Legal

Terms of Use

Last updated October 16, 2026

The short version: Waypoint Market AI helps us evaluate property insurance niches. Nothing on this site is an offer, quote, binder or advice, and anything shown is indicative only. No agreement, relationship or obligation of any kind exists between you and Waypoint Specialty until a written agreement is signed by both parties.

01Who we are and accepting these terms

Waypoint Market AI (the "Site") is operated by Waypoint Specialty ("Waypoint Specialty," "we," "us"). By registering for, accessing or using the Site, or by submitting any information through it, you agree to these Terms of Use on your own behalf and on behalf of the organization you represent. If you do not agree, do not use the Site.

02No agreement or relationship until signed

Registering, submitting a niche, receiving any response or using any feature of the Site does not create a contract, broker-of-record appointment, agency, producer, sub-producer, joint-venture, partnership, fiduciary, advisory or other relationship between you or your organization and Waypoint Specialty. Waypoint Specialty has no obligation to you of any kind, including any obligation to review, respond to, quote, place, bind or service any risk or program, unless and until a written agreement is signed by authorized representatives of both parties, and then only to the extent set out in that agreement.

03Not an offer, quote or binder

Nothing on the Site, including any structure, layer, market pairing, capacity figure, percentage, status, timeline or message, is an offer to sell insurance, a quote, a binder, a certificate, evidence of coverage or a commitment of Waypoint Specialty or any insurer, reinsurer or other capacity provider. Coverage exists only when bound in writing by an authorized party.

04Indicative information only; no reliance

Structures and other outputs shown on the Site are generated for illustration from the information you provide and are indicative only. They may not reflect actual market appetite, availability, terms or pricing, and may change or be withdrawn at any time. Market names and categories describe types of capacity and do not imply the participation or commitment of any specific insurer or reinsurer. You must not rely on any output of the Site in making any business, underwriting, placement or financial decision, and any reliance is at your own risk.

05No guarantee of placement, capacity, pricing or timing

Not every submission can be placed or supported. Waypoint Specialty does not guarantee that any niche will be accepted, that capacity will be available, or any particular terms, pricing, commission or result. Response times and timelines described on the Site, including "within 24 hours," are targets and not commitments.

06Your submissions

You are responsible for the accuracy and completeness of everything you submit, and Waypoint Specialty may rely on it as submitted.
You confirm that you are authorized to share the information you submit and that sharing it does not breach any confidentiality, contractual, privacy or legal obligation you or your organization owe to anyone else.
Do not submit personal information about insureds or claimants, or any information you are not permitted to disclose.
You grant Waypoint Specialty permission to use, store, copy and analyze your submissions to evaluate them, contact you, and develop and improve its products, programs and services.

07No confidentiality, exclusivity or non-circumvention

Unless a separate written confidentiality or other agreement is signed by both parties, submitting information does not create any obligation of confidentiality, exclusivity, non-solicitation or non-circumvention on the part of Waypoint Specialty, apart from handling information in line with its Privacy Policy. Waypoint Specialty works with many agents, brokers, MGAs and capacity providers, and may already be evaluating, or may in future evaluate or develop, niches, programs or products that are similar to or compete with yours.

08Not advice

Nothing on the Site is insurance, legal, tax, accounting, regulatory or financial advice. You should obtain your own professional advice before acting on any information.

09Licensing and eligibility

Any placement is made only through appropriately licensed entities and only where permitted by applicable law, including state insurance licensing and surplus lines requirements. The Site is intended for insurance professionals acting in a business capacity and is not directed to consumers.

10Accounts

You are responsible for keeping your login credentials secure and for all activity under your account. Use your company email address. We may suspend or close accounts, and remove submissions, at our discretion.

11Disclaimer of warranties

The Site and all content and outputs are provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of accuracy, completeness, availability, merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the Site will be uninterrupted, secure or error-free.

12Limitation of liability

To the fullest extent permitted by law, Waypoint Specialty and its affiliates, officers, employees and partners will not be liable for any direct, indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, business, opportunity, data or goodwill, arising out of or relating to the Site, any submission, any output or any reliance on them, however caused and even if advised of the possibility. Where liability cannot be excluded, it is limited to the greatest extent permitted by law.

13Indemnity

You agree to indemnify and hold harmless Waypoint Specialty and its affiliates, officers and employees from any claim, loss or expense arising from information you submit, your breach of these terms, or your misuse of the Site.

14Capacity partner applications

Submitting a capacity partner application, attending any meeting, or receiving any information from Waypoint Specialty creates no commitment, obligation or relationship for either party, including any obligation to provide, accept or allocate capacity, and no exclusivity. Any information Waypoint Specialty shares about niches, programs or submitters is confidential, indicative and unverified, may be used only to evaluate a potential relationship with Waypoint Specialty, and may not be used to approach, solicit or deal with any submitter or program other than through Waypoint Specialty. Any capacity arrangement exists only under a written agreement signed by both parties.

15Fair use and automated access

You may not use bots, scripts, scrapers or other automated means to register, submit, apply or access the Site, or submit information in bulk, without our written permission. We may limit, block, or remove submissions and accounts that we believe are automated, duplicative or abusive.

16Changes

We may change the Site or these terms at any time. Changes take effect when posted, and continued use of the Site means you accept them.

17Contact

Questions about these terms: Waypoint Specialty, 3000 Bayport Drive, Suite 920, Tampa, FL 33607 · contact us through waypointspecialty.com

Waypoint Market AI is a program-development tool of Waypoint Specialty. · Privacy Policy