Privacy Policy | DrsCoverage - Medical Malpractice Insurance Brokers

Last Updated: Oct 21, 2024

This Privacy Policy applies to services provided by DrsCoverage, operated by Doctors Insurance LLC (referred to as 'we,' 'us,' or 'our' throughout this policy). Doctors Insurance LLC is responsible for the collection and processing of personal information as described in this policy.

Consent to Privacy Policy

By using our site, you consent to our privacy policy.

Introduction: 

At DrsCoverage, we are committed to protecting the privacy of our clients. Our Privacy Policy outlines the types of information we collect, how we use it, and the measures we take to safeguard your data. This policy applies to all personal information received by DrsCoverage, both online and offline, on any platform, as well as through email communications.

Information Collection:

 We collect information necessary to submit your details to insurance carriers for the purpose of finding and binding appropriate coverage. This may include:

Personal identification information (Name, email address, phone number, etc.)
Professional information (Employment, job title, practice history, qualifications, etc.)
Insurance details (Policy numbers, coverage details, claims history, etc.)
Financial information (Payment details, billing information, etc.)
Other information you voluntarily provide to us
Any other information that the insurance carrier is requesting in order to assess and bind coverage
Data information regarding your online behavior on our website to improve user experience.

Use of Information:

 The information we collect is used for the following purposes:

To provide and manage the insurance services you have requested
To communicate with you regarding your insurance needs and policies
To assess your insurance requirements and offer suitable products
To comply with legal and regulatory requirements
To enhance and customize our website using your online behavior to improve user experience
To offer insurance-related information that may be useful to you

We will share your personal information with:

Insurance carriers and underwriters for the purpose of obtaining quotes and coverage
Service providers who assist us in delivering our services
Legal and regulatory authorities as required by law or to protect our rights

Disclosure of Information: 

We do not sell, trade, or rent personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates, and advertisers for the purposes outlined above. We may use third-party service providers to help us operate our business and administer activities on our behalf, such as sending out newsletters or surveys.

Security: 

We take the security of your personal information seriously and use appropriate technical and organizational measures to protect it against unauthorized or unlawful processing, accidental loss, destruction, or damage. However, no method of transmission over the Internet or method of electronic storage is 100% secure.

Data Retention: 

We will retain your personal information for as long as it is necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

COOKIE POLICY

At DrsCoverage, accessible from www.drscoverage.com, one of our main priorities is the privacy of our visitors. This Cookie Policy document contains types of information that is collected and recorded by DrsCoverage and how we use it.

What Are Cookies?

Cookies are small text files that are used to store small pieces of information. They are stored on your device when the website is loaded on your browser. These cookies help us make the website function properly, make it more secure, provide better user experiences, and understand how the website performs and to analyze what works and where it needs improvement.

How Do We Use Cookies? 

As most online services, our website uses first-party and third-party cookies for several purposes. First-party cookies are mostly necessary for the website to function the right way, and they do not collect any of your personally identifiable data.

The third-party cookies used on our websites are mainly for understanding how the website performs, how you interact with our website, keeping our services secure, providing advertisements that are relevant to you, and all in all providing you with a better and improved user experience and help speed up your future interactions with our website.

What Types of Cookies Do We Use?

Essential: Some cookies are essential for you to be able to experience the full functionality of our site. They allow us to maintain user sessions and prevent any security threats. They do not collect or store any personal information.
Performance Cookies: These allow us to count visits and traffic sources so we can measure and improve the performance of our site.
Statistics: These cookies store information like the number of visitors to the website, the number of unique visitors, which pages of the website have been visited, the source of the visit, etc. This data helps us understand and analyze how well the website performs and where it needs improvement.
Functional: These are the cookies that help certain non-essential functionalities on our website. These functionalities include embedding content like videos or sharing content of the website on social media platforms.
Preferences: These cookies help us store your settings and browsing preferences like language preferences so that you have a better and efficient experience on future visits to the website.

How Can I Control the Cookie Preferences? 

You have the right to accept or reject cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer.

Different browsers provide different methods to block and delete cookies used by websites. You can change the settings of your browser to block/delete the cookies. To find out more on how to manage and delete cookies, use your search engine to search on how to change cookie preferences on your browser of choice.

Changes to Our Cookie Policy 

We may update this Cookie Policy from time to time. We encourage you to review our Cookie Policy periodically for any changes.

CCPA Compliance Addendum for California Residents

As per the California Consumer Privacy Act (CCPA), California residents have the right to know what personal data is being collected about them, whether their personal data is being sold, and to whom it is being sold.

Right to Know: You can ask about the personal data we collect, why we collect it, and how it is used.
Right to Delete: Request the deletion of your personal data from our records.
Right to Opt-Out: You can opt-out of the sale of your personal data. We stand by our commitment not to sell personal information.
Right to Non-Discrimination: Exercising your privacy rights will not result in discriminatory treatment.

Your Rights: 

You have the right to access, correct, or delete your personal data provided to us. If you wish to exercise these rights, please contact us at legal@drscoverage.com.

Changes to This Privacy Policy: 

DrsCoverage has the discretion to update this Privacy Policy at any time. We encourage users to frequently check this page for any changes. Your continued use of our service will be deemed your acceptance of those changes.

 For more information about our privacy practices, if you have questions, or if you would like to make a complaint or exercise your rights under the CCPA, please contact us at legal@drscoverage.com.

Your continued use of our website after the posting of the updated Cookie Policy constitutes your consent to the updated policy. This policy is part of our Legal Notice and should be read in conjunction with it.