Terms of Use
Please Read Carefully
By accessing this site (the “Site”), you agree to the following Terms of Use (“Terms”). If you do not agree, you should exit the Site and not use it further. As used herein, the words “User,” “you” and “your” mean users of the Site and the words “we,” “our,” “Actuate,” “Actuate Insurance” and “PIAM” mean Physicians Insurance Agency of Massachusetts, Inc. the owner and operator of the Site.
We reserve the right to revise these Terms at any time by updating this posting, and also to modify or terminate any products, services or features on the Site at any time. All products, services or features available on or through this Site are subject to these Terms.
© Copyright 2025 Physicians Insurance Agency of Massachusetts, Inc. All rights reserved. All material on this Site is copyrighted or, as described below, trademarked. No part of this site may be reproduced without written permission from PIAM.
Physicians Insurance Agency of Massachusetts, Inc. operates under the name “Actuate Insurance,” except in California and New York, where we operate under the name “Actuate Insurance Services.”
CA insurance license #6016682
NY insurance license #PC- 1839627/LA-1839627
Disclaimers
The information contained on this website is for informational purposes only, and should not be construed as advice on any matter. The material on this website may not reflect the most current developments of the insurance industry. We disclaim all liability in respect to actions taken or not taken based on any or all of the contents of this Site to the fullest extent permitted by law. Do not act or refrain from acting upon this information without seeking professional advice.
Further, the information contained on this website is not intended to be a solicitation or an offer to sell any product or service, nor is the information a complete description of all Terms, conditions, and exclusions applicable to the products and services described. For complete descriptions of the Terms, conditions, and exclusions of insurance coverages or other products or services, please contact PIAM.
Insurance coverage cannot be bound or changed via submission of any online form/application provided on this Site or otherwise, email, voice mail, or facsimile. No binder, insurance policy change, addition, and/or deletion to insurance coverage will go into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide via this online form/application and/or in other communications with PIAM.
Please contact our office at 800-522-7426 to discuss specific coverage details and your insurance needs. All coverages are subject to the Terms, conditions, and exclusions of the actual policy issued. Not all policies or coverages are available in every state.
Information contained on this website does not, and is not intended to constitute an advertisement, solicitation or offer for sale in any jurisdiction where PIAM is not licensed to do business.
Any links to other websites from the Site are for convenience purposes only. These links do not imply endorsements of such websites or the information contained on them, and we are not responsible for the content of such sites.
EVERYTHING ON THE SITE IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED.
Limitations on Use
You may browse the Site, and you may download material displayed on the Site, all for non-commercial, personal use only. You may not remove any copyright, trademark, or other proprietary notices from materials you download, or distribute, modify, transmit, reuse, re-post, or use any material from the Site for public or commercial purposes.
You may not deep-link to the Site for any purpose or use any robot, spider, or other automatic device or process to monitor or copy any portion of the Site.
Privacy
Disclosure and use of information obtained from Users and, if applicable, third parties is subject to PIAM’s Privacy Policy.
Submissions
You hereby grant to us a perpetual, worldwide, royalty-free license to any information or materials you submit to us – for use by us and our affiliates, licensees and assignees for any purpose, including but not limited to reproduction, disclosure, transmission, publication, broadcast, inclusion in products sold by PIAM, and posting in any and all media.
Disclaimer and Limitation of Liability
PIAM and its affiliates and their respective members, managers, officers, employees, contractors, and agents (in each case, a “Released Party”) shall not be liable for any direct, indirect incidental, consequential, or punitive or other damages or losses of any kind whatsoever arising out of your access to, or use of, the Site, including but not limited to any failure of performance, error, omission, interruption, defect or computer virus, or the deletion, failure to store, misdelivery, or unavailability of any information, material, products, services or features, even if advised of the possibility of such damages or losses. Each Released Party’s maximum liability to you for all claims, including but not limited to negligence, shall in no event exceed one dollar (US$1.00).
Indemnity and Release
As a material inducement to provide you with use of the Site, by using the Site, (i) you release each Released Party from any and all claims, demands, damages, costs, and expenses of any kind whatsoever relating in any way to use of the Site or any materials downloaded from this Site and (ii) you indemnify, defend, and hold each Released Party harmless from and against any and all demands, damages, liability, claims, actions, demands, and costs incurred by such Released Party in connection with any claim arising out of any breach by you of this Agreement, including, reasonable attorneys’ fees and costs.
If you have a dispute involving the Site with a third party, you release each Released Party from all claims, demands, damages, liability, claims, actions, demands, and costs of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes.
If you are a California resident, you waive California Civil Code §1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.”
Each party recognizes and agrees that the warranty disclaimers and liability and remedy limitations in these Terms are material bargained for bases of this agreement and that they have been taken into account and reflected in determining the consideration to be given by each party under this agreement and in the decision by each party to enter into this agreement. Some jurisdictions do not allow the exclusion of implied warranties or certain forms of damages, so some of the above exclusions may not apply to you.
Trademarks
The trademarks, logos, and service marks (collectively the “Trademarks”) displayed on the Site, are the Trademarks of PIAM, except as otherwise noted. All other Trademarks, publicity rights and other rights are the property of their respective owners. You do not have any license or right, by implication, estoppel, or otherwise, to use any Trademark, image, or other material displayed on the Site without the written permission of PIAM or the third party that may own the relevant material.
Intellectual Property Infringement Claims
We will respond as quickly as practical to any claims that infringing material appears on the Site, including investigating any such claims and taking any appropriate action under applicable laws. If we receive a notice of infringement in accordance with the Digital Millennium Copyright Act (the “Act”), we will take steps to remove or disable access to the allegedly infringing material, including any links thereto. Notices of alleged infringement should be sent to:
piam@mms.org
or
Physicians Insurance Agency of Massachusetts, Inc.
860 Winter Street
Waltham, Massachusetts 02451
Attention: Thomas Bryant, ARM
To be effective, the notification must be a written communication that includes the following:
- A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
- Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
- Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;
- Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number and, if available, an electronic mail address at which the complaining party may be contacted;
- A statement that the complaining party has a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law; and
- A statement that the information in the notification is accurate and, under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
If we remove or disable access to any allegedly infringing material, we may attempt to contact the person who has posted that material to give that person a chance to respond. If there is a response, we will share it with the party who originally complained about the alleged infringement, and will give that party an opportunity to seek a court order or other judicial relief in accordance with the Act before we replace or restore access to the allegedly infringing material.
Governing Law & Jurisdiction
These terms and conditions are governed by the laws of the Commonwealth of Massachusetts, without regard to principles of the conflicts of laws, and may not be modified except as expressly stated herein. Any disputes relating hereto or to any use of this Site shall be resolved exclusively in the State or Federal Courts located in Suffolk County, Massachusetts, and you and PIAM both consent to the jurisdiction of such courts for any such disputes.