Healthcare Risk Advisors strives to ensure that information contained on our Web site is current, accurate, and reliable. Factors beyond Healthcare Risk Advisors’ control, however, preclude us from any offer of any warranty or guarantee of any nature concerning the accuracy or reliability of any information contained on our Web site. Healthcare Risk Advisors additionally assumes no responsibility for any linked content.
Healthcare Risk Advisors Web site is intended to serve as a resource to physicians and other persons interested in professional liability insurance and issues affecting the practice of medicine. Users of Healthcare Risk Advisors Web site are warned that they rely on any information contained on the Web site at their own risk.
All policy provisions are subject to underwriting approval and may vary from state to state. 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 Healthcare Risk Advisors’ Web site, you have directed your system to a computer located in the State of California. Any and all disputes arising from the content of Healthcare Risk Advisors’ Web site are to be governed exclusively by the laws of the State of California and jurisdiction shall be subject exclusively to courts located within Napa County, California.
Healthcare Risk Advisors recognizes the importance of respecting and maintaining the privacy of our applicants and members. In the course of providing you with a wide array of services designed to fulfill your insurance needs, it is necessary for Healthcare Risk Advisors to gather information about you. We assure you that we strive to take all reasonably available steps to safeguard all such information of a confidential nature. Healthcare Risk Advisors will not voluntarily disclose or use the information except as outlined in this statement.
Although Healthcare Risk Advisors 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, Healthcare Risk Advisors 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 Healthcare Risk Advisors’ 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 Insurance Portability and Accountability Act of 1996 (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/Patient Safety staff may also need medical information to assist you. Some of this information is covered by HIPAA. To address this, we have added provisions to each of our policies that confirm we will keep the protected information confidential as required by HIPAA. This is referred to as a “Business Associate Agreement,” which simply means that persons sharing protected information in the course of authorized business will do so in compliance with the requirements of HIPAA. This endorsement does not change your insurance coverage.
The types of information that may be gathered by Healthcare Risk Advisors in connection with your use of this site includes 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 Healthcare Risk Advisors 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 a court order or request from the courts, law enforcement, or regulatory officials.
By utilizing this site, you agree to the terms and conditions of this privacy statement and Healthcare Risk Advisors to collect information about you as outlined above and to use the information Healthcare Risk Advisors internal needs relating to your application for coverage or policies of insurance with Healthcare Risk Advisors. In addition, by using this site, you agree to hold Healthcare Risk Advisors harmless for any liability or damage arising from disclosure of confidential information gathered by Healthcare Risk Advisors in connection with your use of this site.
Your Rights (California Residents)
You may have certain rights and choices regarding our processing of your personal information if you are a California resident. California law may entitle you to the following rights:
- Right to request: You may have a right to request The Doctors Company disclose to you the categories and/or specific pieces of personal information we have collected in the last twelve (12) months, including whether your personal information is sold or disclosed and the purpose, and with whom it was shared. Your right to request such information is limited to twice every twelve (12) months.
- Right to opt-out: You may opt-out of the sale of your personal information.
- Right to delete: You may have a right to request that The Doctors Company delete your personal information (with limitations)
- Right to non-discrimination: You have a right not to receive discriminatory treatment by The Doctors Company for exercising any of the above privacy rights.
Please see below for information on how to exercise your rights. Please note that a large portion of the personal information collected and processed by The Doctors Company may be out of scope for certain individual rights as it falls under exemptions for information collected under applicable federal laws, including but not limited to the Health Insurance Portability and Accountability Act (HIPAA) and the Gramm-Leach-Bliley Act (GLBA).
Exercising Your Rights
To exercise your rights, including submitting a verifiable request, please complete the online form or contact us using the information listed below. Because we take the protection of your personal information seriously, in order to process this request, your identity must be verified. We reserve the right to verify your identity in connection with any requests regarding personal information to help ensure that we provide the information we maintain to the individuals to whom it pertains and allow only those individuals or their authorized representatives to exercise rights with respect to that information.
If you are an authorized agent or parent/guardian making a request on behalf of an individual or your minor child, we may require and request additional information to verify that you are authorized to make that request.
We reserve the right to deny your request if we cannot verify your identity. Where we deny your request in whole or in part, we will inform you of the denial, provide an explanation of our actions, and the reason(s) for the denial.
We will not restrict or deny you access to our services because of choices and requests you make in connection with your personal information.
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 Healthcare Risk Advisors 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
Healthcare Risk Advisors 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 the site 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 Healthcare Risk Advisors.
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 using our contact form. Please include your name, address, and the purpose of the requested distribution.