This page sets forth the terms and conditions (these "Terms and Conditions") under which Medical Professional Mutual Insurance Company and its subsidiaries (collectively, "Coverys") provide the information and materials on this website (this "Site"), as well as the terms and conditions governing your use of this Site. BY MAKING USE OF THIS SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ AND AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. As more fully set forth below, these Terms and Conditions are subject to change.
Coverys is committed to protecting your privacy. Please view our Privacy Statement.
Use of the Site
You may only make use of this Site for yourself and not for the benefit of anyone else, unless otherwise expressly authorized by Coverys. All uses of this Site must be for legally-permitted purposes, and you may not use this Site in any manner that harms any other person or infringes or violates any other person's rights. By submitting any information through this Site, you thereby certify that such information is true and accurate in all respects.
Products and Services
The information and material (collectively the "Materials") contained on this Site are not, and should not be viewed as, an offer to sell, nor as a solicitation to purchase, any of our insurance products or services. Rather, the Materials are provided to you for informational purposes only, so that you can learn what insurance products and services Coverys offers. In addition, we may make available certain non-insurance products and/or services that may be of interest to you, such as continuing medical education (CME) courses. Those non-insurance products and services may be subject to their own, separate terms and conditions, to which you must agree before obtaining or using those products or services.
Coverys offers insurance products and services through its member insurance companies, Medical Professional Mutual Insurance Company (ProMutual), ProSelect Insurance Company (ProSelect), MHA Insurance Company (MHAIC), Washington Casualty Company (WCC). In addition, Coverys has established ProMutual Solutions Insurance Company, a sponsored captive insurance company licensed and authorized to do business in Vermont, and Capital Risk Solutions, SPC, a segregated portfolio captive insurer in the Cayman Islands. Coverys has offices in Boston, Mass., Lansing, Mich., Morristown, N.J. and Maple Valley, Wash.
Statements regarding insurance coverages are for general description purposes only. This Site does not amend, modify or supplement any insurance policy. Not all products and services described here are available in all states. Consult your policy or contact us for the name of an agent who can supply you with details regarding terms, conditions, coverages, exclusions, products and services which may be available to you.
Changes to Materials
The Materials on this Site may be changed or updated without notice. Coverys may also make improvements and/or changes in the products and services described on this Site at any time without notice.
No Professional Advice
The Materials provided on this Site are distributed for informational purposes only and are not intended to, and do not, constitute insurance, legal, financial or other advice.
Information Submitted to this Site
All information that you submit to or through this Site (other than your personally-identifiable information), by email or otherwise, is the property of Coverys and may be disclosed, licensed and otherwise used by Coverys for any purpose, in Coverys’ sole discretion. To the extent that Coverys is prohibited by operation of applicable law from owning such information, you hereby grant a non-exclusive, worldwide license to use such information, in Coverys’ sole discretion, to the full extent permitted by applicable law.
The intellectual property in this Site and Materials on this Site are owned by Coverys or its licensors. You may cite or refer to the Materials on this Site and download or print a single copy of the Materials for your own use, but not for distribution to anyone else. You must have our written permission to reproduce more than a single copy of any Materials or to distribute copies of any Materials to others. To request such permission, send a message via email to: email@example.com. Please include your name, address and the purpose of the requested distribution.
All trademarks, service marks, logos and other indicia ("Trademarks"), unless otherwise specified, are proprietary to Coverys and nothing herein or on this Site may be construed as a license or permission, by implication or otherwise, to use or display any of the Trademarks, other than on any copies that you are permitted to make pursuant to these Terms and Conditions. You agree not to obscure or modify any intellectual property notices (such as a trademark or copyright symbol) that appears on any of the Materials.
Any use of the Materials, except as expressly provided in these Terms and Conditions, is prohibited. Unauthorized use of the Materials may violate intellectual property, privacy, and other laws and regulations and may subject you to liability.
Some of the pages on this Site provide hypertext links to other websites created by other organizations. Because those other websites are not under our control, we cannot guarantee the quality, accuracy, or timeliness of those websites. A link to those websites is not an adoption by Coverys of the views expressed or of the products and services sold on those websites.
Disclaimers and Limitations of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE MATERIALS ON THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, AND COVERYS DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, COVERYS DOES NOT REPRESENT, WARRANT OR COVENANT THAT THE OPERATION OF THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL ELEMENTS. COVERYS ALSO ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR COMPUTER OR OTHER PROPERTY AS A RESULT OF YOUR ACCESS TO OR USE OF THIS SITE OR YOUR VIEWING OR DOWNLOADING OF ANY MATERIALS FROM THIS SITE.
WHILE COVERYS USES REASONABLE EFFORTS TO INCLUDE ACCURATE AND UP-TO-DATE MATERIALS ON THIS SITE, ERRORS OR OMISSIONS SOMETIMES OCCUR. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, COVERYS DOES NOT MAKE ANY REPRESENTIONS, WARRANTIES OR COVENANTS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS SITE, NOR REGARDING THEIR COMPLETENESS, ACCURACY, RELIABILITY, OR OTHERWISE. UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL COVERYS OR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS SITE BE LIABLE TO YOU FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS SITE AND MATERIALS ON THIS SITE, EVEN IF COVERYS OR A REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN THE EVENT THAT YOU FOLLOW A LINK AVAILABLE ON THIS SITE TO A THIRD PARTY-SITE, IN NO EVENT SHALL COVERYS BE LIABLE TO YOU FOR ANY DAMAGES, LOSSES OR CAUSES OF ACTION ARISING FROM YOUR USE OF SUCH THIRD-PARTY SITE.
IN NO EVENT SHALL COVERYS’ TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING OR USING THIS SITE.
THESE TERMS AND CONDITIONS ARE NOT NECESSARILY INTENDED TO BE COMPLETE DESCRIPTIONS OF ALL TERMS, EXCLUSIONS AND CONDITIONS APPLICABLE TO THE PRODUCTS AND SERVICES, AND ARE PROVIDED SOLELY FOR GENERAL INFORMATIONAL PURPOSES; YOU MUST REFER TO YOUR ACTUAL POLICY, OR OTHER TERMS AND CONDITIONS GOVERNING PARTICULAR PRODUCTS AND SERVICES, FOR ANY SPECIFIC INFORMATION.
Some portions of this Site are restricted and require a password for access ("Restricted Areas"). Unauthorized use of, or access to, these areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Access to Restricted Areas may be monitored, analyzed and recorded and any information obtained regarding actual or suspected unauthorized access may be given to law enforcement to investigate and prosecute.
IF YOU ARE AN AUTHORIZED USER OF ANY RESTRICTED AREA, DO NOT SHARE YOUR PASSWORD WITH ANYONE. Your authorization to access the Restricted Areas is limited to those specific Restricted Areas for which you are granted access by Coverys; access to any other Restricted Areas will be deemed unauthorized access. If you are an authorized user of any Restricted Area, you are responsible for the security/confidentiality of your password and your security questions/answers, if any. If you suspect that your password has been compromised in any way, change your password immediately. If you suspect any unauthorized activity in or with your account, you should contact Coverys immediately. Coverys will not be responsible if you do not properly secure your password or if you share your password with anyone else.
Coverys reserves the right to suspend access to any restricted area at any time.
All Materials available in Restricted Areas should be assumed to be confidential information of Coverys or third parties ("Confidential Information") and, unless otherwise authorized in writing by Coverys, shall be held by you in the strictest confidence. This means that you may not copy any of the Confidential Information, or share it with any third party. If the Confidential Information is information that you provided Coverys or, if you are an authorized representative of a company, that such company provided Coverys, then the information about you or your company (but not any other individuals or entities), as applicable, is not subject to the foregoing limitations. However, such information may still be subject to legal, fiduciary or contractual obligations between you and your employer/client, so treat all such information with due caution, even if you know it is not Confidential Information.
If any provision of these Terms and Conditions is for any reason deemed be invalid, unenforceable, illegal or void, in any jurisdiction, such provision shall not be in effect in such jurisdiction without invalidating or affecting the validity, legality or enforceability of any other provision of these Terms and Conditions or the validity, legality or enforceability of such provision in any other jurisdiction.
These Terms and Conditions shall be governed by and interpreted according to the laws of the Commonwealth of Massachusetts, without regard to its conflict of laws principles, and you hereby consent to the exclusive personal jurisdiction of the federal or state courts, as applicable, of Massachusetts with respect to any matters arising from or related to these Terms and Conditions, and you hereby waive any claim of inconvenient forum.
Changes to the Terms and Conditions
The contents of this Site and these Terms and Conditions are subject to change by Coverys. We will post any changes on this Site. BY CONTINUING TO USE THIS SITE AFTER POSTING OF NEW TERMS AND CONDITIONS, YOU AGREE TO BE BOUND BY THE NEW TERMS AND CONDITIONS.
These Terms and Conditions were last revised July 25, 2011.