LEGAL NOTICES AND PRIVACY POLICY

Legal Notices

HIC strives to ensure that information contained on our Web site is current, accurate and reliable. Factors beyond HIC's control, however, preclude us from making any warranty or guarantee of any nature concerning the accuracy or reliability of any information contained on our Web site.

The HIC Web site is intended to serve as a resource to physicians and other persons interested in professional liability insurance and risk management issues affecting the practice of medicine. Users of the HIC's Web site rely on any information contained on the Web site at their own risk.

All policy provisions are subject to underwriting approval. Information on this Web site should not be construed as a coverage interpretation of the policy in whole or in part. Any actual coverage determination is subject to all of the terms and conditions of the actual policy, endorsements, application and any actual claims.

By accessing HIC's Web site, you have directed your system to a computer located in the state of New York. Any and all disputes arising from the content of HIC's Web site are to be governed exclusively by the laws of the state of New York and jurisdiction shall be subject exclusively to courts located within New York County, New York.

Privacy Policy

HIC recognizes the importance of respecting and maintaining the privacy of our applicants and insureds. In the course of providing you with a wide array of services designed to fulfill your insurance needs, it is necessary for HIC to gather information about you. We assure you that we will take all reasonably available steps to safeguard all such information of a confidential nature. HIC will not disclose or use the information except as outlined in this statement. Although HIC has procedures and technologies in place to protect against unauthorized disclosure of confidential information, because of the current regulatory climate surrounding use of the Internet, as well as the possibility of unintended disclosures caused by third-party negligence or malfeasance, HIC cannot guarantee that information posted on this site will remain confidential at all times. In addition, to the extent you provide or access information on HIC's system through the use of a password, we encourage you to keep your password confidential and secure, as we cannot be responsible for acts resulting from the unauthorized use of your password.

We must sometimes ask our members for medical information protected by the Health Information Portability and Accountability Act (HIPAA). Our applications, for example, ask for information regarding any claims made against you in the past, and our Claims staff may need medical information to provide claims service; our risk management department may also need medical information to assist you. Persons sharing protected information in the course of authorized business will do so in compliance with the requirements of HIPAA.

The types of information that may be gathered by HIC in connection with your use of this site include information relevant to your policy and coverage, including information about your training, credentials, work history, and license status. We may also gather information concerning any claims previously instituted against you by patients or licensing bodies.

The information above illustrates, but does not exhaust the kind of information that may be necessary for HIC to collect in order to serve your insurance-related needs. Subject to the provisions above, we will not intentionally disclose any information of a confidential or sensitive nature unless you authorize us to disclose the information or we are required to disclose the information pursuant to legal process or a request from law enforcement or regulatory officials.

By using this site, you agree to the terms and conditions of this privacy statement and authorize HIC to collect information about you as outlined above and to use the information for HIC's internal needs relating to your application for coverage or policies of insurance with HIC. In addition, by using this site, you agree to hold HIC harmless for any liability or damage arising from disclosure of confidential information gathered by HIC in connection with your use of this site.

Our Cookies

Your browser may offer "cookies," temporary files used to facilitate your Web site access. If you allow their use, cookies store small amounts of data on your computer that allow you to better experience our Web site features. Cookie information is not shared with any other entity. You may configure your browser to reject cookies and still access our Web site.

Third-Party Cookies

Third-party sites hyperlinked from HIC may contain cookies that are collected by the third-party site owner. These cookies are beyond our control and we do not have access to this information.

Hyperlinks to Third-Party Sites

The HIC Web site content consists of a number of hyperlinks to the sites of third parties. These hyperlinks are provided as a service to our users when these sites might contain some pertinent information for our users. The privacy policies of these third-party sites, such as the types of information collected and the use of the collected information, is unknown to and beyond the control of HIC.

Copyright Policy

You may cite or refer to the information on this site and make copies of the information for your own use. You must have our written permission to distribute copies of the information to others. To request such permission, send a message via e-mail to: info@hicgroup.com. Please include your name, address and the purpose of the requested distribution.