Legal Disclaimer

Who we are

This website is operated by Wellness Medical Protection Group, LLC, a licensed insurance producer. Wellness Medical Protection Group, LLC is an insurance brokerage. It is not an insurance company and it does not underwrite or issue insurance policies.

Surplus lines coverage

Coverage described on this website is generally placed in the surplus lines insurance market. Surplus lines insurers are not licensed by the insurance department of every state in which coverage is placed and are not subject to all of the insurance laws and regulations of those states. In the event of an insurer insolvency, policyholders of surplus lines coverage are not protected by state insurance guaranty funds or associations.

Wellness Medical Protection Group, LLC also places coverage in standard commercial markets. Where a policy is placed with an admitted insurer, the surplus lines disclosures above do not apply to that policy.

No offer of coverage

Nothing on this website constitutes an offer of insurance, a quotation, a binder, or a contract of insurance. No coverage is in force unless and until it has been confirmed in writing by an authorized representative of Wellness Medical Protection Group, LLC and all conditions of binding have been satisfied.

Not a statement of coverage

Nothing on this website states, implies or should be read as indicating whether any risk, procedure, product or circumstance is or is not covered under any policy, or how any insurer would respond to any claim. This includes the coverage descriptions, Risk Watch, Adding a Service, and any interactive tool on this site. Coverage is determined solely by the terms, conditions, limits and exclusions of the policy issued to you.

If you have a question about your own coverage, contact your Wellness Medical Protection Group service representative. Do not rely on this website for that purpose.

Availability, terms and pricing vary

Coverage availability, policy terms, limits, exclusions, conditions and premium vary by state, by carrier appetite, by the procedures and treatments declared on your application, by practitioner credentials, and by claims history. Any figure, range, limit or description on this website is illustrative only.

Not legal, medical, tax or regulatory advice

Content on this website, including regulatory summaries, state guidance, consent guidance and educational material, is provided for general information only. It is not legal advice, medical advice, tax advice or a regulatory determination, and it is not a substitute for advice from a qualified professional licensed in your jurisdiction. Laws, regulations, board rules and underwriting requirements change. Verify anything here against current authority in your own state before acting on it.

Observations about the insurance market

Where this website describes what underwriting is asking for, it describes activity observed across submissions and renewals handled by Wellness Medical Protection Group, LLC over a stated period. Those observations are aggregated and do not identify any insurer. They describe what has been observed, not what any insurer has agreed to do, will do, or is likely to do, and they should not be read as a representation about the availability or terms of any insurance.

No pricing guidance

This website does not state what insurance costs or should cost, and does not offer guidance on what any practice should charge for any service.

Third party links and platforms

This website links to third party sites and platforms, including MediSpaCover, Juno Insure and the Wellness Tycoon Collective. Wellness Medical Protection Group, LLC is not responsible for the content, availability, security or privacy practices of any third party site, and a link does not constitute an endorsement.

Licensing

Wellness Medical Protection Group, LLC is licensed as an insurance producer in the states in which it transacts business. License numbers by state are available on request.

Contact

Questions about this disclaimer may be directed to connect@wmpg.insure or (855) 851-2968.

Notice version 1. Last updated on the date shown in the footer. Wellness Medical Protection Group, LLC reserves the right to amend this notice without notice.