Legal Notices

The content on the Physhield web site is intended as a resource to physicians and others who are interested in medical malpractice insurance and related issues. However visitors to our web site are hereby warned that they rely on any information on the Physhield website at their own risk.

Physhield attempts to ensure that content contained on our web site is up-to-date, accurate and reliable. However various factors beyond our control preclude us from offering any warranty or guarantee of any nature regarding the accuracy or reliability of any of the information on our web site. Physhield also assumes no responsibility for any content linked to our site.

In addition, all insurance policy provisions are subject to underwriting approval and may vary from one state to another. Information on the Physhield web site should not be construed as an interpretation of insurance coverage in whole or in part. Actual coverage is subject to all of the terms and conditions of the policy executed, endorsements, application, and claims, if any.

Any and all disputes arising from the content on the Physhield web site are to be governed exclusively by the laws of the State of Florida.

Privacy Policy

Physhield recognizes the importance of respecting and maintaining the privacy of our applicants and members. In the course of providing you with a broad spectrum of products and services designed to fulfill your professional liability insurance needs, it is necessary for Physhield to gather information about you. We attempt to take all reasonably available steps to safeguard all information of a confidential nature and Physhield will not voluntarily disclose or utilize the information except as outlined in this statement.

Although Physhield has numerous procedures and technologies to protect against unauthorized disclosure of confidential information, we can not guarantee that the information on our site will remain confidential at all times due to the Internet's regulatory environment as well as the possibility of unintended disclosures caused by third-party negligence or malfeasance. We also ask you to keep the password that you use to submit or access information on Physhield's web site secure and confidential as we are not responsible for acts resulting from the unauthorized use of your password.

Physhield sometimes requests our applicants and members for information protected by the Health Insurance Portability and Accountability Act of 1996 (HIPAA). For instance our medical professional liability questionnaire requests information regarding any past claims made against you and our employees may require medical information to assist you with claims or risk management services. To address this, we have added provisions to our policies that confirm Physhield will keep the protected information confidential as required by HIPAA. This does not change your insurance coverage.

The type of information that Physhield may gather in connection with your use of this site includes information relevant to your policy and coverage, including information about your training, credentials, work history, license, license status and any sanctions. 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 Physhield to gather in order to serve your professional liability insurance 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 unless 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 authorize Physhield to collect information about you as described above and to use the information for Physhield's internal needs relating to your application for coverage or Physhield insurance policies. In addition, by utilizing this site, you agree to hold Physhield harmless for any liability or damage arising from disclosure of confidential information gathered by Physhield in connection with your use of this site.

Our Cookies

Your browser may offer "cookies," which are temporary files used to facilitate your web site access and use. If you allow their use, cookies store small amounts of data on your computer that allow you to better utilize our web site's functionality. You may configure your browser to reject cookies and still access our web site.

Third Party Cookies

Third-party sites hyperlinked from the Physhield web site 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

Physhield's web site contains some hyperlinks to third-party web sites. We provide these hyperlinks to better serve you. We don't know and can't control the privacy policies of these third-party websites, such as the types of information they collect and the use of that information.

Copyright Policy

You must request and be granted Physhield's written permission to distribute copies of information from our web site to others. To request permission, send a message via e-mail to: This e-mail address is being protected from spambots. You need JavaScript enabled to view it . Please include your name, your company name, street address, phone number, web site address, if applicable, and the purpose of the requested distribution.