Coverys Privacy Statement                                        


This privacy statement applies to Coverys.com and Medical Professional Mutual Insurance Company and its subsidiaries, including Med-IQ, Inc. (collectively, “Coverys”, “us”, “our”, or “we”) websites, portals, mobile apps, products, and services that collect data and display these terms (collectively, “Services”). This privacy statement does not apply to Coverys websites, portals, products and services that do not display or link to this statement or that have their own privacy statements.

Please read this privacy statement before using our Services or submitting personal information to us.
 

About Coverys and the Scope of this Notice


Coverys primarily provides medical professional liability insurance and other services to entity customers. In this context, some Coverys business units and groups act as service providers. This means that they collect and use personal information on behalf of, and subject to the instructions of, a client (for example, where a Coverys entity provides claims management services to business customers). As between Coverys and our business customers, our business customers are primarily responsible for how we use and disclose the personal information we collect in our role as a service provider. This privacy statement does not apply any personal information that Coverys maintains on behalf of our business customers. If you have questions about how we process your personal information on behalf of a business customer, we may direct your inquiries to that customer.

In addition, this privacy statement does not apply to information that we collect in connection with issuing a financial product or service and that is subject to the GLBA (Gramm-Leach-Bliley Act) or health/medical information covered by HIPAA (Health Insurance Portability and Accountability Act of 1996). 
 

Information We Collect: Information You Provide


We collect information that either directly identifies you or could reasonably be used in combination with other information to identify you (“personal information”). Through our Services, Coverys collects personal information from you when you choose to share it with us to contact us; request marketing materials, reports, publications and risk management resources; provide information regarding claims or potential claims; submit a membership registration; apply for employment with us; or register to use any password-protected portions of our websites.

The personal information we collect may include your name, address, telephone number, mobile telephone number, e-mail address, job title, employment/education history, NPI Number, and any other information you submit to us. You may also be required to provide certain other information to access and use certain products or services that we offer. We do not require you to register or provide this information to us to view our websites or have access to our content.
 

Information We Collect: Information Collected Automatically


Coverys may use cookies, web beacons, pixel tags, log files, or other technologies to collect certain information about visitors to and users of our websites to monitor interactions with our websites, identify you and maintain your user preferences, tailor web content to match your browser capability, analyze usage trends, administer and improve our websites, identify irregular website behavior, prevent fraudulent activity and improve security.

For example, we may automatically collect certain non-personal information from you, such as the type of web browser and operating system you use, the name of your Internet service provider, Internet Protocol (“IP”) address, software version, and course geolocation information (for example, based on IP address or location of cellular tower used for the connection). In addition, we may collect information about your browsing behavior, such as the date and time you visit our websites, the amount of time you spend viewing or using our websites, the number of times you return to our websites, and other click-stream or Site usage data.

You are always free to block, delete, or disable these technologies if your browser, application or device allows. However, if you decline cookies or other similar technologies, you may not be able to take advantage of certain website features or tools. For more information on how you can block, delete, or disable these technologies, please review your browser or device settings. 

Please review our Cookie Policy for more information. 
 

Information We Collect: Information From Third Parties


We may collect personal information from third parties, such as service and content providers, our affiliated companies and subsidiaries, business partners, data brokers, social media companies, advertising partners and providers, background check firms, data aggregators, and other parties who interact with us.

The type of personal information we obtain from third parties may include your demographic information, interests and publicly observed data (such as from social media and shopping behavior), credit information, and professional experience.
 

How We Use Your Information


Coverys may use the information we collect from and about you for any of the following purposes:
  • Furnish, maintain, and improve our Services;
  • Create accounts and provide you with access to our Services;
  • Communicate with you regarding our Services (for example, reports, publications, and risk management resources);
  • Respond to your inquiries;
  • Enhance and personalize your experience on our Services;
  • Protect the security and integrity of our Services;
  • Develop new products or services;
  • Providing insurance quotes;
  • Conduct research and analyze the use of our Services; 
  • To notify you about changes to our Services or any products or services we offer or provide though it; 
  • In any other way we may describe when you provide the information.
We may also use your information to contact you about our own and our affiliates’ goods and services that may be of interest to you. If you do not want us to use your information in this way, please check the relevant box located on the form on which we collect your data, or “unsubscribe” link in emails.
 

How We Share Your Personal Information


We may disclose personal information that we collect or you provide as described in this privacy statement to our subsidiaries and affiliates.

In the course of doing business, we employ service providers and individuals to perform a variety of functions on our behalf. These service providers may have access to your personal information if it is needed to perform their functions for us, but they are not authorized by Coverys to use or disclose the information except as necessary to perform services on our behalf or to comply with legal requirements. These service providers are also required to maintain the information in confidence.

If you take a continuing education course, we may disclose your personal information to accrediting bodies and other parties that support our educational programs and offerings. 

We also disclose information to advertising partners and ad networks, which help us place online ads that are tailored to the content you are viewing or tailored to your interests. 

In addition, we may disclose information where we think it is necessary to investigate or prevent an actual or suspected crime or injury to ourselves or others, if required by law, or in response to a request from law enforcement authorities or other government officials.

During the normal course of our business, Coverys may sell or purchase assets. If another entity acquires, or seeks to acquire, us or any of our assets, information we have collected about you may be transferred to such entity. In addition, if any bankruptcy or reorganization proceeding is brought by or against us, such information may be considered an asset of ours and may be sold or transferred to third parties. Should a sale or transfer occur, we will use reasonable efforts to try to require that the transferee use personal information provided through our Sites in a manner that is consistent with this privacy statement.

We may also disclose personal information that we collect or you provide as described in this privacy statement to fulfill the purpose for which you provide it, for any other purpose disclosed by us when you provide the information, or with your consent.
 

How We Protect Your Personal Information


Protecting your personal information is important to us. We maintain administrative, technical, and physical safeguards to help protect against unauthorized use, disclosure, alteration, or destruction of the personal information we collect on or through our Services.
 

How Long We Retain your Personal Information


Your personal information will be retained as long as necessary to fulfill the purposes we have outlined above unless we are required to do otherwise by applicable law. This includes retaining your personal information to provide you with the products or services you have requested and interact with you; maintain our business relationship with you; improve our business over time; ensure the ongoing legality, safety and security of our services and relationships; or otherwise in accordance with our internal retention procedures. Once you have terminated your relationship with us, we may retain your personal information in our systems and records to ensure adequate fulfillment of surviving provisions in terminated contracts or for other legitimate business purposes, such as to enable easier future user onboarding, demonstrate our business practices and contractual obligations, or provide you with information about our products and services in case of interest. If you would like to know more about the retention periods applicable to your personal information, you can contact us using details provided in the Contact Us section below.
 

Links to Other Sites


Our Services may provide access to other websites outside our control. When you link to these websites, you leave our Services and your communications are no longer protected by this privacy statement. Links to other websites are provided as a service, but Coverys does not endorse such websites or validate their content. We are not responsible for the privacy practices or the content of non-Coverys websites or online products and services. We recommend that you review the privacy statement and terms and conditions of those websites to fully understand what information is collected and how it is used.
 

Note to California Residents


If you are a California Resident, please click here to review our California Privacy Notice for additional disclosures about how we use and share your personal information, and the rights you have related to your information.
 

Note to EU and UK Residents


Where applicable under EU and UK privacy laws, the legal basis for our collection and use of your personal information may include any of the following:
  • Performance of a contract. We process your personal information as necessary to perform our obligations under any contract with you, such as to provide our Sites or services to you or complete transactions.
  • Consent. We may ask for your consent to use your personal information, including if we need your consent to engage in certain marketing activities. If we obtain your consent as a legal basis for processing, you may withdraw your consent at any time.
  • Legitimate interests. We have a legitimate interest in using your personal information for our business purposes, including operating, improving, and marketing our business and Services. 
  • Compliance with a legal obligation. We may need to use your personal information to comply with applicable legal requirements.

Depending on the context in which we process your personal information, you may have the following rights:
  • The right to access your personal information 
  • The right to correct inaccurate personal information that we maintain about you
  • The right to delete your personal information under specific circumstances
  • The right to object to or restrict the processing of your personal information 
  • The right to data portability, which means requesting a copy of your personal information in an accessible format 
  • The right to withdraw your consent under certain circumstances
  • The right to lodge a complaint with the relevant data protection supervisory authority. Where applicable, you can find contact information for your data protection supervisory authority on the European Data Protection Board’s website, https://edpb.europa.eu/about-edpb/about-edpb/members_en, or through other publicly available sources. 

To the extent any of the above rights are applicable, you may exercise your rights by emailing us at CoverysPrivacy@Coverys.com
 

Data Storage and Transfers


Where applicable under privacy laws, we have implemented appropriate cross-border transfer mechanisms when transferring your personal information to a country outside of your home jurisdiction, including, where relevant, the EU Standard Contractual Clauses. You may request a copy of our transfer mechanism by contacting us at CoverysPrivacy@Coverys.com.
 

Do Not Track Signals 


Our websites do not recognize browser “do-not-track” signals or similar mechanisms. We may allow third parties, such as companies that provide us with analytics tools, to collect personal information about an individual consumer’s online activities over time and across different websites when a consumer uses the services.
 

Children under the Age of 13


Our websites are not intended for children under 13 years of age. No one under age 13 may provide any personal information to or on the websites. We do not knowingly collect personal information from children under 13.
 

Updates to Our Privacy Statement


If we decide to change our privacy statement in a material way, we will post a notification highlighting those changes on our home page found at Coverys.com.
 

How to Contact Us


If you have any questions or comments about this privacy statement or the ways in which we use information subject to this statement, please do not hesitate to contact us:  

One Financial Center, Boston, MA 02111
Tel: 866.432.6700
CoverysPrivacy@Coverys.com


Effective Date: January 31, 2024 
 
Please click here for the Coverys California Privacy Notice

Please click here for the Privacy Notice for business underwritten by Coverys Managing Agency Limited

Please click here for the Privacy Notice for business underwritten by DTW 1991
 

HIPAA Business Associate Agreements


For Medical Professional Mutual Insurance Company, ProSelect Insurance Company, and Preferred Professional Insurance Company, click here; for Coverys Risk Retention Group, Inc., click here.