Terms of Service

Last Updated: September 24, 2026

Welcome to MPL Risk. These Terms of Service (“Terms”) govern your use of the MPL Risk website, services, forms, and SMS/text messaging program. By using our website or services, you agree to these Terms.

About MPL Risk

MPL Risk provides commercial insurance, professional liability insurance, malpractice insurance, risk management services, and related insurance services.

Information provided through this website is for general informational purposes and does not constitute a binder of insurance coverage, guarantee of coverage, or modification of the terms of any insurance policy. Coverage is subject to the specific terms, conditions, exclusions, and limitations of the applicable insurance policy.

SMS/Text Messaging Program

MPL Risk offers an optional SMS/text messaging program for customers and prospective customers who choose to receive text messages from us.

By checking the SMS consent box on an MPL Risk form or otherwise expressly opting in, you agree to receive SMS text messages from MPL Risk regarding insurance quotes, inquiries, account updates, services, and related communications.

Consent to receive SMS messages is not a condition of purchasing any product or service from MPL Risk.

Message Frequency

Message frequency varies based on your interactions with MPL Risk, including your quote request, inquiry, account activity, or services.

Message and Data Rates

Message and data rates may apply.

Your wireless carrier’s standard messaging and data rates may apply to messages sent or received as part of the MPL Risk SMS program.

How to Opt Out

You may opt out of SMS messages from MPL Risk at any time.

Reply STOP to any MPL Risk text message to opt out.

After you reply STOP, you may receive a confirmation message acknowledging your opt-out request. You will then stop receiving SMS messages from the applicable MPL Risk messaging program unless you later choose to opt in again.

Opting out of SMS messages does not prevent MPL Risk from contacting you through other methods, such as phone or email, when appropriate.

How to Get Help

For assistance with the MPL Risk SMS program:

Reply HELP to any MPL Risk text message for help.

You may also contact MPL Risk at:

Phone: (267) 888-4790
Email: customerservice@mplrisk.com

Carrier Disclaimer

Carriers are not liable for any delayed or undelivered messages.

Message delivery depends on transmission by your wireless service provider and may be affected by factors outside the control of MPL Risk, including carrier availability, network conditions, and device compatibility.

SMS Consent

When you provide your mobile phone number and actively select the SMS consent option, you authorize MPL Risk to send text messages to the number you provided for the purposes described above.

SMS consent is voluntary and is separate from your consent to use other MPL Risk services.

You are responsible for providing an accurate mobile phone number and confirming that you are authorized to receive messages at that number.

If your mobile number changes or is reassigned, you should notify MPL Risk or opt out using the previous number when possible.

Privacy

MPL Risk handles personal information collected through its website, forms, and SMS program in accordance with its Privacy Policy.

Please review the MPL Risk Privacy Policy:

https://mplrisk.com/privacy-policy/

Website Use

You agree to use the MPL Risk website and services only for lawful purposes.

You may not use the website in a way that could damage, disable, interfere with, or impair the website, its systems, or another person’s use of the website.

You may not attempt to gain unauthorized access to MPL Risk systems, accounts, servers, or information.

Accuracy of Information

MPL Risk makes reasonable efforts to provide accurate and current information. However, information available through this website may contain errors or become outdated.

Insurance availability, coverage, premiums, requirements, and policy terms may vary by carrier, jurisdiction, applicant, and individual circumstances.

Information on this website should not be interpreted as a guarantee that a particular insurance product or coverage is available or appropriate for a particular person or business.

Third-Party Services and Links

The MPL Risk website may contain links to websites, services, insurance carriers, or other third parties that are not owned or controlled by MPL Risk.

MPL Risk is not responsible for the content, availability, security, terms, or privacy practices of third-party websites or services.

Your use of third-party services is subject to the terms and policies established by those third parties.

Disclaimer of Warranties

To the extent permitted by applicable law, the MPL Risk website and its content are provided on an “as is” and “as available” basis.

MPL Risk does not warrant that the website will always be available, uninterrupted, error-free, or free from harmful components.

Limitation of Liability

To the fullest extent permitted by applicable law, MPL Risk will not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the website or its services.

Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is prohibited by applicable law.

Changes to These Terms

MPL Risk may update these Terms from time to time to reflect changes to its services, website, messaging practices, legal requirements, or business operations.

Any revisions will be posted on this page with an updated “Last Updated” date.