Acceptance of Terms
By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy. These Terms apply to all visitors, users, and anyone who accesses or uses our website. We reserve the right to update or modify these Terms at any time, and your continued use of the website following any changes constitutes acceptance of those changes.
About Our Services
The Way Agency is an independent insurance agency founded in 1998. We are not an insurance carrier or insurance company. We act as an intermediary between you and the insurance carriers we represent, helping you find coverage that fits your needs and budget.
Our role is to advise you on available insurance options, obtain quotes from multiple carriers on your behalf, and assist you with policy placement, renewals, and claims support. The actual insurance policies are issued by the insurance carriers, not by The Way Agency. The terms, conditions, exclusions, and limitations of your coverage are determined by your policy documents issued by the carrier.
No Guarantee of Coverage
Submitting a quote request or application through our website does not guarantee that you will receive coverage. All insurance products are subject to the underwriting guidelines and approval processes of the issuing carrier. Carriers may decline coverage, modify terms, or adjust premiums based on their evaluation of risk factors.
A quote provided through our website or by one of our agents is an estimate only. Final premiums, terms, and conditions may differ from the initial quote based on the carrier's underwriting review, verification of the information you provided, and other factors. Coverage is not bound until confirmed in writing by the insurance carrier and any required premium payments have been made.
Not Insurance Advice
The content on this website is provided for educational and informational purposes only. Blog posts, coverage descriptions, FAQ answers, and other materials on our site are intended to give you a general understanding of insurance concepts and products. This content is not a substitute for personalized advice from a licensed insurance agent.
Every individual and business has unique circumstances that affect their insurance needs. Coverage recommendations, policy limits, and deductible options should be discussed directly with one of our licensed agents, who can assess your specific situation and provide tailored guidance. We strongly encourage you to consult with us before making any coverage decisions based solely on information found on our website.
Accuracy of Information
We make every effort to ensure that the information on our website is accurate, current, and complete. However, insurance products, rates, regulations, and carrier offerings are subject to frequent change. Coverage descriptions on our site are simplified summaries and may not reflect every term, condition, or exclusion in an actual policy.
We do not warrant that the information on this website is free from errors or omissions. Before making insurance decisions, please confirm all details, rates, and coverage terms directly with your agent. In the event of any conflict between information on this website and the terms of an actual insurance policy, the policy language will govern.
Quote Requests
When you submit a quote request through our website, you agree to provide accurate, complete, and truthful information. The accuracy of your quote depends directly on the accuracy of the information you provide. Inaccurate, incomplete, or misleading information may result in incorrect quotes, coverage denials, policy cancellations, or claim denials.
By submitting a quote request, you authorize The Way Agency to use the information you provide to obtain insurance quotes from carriers on your behalf. You also understand that we may contact you by phone, email, or text message to follow up on your request and discuss your coverage options.
Intellectual Property
All content on this website, including but not limited to text, graphics, logos, images, page layouts, and software, is the property of Way Associates, Inc dba The Way Agency or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.
The Way Agency name, logo, and all related branding are trademarks of Way Associates, Inc. You may not use, reproduce, modify, distribute, or display any of our intellectual property without our prior written consent. You may print or download content from our website for your own personal, non-commercial use, provided you do not remove any copyright or proprietary notices.
Limitation of Liability
To the fullest extent permitted by law, Way Associates, Inc dba The Way Agency, its owners, officers, employees, and agents shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:
- Your use of or inability to use this website
- Errors, inaccuracies, or omissions in website content
- Coverage decisions made based solely on information found on this website
- Actions, decisions, or policies of insurance carriers, including but not limited to coverage denials, claim denials, or policy cancellations
- Unauthorized access to or alteration of your data or transmissions
- Any interruption or cessation of website availability
This limitation of liability applies regardless of the legal theory on which the claim is based, whether in contract, tort, negligence, strict liability, or otherwise, even if we have been advised of the possibility of such damages.
Third-Party Links
Our website may contain links to third-party websites, including insurance carrier websites, online payment portals, industry resources, and client service portals. These links are provided for your convenience and informational purposes only.
We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites. Visiting a third-party site through a link on our website is done at your own risk, and we encourage you to review the terms and privacy policies of any external site before providing personal information or conducting transactions.
State Licensing
Way Associates, Inc dba The Way Agency is a licensed insurance agency in the states of Kentucky, Indiana, and Tennessee. Our services are limited to the states in which we are properly licensed. We do not provide insurance services to residents of states where we are not licensed, unless otherwise authorized by law.
Insurance products and availability may vary by state. Not all products or coverage options described on our website may be available in every state where we are licensed. Please contact us to confirm what products and services are available in your area.
Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the Commonwealth of Kentucky, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in Daviess County, Kentucky, and you consent to the personal jurisdiction and venue of such courts.
Modifications to These Terms
We reserve the right to revise, update, or modify these Terms and Conditions at any time and at our sole discretion. When we make changes, we will update the "Effective Date" at the top of this page. We encourage you to review these Terms periodically. Your continued use of our website after any modifications are posted constitutes your acknowledgment and acceptance of the revised Terms.
Contact Us
If you have any questions about these Terms and Conditions, or if you need to reach us for any reason, please contact us:
Way Associates, Inc dba The Way Agency
PO Box 187
Owensboro, KY 42302
Phone: (502) 413-5335
Email: hello@thewayagency.com
Website: www.thewayagency.com
We value your business and are always happy to assist you with any questions or concerns.