terms & conditions of use

Last Updated: October 30, 2026

These Terms and Conditions of Use (“Terms”) govern your use of the website operated by Stephen M. Mealey d/b/a Mealey Insurance Agency, doing business as Mealey Insurance (“Mealey Insurance,” the “Agency,” “we,” “us,” or “our”), including the information, features, forms, links, portals, and services made available through the website (collectively, the “Website”).

By accessing or using this Website, you agree to these Terms and acknowledge our Privacy Policy. If you do not agree with these Terms, please discontinue use of the Website.

1. General Information Only

Information contained on this Website is provided for general informational and educational purposes.

Descriptions of insurance products, coverages, limits, deductibles, exclusions, endorsements, conditions, pricing, risk-management issues, or other insurance matters are general summaries only and are not intended to provide a complete description of any insurance policy or coverage.

Actual insurance coverage is governed solely by the terms, conditions, limitations, exclusions, endorsements, declarations, and other provisions of the applicable insurance policy issued by the insurance carrier.

If information on this Website differs from the terms of an insurance policy, the insurance policy will control.

Nothing on this Website constitutes legal, tax, accounting, financial, medical, or other professional advice.

2. Insurance Products and Licensing

Insurance products and services are subject to availability, applicable law, insurance-carrier underwriting requirements, eligibility requirements, and the terms and conditions established by the applicable insurance carrier.

Not every insurance product, coverage, carrier, or service referenced on this Website is available to every person or business or in every jurisdiction.

Mealey Insurance offers and solicits insurance products and services only where the Agency and/or its insurance professionals are properly licensed or otherwise authorized to do so.

Nothing on this Website constitutes an offer or solicitation to sell insurance in a jurisdiction in which such activity would be unlawful.

3. Requests to Bind, Change, Cancel, or Reinstate Coverage

Do not assume that insurance coverage has been bound, issued, changed, cancelled, reinstated, or renewed solely because you submitted information or a request through this Website, email, text message, voicemail, or another electronic communication method.

The effectiveness of any insurance transaction depends upon the applicable insurance policy, carrier requirements, underwriting approval when applicable, applicable law, and confirmation or processing by the appropriate authorized party.

You should obtain confirmation of any requested insurance transaction, including its effective date when applicable.

Unless a particular Website feature or communication method expressly states otherwise, you should not rely upon electronic submission alone for an urgent insurance coverage request.

If your request is time-sensitive, please contact our office directly and obtain confirmation.

4. Quotes and Applications

Any insurance quote, estimate, premium indication, or other pricing information is subject to verification of the information provided, underwriting requirements, eligibility, inspections where applicable, carrier approval, and availability of coverage.

A quote is not an insurance contract and does not guarantee that insurance will be offered, issued, or available at the quoted price.

You are responsible for providing information that is accurate and complete to the best of your knowledge.

Insurance carriers and other authorized parties may rely upon information provided in connection with insurance applications, underwriting, policy changes, and other insurance transactions.

5. Claims

If you experience a loss or believe you may have an insurance claim, you should promptly follow the claim-reporting instructions contained in your policy or contact Mealey Insurance or the applicable insurance carrier.

Unless a Website feature specifically identifies itself as an authorized claim-reporting system, you should not assume that submitting a general contact form, email, or other Website communication constitutes formal notice of a claim.

Nothing on this Website alters any rights, duties, deadlines, or obligations contained in an insurance policy or required by applicable law.

6. Certificates and Evidence of Insurance

Requests for certificates of insurance, evidence of property insurance, automobile identification cards, binders, or other evidence of insurance are subject to verification of existing coverage.

A certificate of insurance or other evidence of insurance does not amend, extend, or alter the coverage provided by an insurance policy.

Submitting a request does not guarantee that requested wording, additional insured status, waiver, endorsement, or other coverage modification can or will be provided.

Any requested change that requires an insurance-policy endorsement is subject to applicable carrier requirements and approval.

7. Policy Documents Control

Insurance descriptions appearing on this Website are summaries only.

Insurance policies and coverage forms vary by insurance carrier and may contain different definitions, limitations, exclusions, conditions, endorsements, and eligibility requirements.

The actual insurance policy and applicable endorsements control the contractual rights and obligations of the insured and insurance carrier.

Please contact Mealey Insurance if you have questions regarding your particular insurance coverage.

8. Third-Party Websites and Services

This Website may contain links to websites, portals, applications, payment systems, claim-reporting systems, or other services operated by insurance carriers or other third parties.

Third-party links are provided for convenience.

Mealey Insurance does not control and is not responsible for the content, availability, accuracy, security, privacy practices, or operation of third-party websites or services.

The inclusion of a link does not necessarily constitute an endorsement of the third party or its products or services.

Use of a third-party website or service is subject to that third party's own terms, conditions, and privacy practices.

9. Client Portals and Online Accounts

If we make a client portal or online account service available, you are responsible for maintaining the confidentiality and security of your username, password, authentication credentials, and account information.

You should not provide your login credentials to unauthorized persons.

Please notify Mealey Insurance or the applicable portal provider promptly if you believe your account or credentials have been compromised.

10. Electronic Communications

Email, text messaging, Website forms, and other electronic communications may not always be secure.

When Mealey Insurance provides or requests the use of a secure portal, encrypted system, or other secure method for transmitting sensitive information, you should use that method.

Please avoid sending highly sensitive information through unsecured electronic communications unless specifically instructed to do so.

Our collection and use of personal information is addressed in our Privacy Policy.

11. Acceptable Use

You may use this Website only for lawful purposes.

You may not use the Website to gain unauthorized access to systems or accounts; interfere with the Website's operation or security; introduce malware or malicious code; engage in fraudulent or unlawful activity; impersonate another person; knowingly submit false or misleading information; improperly collect information about others; or reproduce, distribute, sell, or commercially exploit Website content without authorization.

You may not use automated scraping, bots, or similar tools to access or collect information from the Website without our authorization.

We reserve the right to restrict access to the Website when reasonably necessary to protect the Website, our users, our customers, or our systems.

12. Intellectual Property

Unless otherwise stated, original Website content, including text, graphics, photographs, designs, logos, icons, videos, and downloadable materials, is owned by or licensed to Mealey Insurance and may be protected by applicable intellectual-property laws.

Names, trademarks, service marks, and logos belonging to insurance carriers and other third parties remain the property of their respective owners.

You may view or print Website materials for your personal or internal business use. No other rights are granted except as permitted by applicable law or with authorization from the applicable rights holder.

13. Information Submitted to Us

When you submit information through this Website for purposes such as requesting an insurance quote, requesting service, applying for insurance, or contacting us, you authorize us to use the information for the purpose for which it was submitted and for related legitimate business purposes consistent with our Privacy Policy and applicable law.

You represent that you are authorized to provide information you submit concerning yourself or another person, business, property, or entity.

Submission of information does not, by itself, create or modify an insurance policy or obligate an insurance carrier to provide coverage.

14. Website Availability

We make reasonable efforts to provide accurate and useful Website information. Nevertheless, information may occasionally contain errors, omissions, technical inaccuracies, or outdated information.

We may change, update, suspend, or discontinue portions of the Website from time to time.

To the fullest extent permitted by applicable law, the Website is provided on an “as is” and “as available” basis, and we do not guarantee uninterrupted or error-free availability.

15. Limitation of Liability

To the fullest extent permitted by applicable law, Mealey Insurance and its owners, employees, representatives, contractors, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising solely from use of or inability to use this Website.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

Nothing in these Terms alters rights or obligations arising under an insurance policy or applicable insurance law.

16. Indemnification

To the fullest extent permitted by applicable law, you agree to indemnify and hold harmless Mealey Insurance and its owners, employees, representatives, contractors, affiliates, and service providers from claims, liabilities, damages, losses, and reasonable costs arising from your unlawful use of the Website, material violation of these Terms, or infringement of another person's rights.

17. Privacy

Use of this Website is also subject to our Privacy Policy.

The Privacy Policy explains how we collect, use, disclose, and protect personal information.

The Privacy Policy is incorporated into these Terms by reference to the extent applicable.

18. Changes to These Terms

Mealey Insurance may revise these Terms periodically.

Revised Terms will be posted on this Website with an updated “Last Updated” date.

Changes become effective when posted unless otherwise stated or required by applicable law.

Your continued use of the Website following publication of revised Terms constitutes acceptance of those revised Terms to the extent permitted by law.

19. Governing Law

These Terms and use of this Website will be governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-law principles, except where another jurisdiction's law is required to apply.

Any legal proceeding concerning these Website Terms will be brought in a court of competent jurisdiction, subject to applicable law.

20. Severability

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision will be enforced to the fullest extent permitted by law, and the remaining provisions will remain in effect.

21. No Waiver

Failure by Mealey Insurance to enforce a provision of these Terms does not constitute a waiver of that provision or of the right to enforce it in the future.

22. Entire Website Agreement

These Terms, together with our Privacy Policy and any additional terms specifically applicable to an online service, constitute the agreement regarding use of this Website.

These Website Terms do not replace, modify, or supersede any insurance policy, binder, endorsement, carrier agreement, or other insurance contract.

23. Contact Information

Questions regarding these Terms may be directed to:

Stephen M. Mealey d/b/a Mealey Insurance Agency
P.O. Box 48
Shrewsbury, MA 01545

Phone: 877-568-6325
Email: support@mealeyinsurance.com
Website: www.mealeyinsurance.com

For requests involving insurance coverage, policy changes, cancellations, claims, or other time-sensitive insurance matters, please contact our office directly and obtain appropriate confirmation.