Terms Of Use

Information on this Site

The Michigan Professional Insurance Exchange (MPIE) provides this website as a service to our clients and other internet users. Our website contains information that is general in nature. While the information contained is updated periodically, additional facts or future developments may affect the subjects contained therein. As such, MPIE provides no guarantee that the information provided is correct, complete, or up-to-date. MPIE reserves the right to make changes to the products and services described in this site without the obligation to notify current or prospective customers.

No Warranty

The information provided in this website is provided “as is”. This means that MPIE specifically disclaims liability for any errors or omissions in the information and/or materials. Moreover, MPIE does not provide and/or disclaims all warranties with respect to this website or your use thereof, whether express, implied, or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose and freedom from computer virus.

Limited Liability

In no event will MPIE, its agents or employees, be liable for any damages, losses, or other expenses in connection with this site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if MPIE, or its representatives, are advised of the possibility of such damages, losses or other expenses.

Links to Other Websites

This website may contain hyperlinks to, or material from third-party sites, which are not created, published, maintained, or otherwise controlled by MPIE. Website users acknowledge and agree that: (a) MPIE is not responsible for the availability of such external sites or resources; (b) all links and resources are provided solely for the user’s convenience and/or for other informational purposes; (c) MPIE does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources and/or (d) MPIE is not affiliated or associated with or endorses or is legally authorized to, use any trade name, registered trademark, logo, seal, or copyrighted symbol. Without limiting the foregoing, MPIE will not be responsible or liable, directly or indirectly, for any actual or alleged damage or loss caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such site or resource.

Risk Management

The risk management information provided in this site is intended to provide general information of interest to physicians and other healthcare professionals. The recommendations on this website do not reflect or establish a standard of care and do not establish rules for the practice of medicine. This information is not intended as an offer to insure such conditions or exposures, or to indicate that MPIE will underwrite such risks. Liability is limited to the specific written terms and conditions of the actual policies issued.

Product Availability

The information and descriptions of products, services, enhancements, or additional coverages contained in this website are intended as general information and do not contain all of the terms, conditions, and exclusions applicable to the products and services offered by or through MPIE. Specific products, services, enhancements, or additional coverages afforded are subject to the terms and conditions of the insurance policies as issued and may vary from the general descriptions in this site. Availability of the products and services described may vary by state.

Not Professional Advice

The information provided on this site is distributed with the understanding that MPIE is not providing professional advice of any type. The information and/or data contained in this website shall not constitute legal, underwriting, or risk management advice. If you have a question requiring professional services, such as a question relating to law, tax, or financial planning, please seek the advice of a qualified professional in the relevant field.

Secured Areas/Passwords

Some portions of this website are password protected and require authorization for access. Unauthorized use of or access to these areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system.

If you are an authorized user of any password-protected area, you are responsible to maintain the security/confidentiality of your password. Do not share your password with anyone. MPIE will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, contact MPIE.

MPIE is authorized to act on instructions received under your password without any affirmative requirement to question said instruction. As such, MPIE is not liable for any unauthorized access to your personal information that is not directly related to the negligence of MPIE.  MPIE may deny access or block any transaction made under your password without prior notice if we believe that your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, for any other reason, but we are under no obligation to do so. 


Your internet browser, cell phone, or other electronic devices may offer “cookies,” which are temporary files used to facilitate your website access and improve performance. If you allow their use, cookies store small amounts of data on your electronic device that allow you to better experience our websites’ features and/or access secured features or content. Cookie information is not shared with any other entity. Moreover, you may configure your browser to reject cookies and still access our website.

However, please note that third-party sites hyperlinked from our website may contain cookies that are collected by the third-party site owner. These cookies are beyond MPIE’s control, and we do not have access to this information or prevent their use.

Copyright Policy

The information and materials provided in this website, including the information and any images incorporated in this website, are for your own personal private non-commercial use.  You may not modify, republish, post, or transmit anything you obtain from this website, including downloads, without first obtaining the express written consent of MPIE. To request such permission, contact us. Please include your name, address, and telephone number, and a description of the intended extent, purpose, and distribution of your copying.


These Terms and Conditions of Website Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State of Michigan, without giving effect to Michigan’s conflict of laws principles. If any provision of this agreement is unlawful, void, or unenforceable, it shall not affect the validity and enforceability of any remaining provisions. MPIE may modify these Terms and Conditions of Website Use, and the agreement they create, at any time, simply by updating this posting or the information on its website and without notice to you.

Your Consent to Website Use

By using this site, you signify your consent to the foregoing terms and conditions governing your use of this Website. If you do not accept these terms and conditions, please do not continue to use or access this site. Violating the Terms and Conditions of Website Use may lead to revocation of MPIE website access privileges.  

Please check this page periodically for changes.