Welcome to the website of Duncan & Associates Insurance Brokers (also doing business as “Duncan Insurance,” “Company,” “we,” “our,” or “us”). By accessing or using this website (https://duncanins.com/), you agree to comply with and be bound by the following Terms and Conditions. If you do not agree, please do not use this website.
1. Use of Website
This website is provided for general informational purposes regarding insurance products and services, including personal, business, and employee benefits insurance solutions.
By using this site, you agree that:
- You are at least 18 years old
- You will use this website only for lawful purposes
- You will not attempt to interfere with the website’s functionality or security
2. No Professional Advice
The content on this website is for informational purposes only and does not constitute legal, financial, or insurance advice.
Insurance coverage descriptions are general in nature and may not include all terms, conditions, and exclusions. Coverage is subject to the terms of the actual insurance policy issued.
For personalized advice, please contact a licensed insurance agent.
3. Insurance Quotes & Applications
Any quote or estimate provided through this website:
- Is non-binding
- May change based on additional information or underwriting review
- Does not guarantee coverage
Submission of information through forms does not constitute a binding agreement to purchase insurance.
4. Third-Party Insurance Providers
As an independent insurance agency, we work with multiple insurance carriers to provide coverage options.
We do not underwrite policies ourselves and are not responsible for:
- Policy decisions made by insurance carriers
- Claims handling or claim outcomes
- Coverage determinations
All insurance products are subject to the terms of the issuing carrier.
5. Communications & SMS/Text Messaging Terms
By providing your phone number and opting in to receive communications from Duncan & Associates Insurance Brokers (Duncan Insurance), you consent to receive text messages and other communications from us.
Types of Messages You May Receive
You may receive messages including, but not limited to:
- Insurance quotes and follow-ups
- Policy updates and renewal reminders
- Appointment confirmations and scheduling
- Customer service and support messages
- Promotional or marketing communications (if opted in)
Message Frequency
Message frequency may vary depending on your interaction with us, but you can generally expect periodic messages related to your inquiries, policies, or services.
Message & Data Rates
Message and data rates may apply depending on your mobile carrier and plan.
Customer Care / Help
For assistance:
- Text HELP to the number you received messages from
- Email: info@duncanins.com
- Phone: (360) 352-7588
Opt-Out Instructions
You may opt out of receiving text messages at any time by:
- Texting STOP to the number you received messages from
After you opt out, you will no longer receive SMS messages from us unless you opt back in.
6. Intellectual Property
All content on this website, including text, graphics, logos, and design, is the property of Duncan & Associates Insurance Brokers or its licensors and is protected by applicable copyright and trademark laws.
You may not:
- Reproduce, distribute, or modify content without written permission
- Use our branding without authorization
7. User Submissions
When you submit information through contact forms or quote requests, you agree that:
- The information provided is accurate and complete
- You consent to being contacted by us via phone, email, or text (if you opt in)
We reserve the right to reject or ignore incomplete or inaccurate submissions.
8. Privacy
Your use of this website is also governed by our Privacy Policy. By using this site, you consent to the collection and use of your information as outlined in that policy.
9. Limitation of Liability
To the fullest extent permitted by law, Duncan & Associates Insurance Brokers shall not be liable for any:
- Direct, indirect, incidental, or consequential damages
- Losses resulting from reliance on website content
- Errors, omissions, or interruptions in website availability
Use of this website is at your own risk.
10. Disclaimer of Warranties
This website is provided “as is” and “as available.” We make no warranties, express or implied, including:
- Accuracy or completeness of content
- Availability or uninterrupted access
- Fitness for a particular purpose
11. External Links
This website may contain links to third-party websites. We are not responsible for:
- The content or accuracy of those websites
- Their privacy practices
- Any damages resulting from their use
12. Changes to Terms
We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Continued use of the website constitutes acceptance of any changes.
13. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Washington, without regard to conflict of law principles.
14. Contact Information
If you have questions about these Terms and Conditions, please contact:
Duncan & Associates Insurance Brokers (Duncan Insurance)
2111 Harrison Avenue NW
Olympia, WA 98502
Phone: (360) 352-7588
Email: info@duncanins.com
