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Terms & Conditions

HOMETerms & Conditions



These terms and conditions govern your use of Physicians’ Reciprocal Insurers (“PRI”) website (“website”); by using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.

Privacy Statement

Physicians’ Reciprocal Insurers has procedures and technologies in place to protect against unauthorized disclosure of confidential information. However, because of the ubiquitous nature of the Internet and the continuous cyber security threats faced by it, as well as the possibility of unintended disclosures caused by third-party negligence, Physicians’ Reciprocal Insurers cannot guarantee that information posted on this website will remain confidential at all times.

The type of information that may be gathered by Physicians’ Reciprocal Insurers through the use of this website may include information pertaining to your policy and coverage, information about your training, credentials, work history and medical license. We may also gather information concerning any claims previously instituted against you by patients or licensing bodies. Some of this information is protected under the Health Insurance Portability and Accountability Act of 1996 (HIPAA). PRI’s Privacy Promise confirms its obligation as a business associate to complying with the requirements of HIPAA.

The information above illustrates but may not be limited to the kind of information that Physicians’ Reciprocal Insurers may need to collect to satisfy the insurance related needs of its customers. Subject to the provisions above, Physicians’ Reciprocal Insurers will not intentionally disclose any information of a confidential or sensitive nature unless you authorize us to do so or unless required to do so by law or regulation.


This website may utilize “cookies”, temporary files that are stored on your computer and used to facilitate access to this website. By using this website and agreeing to these terms and conditions, you consent to Physicians’ Reciprocal Insurers use of cookies. Such cookie information is not shared with any other entity.

Third party sites linked to this website may contain cookies that are collected by the third party site. Such cookies are beyond the control of Physicians’ Reciprocal Insurers and as such are unable access to that information nor control its dissemination.

The website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses cookies to analyze use patterns and may collect information about your use of the website, including your IP address. More information on Google Analytics can be found here: www.google.com/policies/privacy/partners/.

Hyperlinks to Third Party Sites

This website may contain a number of hyperlinks to third party sites. These hyperlinks are provided as a means of providing pertinent information and or services to our clients. The privacy policies of these third party sites, such as the types of information collected and the use of collected information, is unknown to and beyond the control of Physicians’ Reciprocal Insurers.

License to Use Website

Unless otherwise stated, Physicians’ Reciprocal Insurers and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.

You may view, download for caching purposes only, and print pages from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.

You must not:

  • republish material from this website (including republication on another website);
  • sell, rent or sub-license material from the website;
  • reproduce, duplicate, copy or otherwise exploit material on this website for a commercial purpose;
  • edit or otherwise modify any material on the website;
  • redistribute material from this website except for content specifically and expressly made available for redistribution;
Acceptable use

You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.

You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.

You must not conduct any systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to this website without the expressed written consent of Physicians’ Reciprocal Insurers.

You must not use this website to transmit or send unsolicited commercial communications.

You must not use this website for any purposes related to marketing without the expressed written consent of Physicians’ Reciprocal Insurers.

Restricted Access

Access to certain areas of this website are restricted through the use of User ID and Password in order to segregate information / services reserved for its clients and/or business partners from those offered to the general public. Physicians’ Reciprocal Insurers reserves the right to restrict access to other areas of this website, or indeed this entire website, at its discretion.

If Physicians’ Reciprocal Insurers provides you with a User ID and Password, or you are required to create such information in order to enable access to restricted areas of this website or other content or services, it is your responsibility to ensure that such User ID and Password information are kept confidential. Physicians’ Reciprocal Insurers is not responsible for acts resulting from the unauthorized use or disclosure of such information.

Physicians’ Reciprocal Insurers may disable your User ID and Password at its sole discretion without notice or explanation.

No Warranties

Physicians’ Reciprocal Insurers endeavours to ensure that the information contained on its website is current, accurate and reliable. That said, the website is provided “as is”. Physicians’ Reciprocal Insurers makes no representations or warranties in relation to this website or the information and materials contained on or linked to on this website. Users of the website are warned that they rely on any information contained on the website, or linked to by the website, at their own risk.

Premium Indications

Any premium indication provided on or through this Site is not a contract, binder or agreement to extend insurance coverage. Premium indications are based on the information provided by you, and all information is subject to verification. If any information you provided is inaccurate, incomplete, or additional information is discovered, the quoted rate will be invalid and a new rate may apply. To obtain coverage, you must submit an application and a policy must be issued to you, subject to underwriting approval.

Policy Provisions

Information on this website should not be construed as a coverage interpretation of the policy in whole or part. Nothing contained in this website shall serve to amend, alter or modify the terms, conditions or exclusions of each individual insurance policy.


Physicians’ Reciprocal Insurers may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.

Law and Jurisdiction

These terms and conditions will be governed exclusively by the laws of the State of New York and jurisdiction shall be subject to courts located within Nassau County, New York.