Last Updated: July 31, 2025

Physicians Insurance—Terms of Use

1. ACCEPTANCE OF TERMS
   This site is owned and operated by Physicians Insurance A Mutual Company, its subsidiaries, and Physicians Insurance Risk Retention Group, Inc. (collectively, “Physicians Insurance”). These terms of use (“Terms of Use”) govern your use of any websites that we own and control, and our online services, events, and webinars, including those we deliver via third-party platforms, and any interactive features, widgets, plug-ins, applications, content, downloads, and ‎other services that we may own and control and make available through any websites that post a link to or otherwise reference these terms of Use, including any services or any self-service platform we offer (collectively, the ‎‎“Services”), regardless of how you access or use them, whether via personal computers, mobile ‎devices or otherwise (each, a “Device”). To the extent that we provide you notice on the Services of different or ‎additional terms of use, those additional terms shall govern your use of the Services. ‎
   Your use of the Services constitutes your agreement to these Terms of Use.‎
   In addition to reading these Terms of Use, please review our Privacy Policy, which applies to our collection, use, and sharing of your information on the ‎Services. If you do not agree to the terms of our Privacy Policy or these Terms of Use, please ‎do not access or otherwise use this website or any information or content contained on the ‎Services.‎
   These Terms of Use may be revised periodically at any time. It is your responsibility to visit the ‎Services frequently to review carefully the current terms and conditions of use that govern your ‎continued use of the Services and access to Site Content (as defined below). When we modify these Terms of Use, we will update the effective ‎date above. Your use of the Services following the posting of updated Terms of Use ‎constitutes your acceptance of such new Terms of Use. Each and every time you access and use ‎the Services you shall be deemed to have agreed to the then-current terms and conditions of use. ‎As a condition of your use of the Services, you warrant that you will not use the Services for any ‎purpose that is unlawful or prohibited by these Terms of Use, or reproduce or distribute any ‎portions of the Services or Site Content for any commercial use, except as authorized herein.‎
    

   1.    INTELLECTUAL PROPERTY
   The design of the Services and its content, including the text, information, data, software, ‎‎scripts, graphics, photos, sounds, videos, music, interactive features, products, materials, ‎‎services and the like, and any trademarks, service marks, and logos contained therein (“Site ‎‎Content”), are the exclusive property of or are licensed by Physicians Insurance and are protected by applicable copyright and ‎‎other intellectual property laws. Physicians Insurance hereby grants you a limited, non-exclusive, revocable, ‎‎non-sublicensable, and non-transferrable license to view and download the Site ‎‎Content only for your personal use, provided that you retain all copyright and other proprietary ‎‎notices on any permitted copies of the materials. You may not copy, reproduce, ‎‎modify, adapt, display, perform, publish, create derivative works from, store, ‎‎translate, sell, rent, or otherwise exploit these Service or the Site Content without our permission. You agree to ‎‎not engage in the use, copying, or distribution of any of the Site Content, whether manually ‎‎or by using robot, scraper, crawler or any other automated device or process, other than as ‎‎expressly permitted or as reasonably necessary to use the Services for its intended ‎‎purpose, including any use, copying, or distribution of Site Content for any commercial ‎‎purposes. You will in no way obtain any ownership interest in the Site Content.‎
   The display of any trade names, trademarks, service marks, logos, or domain names on this ‎‎Website does not imply that a license of any kind has been granted to you with respect to such ‎‎trade names, trademarks, service marks, logos, or domain names except as explicitly stated ‎‎herein. Any unauthorized downloading, re-transmission or other copying or modification of ‎‎trade names, trademarks, service marks, logos, or domain names may be a violation of ‎‎trademark laws and could subject you to legal action.‎
    

   2.    SERVICES USE AND RESTRICTIONS
   Any unauthorized use by you of these Services for any purpose is prohibited. We may suspend or terminate the availability or your use of the Services (and any elements or features of it), in whole or in part, for any reason, and at any time, in our sole discretion, and without advance notice or liability to you.

   You agree that you will not: (i) use our Services for any political or commercial purpose, aside from as permitted by the functionality of the Services or Physicians Insurance; (ii) engage in any activities through or in connection with our Services that attempt to or actually do harm to any individuals or entities or are unlawful, offensive or abusive, or that violate any right of any third party, or are otherwise objectionable to Physicians Insurance in its sole discretion; (iii) reverse engineer, decompile, disassemble, reverse assemble or modify any Services source or object code or any software or other products, services or processes accessible through any portion of our Services; (iv) engage in any activity that interferes with another user’s access to our Services or the proper operation of our Services, or otherwise causes harm to our Services, Physicians Insurance or other users; (v) use Site Content in a manner that suggests an unauthorized association with any of our products, services or brands; (vi) interfere with or circumvent any security or access feature of our Services; or (vii) otherwise violate these Terms of Use or applicable law.

   
   3.    Our Services may include online events and webinars, which we may host using third party virtual meeting or webinar platforms. Your participation in such events and webinars is subject to these Terms of Use and, where applicable, the terms of use and privacy policies of the relevant third party platform. You are responsible for ensuring that any device, software, and connections you use to access an online event or webinar are secure and suitable for such access. 

   
   3.    CREATING USER ACCOUNTS‎
   Some of the Services features may require an applicable User to register for an account through an ‎online registration process. When you register for an account, you will select login ‎credentials and you agree that you: (i) will not use a username (or e-mail address) used by ‎someone else, that impersonates another person, belongs to another person, violates the ‎intellectual property or other right of any person or entity or that is offensive; (ii) will provide ‎true, accurate, current and complete registration information about yourself and your organization during any ‎registration process and will update it as needed to keep it accurate; (iii) will immediately ‎notify us of any unauthorized use of your account, password or username, or any other ‎breach of security; and (iv) will not sell, transfer, or assign your account or any account ‎rights. You are solely responsible for all activities that occur under your account, password ‎and username whether or not you authorize the activity. You are solely responsible for ‎maintaining the confidentiality of your password and for restricting access to your device(s) ‎so that others may not access any password-protected portion of our Services using your name, ‎username, or password. We will not be liable for any loss or damage (of any kind and under ‎any legal theory) to you or any third party arising from your inability or failure for any reason ‎to comply with any of the foregoing obligations in this section. If any information that you ‎provide, or if we have reasonable grounds to suspect that any information that you provide, ‎is false, inaccurate, outdated or incomplete, or violates these Terms of Use, or any applicable law, ‎we may suspend or terminate your account. We also reserve the more general and broad ‎right to terminate your account, or suspend or otherwise deny you access to it, or its benefits ‎all in our sole discretion, for any reason, and without advance notice or liability.

   4.    ONLINE SUBMISSION OF CLAIMS
   You may be able to submit online claims for insurance benefits under an existing Physicians ‎‎Insurance Policy. If you submit an online claim, you agree that you will not submit any ‎‎information that you know to be, or have reason to believe to be, false, fraudulent, deceptive, ‎‎inaccurate, misleading, or infringing on any third party’s rights.‎
   When submitting a claim online, you may be redirected to a third-party website. Physicians Insurance does ‎‎not control any third-party website, and these Terms of Use do not apply to your use of any ‎‎third-party website. Please be sure to read the terms of use of any third-party website you visit.‎

   5.    ONLINE BILL PAY 
   To submit any online payments to our Services, you must be at least the applicable age of ‎‎majority in your jurisdiction of residence. If you choose to make an online payment, you will be ‎‎taken to our third-party payment processor’s website and you will be prompted to supply ‎‎payment information. By submitting that information to our credit or debit card processor, you hereby ‎‎agree that you authorize us and/or our processor to charge your card at our convenience, but ‎‎within thirty (30) days of credit or debit card authorization. You hereby represent and warrant to us that you ‎‎will not use any credit or debit card or other form of payment unless you have all necessary legal ‎‎authorization to do so. You agree to pay all fees and charges incurred in connection with your ‎‎payments (including any applicable taxes) at the rates in effect when the charges were incurred. ‎‎If Physicians Insurance does not receive payment from your credit card issuer or its agent, you agree to pay ‎‎all amounts due upon demand by Physicians Insurance or its agents.‎
    

   6.    SECURITY AND COMMUNICATIONS
   You should be aware that the Internet is not secure. If you choose to send any electronic communications by means of these Services, you do so solely at your own risk, and in doing so you consent to receive communications from us electronically. Physicians Insurance does not guarantee that electronic communications will not be intercepted or changed or that they will reach the intended recipient securely. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically, satisfy any applicable legal requirement that such communications be in writing.
    

   7.    LINKS TO THIRD-PARTY SITES
   THESE SERVICES MAY PROVIDE HYPERLINKS TO WEBSITES OPERATED BY PERSONS AND ENTITIES OTHER THAN PHYSICIANS INSURANCE THAT WILL LET YOU LEAVE PHYSICIANS INSURANCE’S WEBSITE. THE LINKED SITES ARE NOT UNDER THE CONTROL OF PHYSICIANS INSURANCE, AND PHYSICIANS INSURANCE DOES NOT MONITOR, ENDORSE, OR ACCEPT RESPONSIBILITY FOR THE CONTENTS OF ANY LINKED SITE OR ANY LINK CONTAINED IN A LINKED SITE, OR ANY CHANGES OR UPDATES TO SUCH SITES. PHYSICIANS INSURANCE IS NOT RESPONSIBLE FOR WEBCASTING OR ANY OTHER FORM OF TRANSMISSION RECEIVED FROM ANY LINKED SITE. YOU ARE SOLELY RESPONSIBLE FOR DETERMINING THE EXTENT TO WHICH YOU MAY USE ANY CONTENT OR SERVICES PROVIDED AT ANY OTHER WEB SITES THAT YOU MIGHT LINK TO FROM THESE SERVICES. YOU AGREE NOT TO HOLD PHYSICIANS INSURANCE RESPONSIBLE FOR THE CONTENT OR OPERATION AT ANY OTHER SITE TO WHICH YOU MIGHT LINK FROM THESE SERVICES. 
   CERTAIN ONLINE EVENTS OR WEBINARS, MAY BE MADE AVAILABLE ON OR THROUGH THIRD PARTY PLATFORMS OR WEBSITES. YOUR USE OF ANY SUCH THIRD PARTY PLATFORMS OR WEBSITES IS SUBJECT TO THEIR OWN TERMS OF USE AND PRIVACY POLICIES, AND NOT THESE TERMS OF USE.
   Selected content on ‎Physicians Insurance’s Services is provided by a third party. Physicians Insurance has no control over, and takes no ‎responsibility for supplementing, correcting, or updating that information. Furthermore, Physicians Insurance ‎makes no warranties or representations of any kind, whether with respect to such third-party ‎content’s accuracy, completeness, timeliness, or otherwise. Physicians Insurance has no obligation to correct ‎or update that information and shall not be liable for damages of any kind arising out of your ‎access, inability to access, or reliance upon the information contained or services offered on these other websites.
    

   8.    DISCLAIMERS
   YOUR ACCESS TO AND USE OF THESE SERVICES IS AT YOUR SOLE RISK. YOU ARE ‎ENTIRELY LIABLE FOR YOUR ACTIVITIES, AND PHYSICIANS INSURANCE AND/OR ITS AGENTS MAKE NO REPRESENTATIONS ABOUT THE ACCURACY, COMPLETENESS, TIMELINESS, AVAILABILITY, USEFULNESS, OR OTHER CHARACTERISTICS OF THE SERVICES OR ANY SITE CONTENT. THESE SERVICES AND THE INFORMATION ON IT ARE PROVIDED BY PHYSICIANS INSURANCE ON AN “AS IS” AND“ AS AVAILABLE” BASIS. PHYSICIANS INSURANCE MAKES NO REPRESENTATIONS OR WARRANTIES TO YOU OF ANY KIND, EXPRESS OR IMPLIED.TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, PHYSICIANS INSURANCE HEREBY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. PHYSICIANS INSURANCE DOES NOT WARRANT TO YOU THAT THESE SERVICES ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER HARMFUL COMPONENTS. PHYSICIANS INSURANCE DOES NOT WARRANT, ENDORSE, OR ASSUME ANY RESPONSIBILITY FOR ANY THIRD PARTY PLATFORMS OR SERVICES THAT WE MAY USE TO PROVIDE THE SERVICES, INCLUDING ANY VIRTUAL MEETING OR WEBINAR PLATFORMS. YOUR USE OF ANY SUCH THIRD PARTY PLATFORMS IS AT YOUR OWN RISK AND IS SUBJECT TO ANY TERMS AND POLICIES MADE AVAILABLE BY THOSE THIRD PARTIES.

   IN NO EVENT SHALL PHYSICIANS INSURANCE AND/OR ITS AGENTS BE LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY LOSS OR DAMAGES OF ANY KIND ARISING FROM THE USE OF, ‎OR RELIANCE ON, OR INABILITY TO USE OR ACCESS, OR DELAYS IN, OR ‎INACCURACIES OR ERRORS OR DEFECTS OR OMISSIONS IN,  THESE SERVICES OR THE INFORMATION CONTAINED HEREIN, INCLUDING, BUT NOT LIMITED TO INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA, REVENUE, OR PROFITS, WHETHER IN AN ACTION BASED ON CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, AND EVEN IF PHYSICIANS INSURANCE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR LOSS.
   PHYSICIANS INSURANCE DOES NOT WARRANT THE ‎ACCURACY, COMPLETENESS, TIMELINESS, AVAILABILITY, USEFULNESS, OR ‎OTHER CHARACTERISTICS OF THESE SERVICES OR ANY SITE CONTENT. THE INFORMATION PUBLISHED ON THESE SERVICES COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION IN THIS WEBSITE. PHYSICIANS INSURANCE AND/OR ITS AGENTS MAY MAKE CHANGES TO THE INFORMATION CONTAINED IN THESE SERVICES AT ANY TIME. 
   YOU HEREBY EXPRESSLY RELEASE PHYSICIANS INSURANCE FROM ANY AND ALL LIABILITY OR ‎RESPONSIBILITY FOR ANY DAMAGE CAUSED, DIRECTLY OR INDIRECTLY, TO YOU ‎OR ANY THIRD PARTY AS A RESULT OF USE OF THESE SERVICES OR THE SITE ‎CONTENT, INCLUDING ANY CONTENT OR FILE DOWNLOADED OR ACCESSED. YOU ‎SPECIFICALLY ACKNOWLEDGE THAT PHYSICIANS INSURANCE SHALL NOT BE LIABLE FOR YOUR ‎USER SUBMISSIONS, ANY CLAIM CONTENT, OR THE DEFAMATORY, OFFENSIVE, ‎HARMFUL OR ILLEGAL CONDUCT OF ANY THIRD PARTY, AND THAT THE RISK OF ‎HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY WITH YOU.‎ YOU AGREE THAT ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE AGAINST PHYSICIANS INSURANCE ARISING OUT OF OR RELATING ‎TO THESE TERMS OF USE OR THESE SERVICES MUST BE COMMENCED WITHIN ONE ‎‎(1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ‎ACTION OR CLAIM IS PERMANENTLY BARRED. ‎
    

   9.    DISPUTE RESOLUTION AND CLASS ACTION WAIVER
    

   A.    Please read this Arbitration Agreement carefully. It is part of your contract with Physicians Insurance and affects your rights. It contains procedures for MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER.
    

   B.     Scope of Arbitration Agreement (“Arbitration Agreement”). You acknowledge and agree that any dispute or claim relating in any way to your access or use of the Services or to any other aspect of your relationship with Physicians Insurance will be resolved by binding arbitration, rather than in court, except that (1) you may assert claims in small claims court if your claims qualify, so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis; and (2) you or Physicians Insurance may seek equitable relief in court for infringement or other misuse of intellectual property rights (such as trademarks, trade dress, domain names, trade secrets, copyrights, and patents).  This Arbitration Agreement shall apply, without limitation, to all claims that arose before this or any prior agreement. 
    

   C.    Procedures. You or Physicians Insurance may demand arbitration before or after the commencement of a lawsuit. The arbitration administrator will be the American Arbitration Association (AAA), 120 Broadway, Floor 21, New York, NY 10271, www.adr.org. If the AAA cannot or will not serve and the parties are unable to select an administrator by mutual consent, the administrator will be selected by a court with jurisdiction. (Hereinafter, the AAA, or any other administer agreed upon by the parties or selected by a court are each “Administrator”). Arbitrations are conducted under these Terms of Use  and the AAA’s Consumer Arbitration Rules and, if applicable, the AAA Consumer Mass Arbitration Rules. Any party initiating an arbitration shall certify that the demand for arbitration complies with the requirements of Federal Rule of Civil Procedure 11(b). Each party to the arbitration shall pay his, her, or its own costs of arbitration as specified by the relevant rules. If you cannot afford your arbitration costs, you may apply for a waiver under the relevant rules.

   D.    Class Action and Jury Trial Waiver. THE PARTIES WAIVE ANY RIGHT TO A JURY TRIAL. THEY ALSO WAIVE ANY RIGHT TO BRING REPRESENTATIVE CLAIMS IN COURT OR IN ARBITRATION ON BEHALF OF A CLASS OF INDIVIDUALS, ON BEHALF OF THE PUBLIC, AS A PRIVATE ATTORNEY GENERAL, OR OTHERWISE, OR TO JOIN A REPRESENTATIVE ACTION OR CLASS ACTION OR CONSOLIDATE CLAIMS (THE “CLASS ACTION WAIVER”).

   E.    Mass Arbitration Process Requirements. If twenty-five (25) or more similar claims are asserted against Physicians Insurance at or around the same time by the same or coordinated counsel or are otherwise coordinated (and your claim is one such claim), you understand and agree that the resolution of your claim might be delayed. Under this process, thirty (30) claims will be chosen to proceed to individual arbitration proceedings as part of a first batching process, fifteen (15) claims will be selected by the claimants and fifteen (15) claims will be selected by Physicians Insurance.  The claims will then proceed as follows:

   a.    For the first thirty claims, the evidentiary hearing for each claim shall begin within 150 days of the date of the filing of the claim. The remaining claims shall not be filed or deemed filed in arbitration for the purposes of assessing an arbitration fee nor shall any fees be assessed by AAA in connection with those claims until they are selected to proceed to individual arbitration proceedings as part of this staged process.  However, any applicable statute of limitations on your claim and filing fee deadlines shall be tolled for claims subject to this “Mass Arbitration Process Requirements” section from earlier of: (1) the date on which you filed a lawsuit or arbitration demand or (2) the first date on which claims are selected for the first set of batching proceedings. The statute of limitations shall continue to be tolled until the time your claim is selected to proceed in arbitration, is withdrawn, or otherwise resolved.    

   b.    If the parties are unable to resolve the remaining claims after the conclusion of the initial thirty (30) proceedings, the parties shall participate in a global mediation session before a retired state or federal court judge.  The Company will pay the mediator’s fee. The parties will agree upon a mediator no later than 150 days after the filing of the earliest claim subject to this “Mass Arbitration Process Requirements” section. The first mediation session shall take place within 30 days of the conclusion of the last evidentiary hearing of the first batching process. If the parties are unable to resolve the remaining claims through mediation within 45 days of the first mediation session, then the remaining claims will be assigned random numbers. The claims with the forty (40) lowest randomly assigned numbers shall proceed to individual arbitration proceedings as part of a second batching process. The evidentiary hearing for all claims in this second batch shall begin within 120 days of the date that the second batch claims are selected.  The second batch of claims shall not be filed or deemed filed for the purposes of assessing any AAA fee nor shall any fees be assessed by AAA in connection with those claims until they are selected to proceed to individual arbitration proceedings as part of this staged process.  

   c.    If the parties are unable to resolve the remaining claims after the conclusion of the second batch of forty (40) proceedings, the parties shall participate in another global mediation session within 30 days of the conclusion of the last evidentiary hearing for the second batch. If the parties are unable to resolve the remaining claims within 30 days of the mediation session, this staged process shall continue with no more than one hundred (100) claims proceeding at any time in order based on the random number previously assigned.  This process will continue until all the coordinated claims, including your claim, are decided by the arbitrator or otherwise resolved. A single arbitrator shall preside over each proceeding, and only one proceeding may be assigned to each arbitrator unless the parties agree otherwise.

F.    Enforcement. A court of competent jurisdiction shall have authority to enforce this section regarding “Mass Arbitration Process Requirements” and, if necessary, to enjoin the filing or prosecution of arbitration demands. Should a court decline to enforce these “Mass Arbitration Process Requirements,” you and Physicians Insurance agree that your and Physicians Insurance’s counsel shall engage in good faith and with the assistance of a Process Arbitrator to devise and implement procedures that ensure that arbitration remains efficient and cost-effective for all parties. Either party may engage with the AAA to address reductions in arbitration fees.

G.    Opt-Out. You may opt out of this Arbitration Agreement. If you do so, neither you nor Physicians Insurance can force the other to arbitrate. To opt out, you must notify Physicians Insurance in writing no later than thirty (30) days after first becoming subject to this Arbitration Agreement.  Your notice must include your name and address, your email address, and an unequivocal statement that you want to opt out of this Arbitration Agreement. You must send your opt-out notice to: [insert]. If you opt out of this Arbitration Agreement, all other parts of these Terms of Use will continue to apply to you. Opting out of this Arbitration Agreement has no effect on any previous, other, or future arbitration agreements that you may have with us.

10.    INDEMNIFICATION
You agree to defend, indemnify, and hold Physicians Insurance and its employees, agents, officers, directors, ‎contractors, suppliers and other representatives harmless from and against all liabilities, ‎damages, demands, settlements, claims, actions, costs, and expenses (including reasonable ‎attorneys’ fees) in connection with or arising from (i) your use of these Services, the Site ‎Content, and/or your uploading of User Claim Content, if available, as it may change from time to time; or ‎(ii) your violation of these Terms of Use. Physicians Insurance may, if necessary, participate in the defense of ‎any claim or action at your expense and any negotiations for settlement. Physicians Insurance reserves the ‎right, on notice to you, to assume exclusive defense and control of any claim or action subject ‎to indemnification by you, without relieving you of your indemnification obligations hereunder. ‎Upon learning of a claim by a third party that your use violates or allegedly violates a third ‎party’s rights, you agree to promptly notify Physicians Insurance of any such claim. You agree to cooperate ‎with us as reasonably required in the defense of any such claims, and you shall not in any event ‎settle any such claim or matter without the written consent of Physicians Insurance.‎

10.    NO WAIVER
Except as expressly set forth in these Terms of Use, (a) no failure or delay by you or Physicians Insurance in exercising any of rights, powers or remedies under these Terms of Use will operate as a waiver of that or any other right, power or remedy, and (b) no waiver or modification of any term of these Terms of Use will be effective unless in writing and signed by the party against whom the waiver or modification is sought to be enforced.

11.    SEVERABILITY AND INTERPRETATION
If any provision of these Terms of Use is for any reason deemed invalid, unlawful, void or unenforceable by a court or arbitrator of competent jurisdiction, then that provision will be deemed severable from these Terms of Use, and the invalidity of the provision will not affect the validity or enforceability of the remainder of these Terms of Use (which will remain in full force and effect). Any waiver of any provision of these Terms of Use must be in writing signed by an authorized representative of Physicians Insurance to be valid. A waiver of any provision hereunder shall not operate as a waiver of any other provision, or a continuing waiver of the same provision in the future. To the extent permitted by applicable law, you agree to waive, and you hereby irrevocably waive, any applicable statutory and common law that may permit a contract to be construed against its drafter. Wherever the word “including” is used in these Terms of Use, the word will be deemed to mean “including, without limitation.”

12.    USER COMMENTS AND SUBMISSIONS
You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other ‎information that you provide to Physicians Insurance are not confidential, and you grant us a worldwide, ‎royalty-free license to distribute, publish, modify, edit, or otherwise use your submissions. Physicians Insurance does not claim ownership of the information you provide to Physicians Insurance (including feedback and suggestions) or that you input or submit to any Services (collectively “Submissions”). Physicians Insurance shall be entitled to the unrestricted use and dissemination of these submissions for any ‎purpose, commercial or otherwise, without any acknowledgement of or compensation to you.‎

13.    NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of the Services, you will not use the Services for any purpose that violates any applicable laws or regulations, or that is prohibited by the Terms of Use. You may not use the Services in any manner that could damage, disable, overburden, or impair any server that hosts the Physicians Insurance Website, or the network(s) connected to any such server, or interfere with any other party’s use and enjoyment of any Services. You may not attempt to gain unauthorized access to other accounts or to any of the Services, through hacking, password mining, or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Services. 

1. Physicians Insurance reserves the right at all times to disclose any information as Physicians Insurance deems necessary to satisfy any applicable law, regulation, legal process, or governmental request, or to edit or refuse to post or remove any information or materials, in whole or in part, in Physicians Insurance’s sole discretion.

   Any unauthorized use of the Services, including the Website for any purpose is prohibited. We may suspend or ‎terminate the availability or your use of the Services or Website (and any elements or features of it), in ‎whole or in part, for any reason, and at any time, in our sole discretion, and without advance ‎notice or liability.‎

   You agree that you will not: (i) use our Website or Services for any political or commercial purpose, aside ‎from the purchase of goods or services if offered for sale through the Website by Physicians Insurance; (ii) engage in any activities through or in connection with our Website or Services that attempt ‎to or actually do harm any individuals or entities or are unlawful, offensive, or abusive, or that ‎violate any right of any third party, or are otherwise objectionable to Physicians Insurance; (iii) reverse-engineer, decompile, disassemble, reverse-assemble, or modify any Website source or object ‎code or any software or other products, services, or processes accessible through any portion of ‎our Website; (iv) engage in any activity that interferes with another user’s access to our Website ‎or Services or the proper operation of our Website or Services, or otherwise causes harm to our Website, Services, Physicians Insurance, or ‎other users; (v) use Website Content in a manner that suggests an unauthorized association with ‎any of our products, services, or brands; (vi) interfere with or circumvent any security or access ‎feature of our Website; or (vii) otherwise violate these Terms of Use.‎

   14.    MODIFICATIONS TO PRICE AND TERMS
   By providing material, such as policy descriptions, on our Services, Physicians Insurance does not in any ‎‎way promise that the materials will remain available to you or that you will qualify for any of ‎‎the products or services we offer. PHYSICIANS INSURANCE RESERVES THE RIGHT, AT ANY TIME, TO ‎‎CHANGE ITS PRODUCTS, SERVICES, AND PRICING, EFFECTIVE IMMEDIATELY ‎‎UPON POSTING ON OUR WEBSITE OR APPLICATIONS OR BY EMAIL DELIVERY TO ‎‎YOU.‎

   In accordance with various insurance laws and other regulatory restrictions, insurance products ‎‎and services referenced on the Services may not be available or suitable for all jurisdictions and ‎‎may not be offered by all of the insurers within the Physicians Insurance family of companies.‎

   Except as expressly stated herein, the information contained on these Services is not an offer to ‎‎sell or a solicitation to purchase any insurance product or other product or service by Physicians Insurance. ‎‎Rather, the information on our products and services is provided to you so you can learn what ‎‎products Physicians Insurance generally offers. Please contact a designated Physicians Insurance representative or ‎‎your broker to find out which products and services are available to you in your jurisdiction. We ‎‎may make improvements and/or changes to the products, services and/or programs described on ‎‎this Website at any time without notice.‎

   The Website does not amend, modify, or supplement any insurance policy. Consult the actual ‎‎policy or your agent, or contact us for the name of an agent who can supply you with details ‎‎regarding terms, conditions, coverages, exclusions, products, services, and programs which may ‎‎be available to you. Your eligibility for particular products and services is subject to final ‎‎determination of underwriting qualifications and acceptance by Physicians Insurance’s underwriting ‎‎company providing such products or services.‎

   15.    UNITED STATES OPERATIONS
   Physicians Insurance controls and operates our Website from its offices in the United States, and makes no ‎representation that our Website is appropriate or available for use beyond the United States. If you are from a non-U.S. country, please be aware that the laws in the United States are likely different ‎from those of the country in which you are located. By using and providing ‎information through the US Services, you are consenting to (and represent that you have ‎authority to consent to), the transfer of such information to the United States for ‎the uses and purposes described in these Terms of Use (and any Additional Terms), and ‎subject to our Privacy Policy. We ‎reserve the right to limit the availability of our Website and/or the provision of any Site ‎Content, program, product, service, or other feature described or available on our Website to ‎any person, entity, geographic area, or jurisdiction, at any time and in our sole discretion, and to ‎limit the quantities of any content, program, product, service, or other feature that we provide. ‎You and we disclaim any application to these Terms of Use of the Convention on Contracts for ‎the International Sale of Goods.‎

   18.    APPLICABLE LAW 
   These Terms of Use shall be ‎‎governed by and construed in accordance with the internal laws of the State of Washington ‎‎without giving effect to any choice or conflict of law provision or rule (whether of the State of ‎‎Washington or any other jurisdiction).‎
   IF YOU ARE A CONSUMER, HOWEVER, THIS PROVISION SHALL NOT BE ‎‎CONSTRUED TO LIMIT YOUR RIGHTS UNDER CONSUMER PROTECTION LAWS OF ‎‎YOUR STATE OF RESIDENCE AS SET FORTH IN SECTION XVIII.‎

   19.    EXCLUSIONS AND LIMITATIONS; CONSUMER PROTECTION NOTICE.‎
   If you are a consumer, the provisions in these Terms of Use are intended to be only as broad and ‎inclusive as is permitted by the laws of your state of residence. Certain states ‎have heightened consumer protection laws that may make certain terms of these Terms of Use ‎inapplicable to you. No provision of these Terms of ‎Use shall limit or waive your rights as a consumer under the law of your state of residence. In ‎any event, Physicians Insurance reserves all rights, defenses, and permissible limitations under the law of ‎your state of residence.‎

   20.    CONTACT US
   If you have any questions regarding our Terms of Use, our practices, or your use of our Services, or if you would like to communicate with ‎Physicians Insurance’s agent for notice of claims of copyright or other intellectual property infringement, please contact us at:
    

   General Counsel
   Physicians Insurance A Mutual Company/Physicians Insurance Risk Retention Group, Inc.
   601 Union Street, Suite 500
   Seattle, WA 98101
   Ph. (800) 962-1399
   Fax: (206) 343-7100
   Email: [email protected]

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www.phyins.com/baa

Last Updated: October 1, 2026

This CCPA Privacy Policy and Notice at Collection for California Residents (the “Privacy Policy”) applies to the processing of information by Physicians Insurance A Mutual Company/Physicians Insurance Risk Retention Group, Inc. and its affiliates' (collectively, "Physicians Insurance," "we," "us," or "our") with respect to personal information of California residents to the extent the information is subject to the California Consumer Privacy Act of 2018 as amended, including by the California Privacy Rights Act of 2020 (together with regulations promulgated thereunder, the “CCPA”). For example, this Privacy Policy does not apply to personal information collected pursuant to various ‎‎exemptions ‎including for (i) information collected subject to the federal Gramm-Leach-Bliley Act and its implementing regulations, (ii) ‎‎medical and health information covered by HIPAA, and (iii) de-‎identified or publicly available ‎‎information.‎

Personal Information We Collect, Use, Disclose, Share, or Sell ‎

Categories of Personal Information We Collect, Categories of Sources of Personal ‎Information, Business or Commercial Purposes for Which Personal Information Will Be ‎Used, and Third Parties with Whom Personal Information is Sold, Shared, or Disclosed.‎

We collect information that identifies, relates to, describes, is reasonably capable of being ‎associated with, or could reasonably be linked, directly or indirectly, with a particular consumer ‎or household (“personal information”). The chart below includes information collected for ‎various types of individuals, such as our customers, employees, and others including independent contractors. As a result, not all of ‎the categories of collected personal information described below may be applicable to you. ‎Within the last twelve (12) months and on an ongoing basis, we have collected and disclosed, and may collect and disclose, the following categories of personal ‎information as further described below.

CATEGORY OF PERSONAL INFORMATION COLLECTED

Identifiers
A real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, NPI number, email address, account name, or other similar identifiers. 

Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))
A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Personal information does not include publicly available information that is lawfully made available to the general public from federal, state, or local government records. Note: Some personal information included in this category may overlap with other categories.

Protected classification characteristics under California or federal law
Age (40 years or older), race, color, ancestry, national origin (including language use and possession of a driver’s license issued to persons unable to provide their presence in the United State is authorized under federal law), citizenship, religion or creed, marital status, medical condition, physical or mental disability (including HIV/AIDS status, cancer diagnosis, and genetic characteristics), sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

Commercial information
Records of your insurance-related transactions, medical service performance history; loss run information; personal property; products or services purchased, obtained, or considered; or other purchasing or consuming histories (e.g., driving history, and other related information such as your claims history).

Biometric information
We do not collect this category of personal information.

Internet or other electronic network activity
Browsing history, search history, information on a consumer's interaction with an internet website, application, or advertisement.

Geolocation data
Physical location or movements.

Sensory data
Audio, electronic, visual, thermal, olfactory, or similar information.

Professional or employment-related information
Current or past job history or performance evaluations.

Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Sec. 1232g, 34 C.F.R. Part 99))
Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.

Inferences drawn from other personal information to create a profile about a consumer
Profile reflecting a consumer's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, aptitudes, and risk score of commercial insureds.

Sensitive Personal Information
Social Security number, driver’s license number, state identification number, or passport number; account log-in financial account, debit card, or credit card number in combination with any required security access code, password, or credentials allowing access to the account; precise geolocation; racial or ethnic origin, religious or philosophical beliefs, or union membership; contents of mail, email or text messages unless Physicians Insurance is the intended recipient of the communication; or genetic information. 

Information about our Personal Information Processing Activities
We use personal information for the performance of our services, and for our business operations or human resource functions. For example, we use personal information to support and improve our website, products and services; provide and administer our online events and webinars, including those hosted through third party platforms; manage human resources and benefits for our employees; evaluate job applicants’ suitability for a job opening; make decisions about promotion and determinations about seniority of employees; and evaluate employees and their performance.

We collect personal information from the following sources: from you and from others including financial services companies that we work with; third party claims handlers who are involved in a claim or assist us in investigating or processing claims, including witnesses and external claims data collectors and verifiers; our business partners with whom we work to provide insurance products and services, public sources, such as public databases (where permitted by law); from our affiliates; from data brokers; insurance brokers or other intermediaries; third party evidence providers; healthcare service providers; financial institutions; and individuals that you may be associated with (e.g., employees or directors, family members, etc.).

We disclose all categories of personal information to our service providers; other third parties with which you or we maintain a relationship regarding your service or products; government agencies, including to support legal and regulatory requirements; and our affiliates. 

Personal information is retained based on internal retention policies, which typically require retention for a period of seven years. Information is segregated by legal retention requirements and maintained in accordance with various local, state, federal, and other legal requirements. Personal information will not be retained beyond the reasonably foreseen need to retain the information for legal or business purposes.

Under the CCPA, “sale” and “sell” (and related terms) are defined to include any disclosure of personal information for monetary or any other valuable consideration. Our disclosure of your personal information to third parties, including through our use of cookies and other tracking technologies to collect identifiers and internet or other electronic network activity information and disclose this information to third parties, may be considered a sale of personal information.

We may disclose personal information collected via online website tracking technologies for advertising purposes as described in our Online Privacy Policy.  You have the ability to restrict this sharing through your browser preferences. Please review our Online Privacy Policy for more information.

We do not sell or share (for purposes of cross-context behavioral advertising) the personal information of minors under 16 years of age.

We do not use or disclose Sensitive Personal Information for purposes other than the following:

(1) To perform the services or provide the goods reasonably expected by an average consumer who requests those goods or services. 
(2) To prevent, detect, and investigate security incidents that compromise the availability, authenticity, integrity, or confidentiality of stored or transmitted personal information. 
(3) To resist malicious, deceptive, fraudulent, or illegal actions directed at the business and to prosecute those responsible for those actions.‎
(4) To ensure the physical safety of natural persons. 
‎(5) For short-term, transient use, including, but not limited to, nonpersonalized advertising shown as part of a consumer’s current interaction with the business, provided that the personal information is not disclosed to another third party and is not used to build a profile about the consumer or otherwise alter the consumer’s experience outside the current interaction with the business. 
‎(6) To perform services on behalf of the business. ‎
‎(7) To verify or maintain the quality or safety of a product, service, or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured by, manufactured for, or controlled by the business. 
‎(8) To collect or process Sensitive Personal Information where such collection or processing is not for the purpose of inferring characteristics about a consumer. ‎
 

Your Privacy Rights

Submitting Consumer Requests
You may submit a consumer request to us through our contact us section below to make a consumer request. You may make up to two disclosure requests in any 12-month period. 

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. 

Making a verifiable consumer request does not require you to create an account with us. 
When you submit a verifiable consumer request, we will take steps to verify your request ‎by email or telephone call. In some cases, we may request additional information in order to verify ‎your request or where necessary to process your request. If we are unable to adequately verify a ‎request, we will notify the requestor. Authorized agents will be required to provide proof of their ‎authorization and we may also require that the relevant consumer directly verify their identity and ‎the authority of the authorized agent.‎

We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.

Right to Know and Access Your Information
You have the right to request that we disclose to you certain descriptions and categories of the personal information we collect, use, disclose, share, or sell about you. For example, you may request the following through a consumer request:

‎(1) The categories of personal information we have collected about you.‎
‎(2) The categories of sources from which personal information is collected.‎
‎(3) The business or commercial purpose for collecting, selling, or sharing personal information.‎
‎(4) The categories of third parties to whom we disclose the personal information.‎
‎(5) The specific pieces of personal information we have collected about you.‎

You may make up to two disclosure requests in any 12-month period. See above for additional details on making a consumer request.

• Right to Request Deletion
  You have the right to request that we delete your personal information. See above for additional details about how to submit a consumer request.

  You should be aware, however, that California law allows us to retain your personal information under certain conditions, even if you have asked us to delete it, such as when retaining your personal information is necessary for us to complete a transaction with you or provide you with a good or service you have requested.  We will notify you of any denial of your deletion request and the reason for such denial. 

  Right to Request Correction
  You have the right to request that we correct your personal information. See above for additional details about how to submit a consumer request.

  Right to Opt-Out of the Sale of Personal Information 
  We may sell personal information we collect about you, as the term “sale” is defined by the CCPA. You may opt out of the sale of your personal information by (i) signaling an opt-out preference through your browser, which will apply to your user session through that browser, or (ii) by submitting an opt-out request.  

  To submit a request under the Right to Opt-Out, please provide the information necessary to identify the consumer to whom the request should be applied and reasonable identifying information that you are authorized to make the request and submit an email requesting your “Right to Opt-Out” by emailing [email protected], or by phone at (800) 962-1399 (toll free).

  Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize personal information sales. However, you may change your mind and opt back in to personal information sharing or sale at any time by contacting us.

  Authorized agents will be required to provide proof of their authorization to submit opt-out requests and we may also require ‎that the relevant consumer directly verify their identity and the authority of the authorized agent in limited circumstances.

  Right to Non-Retaliation for Exercise of Consumer Privacy Rights
  We will not retaliate against you because you have chosen to exercise any of your privacy rights provided by the CCPA. 

Using an Authorized Agent
You may use an authorized agent to submit a consumer request. To use an authorized agent, you will need to (i) provide written instruction to your agent, and verify your identity to us, or (ii) provide a power of attorney pursuant to California Probate Code Sections 4000 to 4465.

Contact Us
Please read this Policy carefully to understand our practices regarding how we process CCPA personal information. If you have any questions or comments about this notice, the ways in which we collect and use your information described here and in our Online Privacy Policy, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at: 

Email: [email protected]

Address: Physicians Insurance A Mutual Company/Physicians Insurance Risk Retention Group, Inc.
 601 Union Street
 Suite 500
 Seattle, Washington 98101

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¹Two methods for requests required. A toll-free telephone number is required for a business that does not operate exclusively online and have a direct relationship with a consumer from whom it collects personal information. See Cal. Code Regs. Tit. 11, §§  7020(a)-(b).