The Emergency Physicians Insurance Exchange Risk Retention Group (EPIX) strives to ensure that information contained on our website is current, accurate, and reliable. Factors beyond EPIX's 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 website.
The EPIX website 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 the EPIX website are warned that they rely on any information contained on the website at their own risk.
All policy provisions are subject to EPIX Underwriting approval and may vary from state to state. Information on this website 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 EPIX's website, you have directed your system to a computer located in the State of California. Any and all disputes arising from the content of EPIX's website are to be governed exclusively by the laws of the State of California and jurisdiction shall be subject exclusively to courts located within Placer County, California.
EPIX 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 EPIX 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. EPIX will not disclose or use the information except as outlined in this statement.
Although EPIX 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, EPIX 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 EPIX'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) for underwriting, claims, and risk management purposes. Protected information shared with EPIX in the course of authorized business will be handled in compliance with the requirements of HIPAA.
The information above illustrates, but does not exhaust the kind of information that may be necessary for EPIX 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 law enforcement or regulatory officials.
By utilizing this site, you agree to the terms and conditions of this privacy statement and authorize EPIX to collect information about you as outlined above and to use the information for EPIX's internal needs relating to your application for coverage or policies of insurance with EPIX. In addition, by using this site, you agree to hold EPIX harmless for any liability or damage arising from disclosure of confidential information gathered by EPIX in connection with your use of this site.
Hyperlinks to Third-party Sites
The EPIX website content contains 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 EPIX.
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 email to: email@example.com. Please include your name, address and purpose of the requested distribution.