Malpractice Insurance for AAPA Members

The most comprehensive and longest-standing PA malpractice insurance coverage across all methods of patient care delivery, including telemedicine.

CM&F has been partnered with the AAPA for over 20 years as the trusted provider of insurance protection for PAs’ assets and careers. Since 1947 CM&F Group has been dedicated to protecting millions of healthcare professionals.

CM&F malpractice insurance products cover all methods of patient care delivery – in-person or virtual via telemedicine – within scope of practice according to relevant laws.

Not Having Malpractice

CM&F PA Liability Insurance

Just like AAPA, CM&F Group wants PAs to focus on one thing, helping their patients. PA professionals work directly with clients, and as a result they are susceptible to malpractice claims. Whether the claims are ultimately true or not, the repercussions could have a devastating impact on both their career and their personal assets.

Our PA liability insurance is tailored to your individual needs covering you wherever you go. An individual liability insurance policy is designed to protect your assets, license and reputation regardless of employer and place of work.

With affordable individual malpractice coverage options, as well as general and cyber liability coverage options, the AAPA has made it easy to pick a reliable professional liability insurance company that protects your own personal interests.

Focus on your patients. We’ll protect your personal assets, license and reputation.

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By obtaining malpractice insurance from CM&F Group, you cover your bases protecting yourself from unforeseeable problems in the future with 24/7 portable coverage that protects you within all delivery methods of patient care – in-person or virtual.

CM&F PA Liability Insurance Benefit

*Full 24/7 portable coverage policy option – Recommended

  • Coverage Options up to $2 Million Per Claim
  • Full Consent to Settle Claims
  • License Defense Coverage
  • General Liability Available
  • Defense Costs in Addition to Liability Limits
  • Sexual Misconduct Defense
  • HIPAA Defense Coverage
  • Telemedicine Coverage

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CM&F PA AssetGuard Benefits

*Discounted, lower coverage policy option – Secondary to employer

  • Affordable Occurrence Coverage
  • Liability Limits Of $100,000 Per Incident
  • Defense Costs Paid In Addition To Liability Limits
  • Licensure Defense Coverage
  • HIPAA Defense Coverage
  • Deposition Defense Coverage
  • Telemedicine Coverage
  • Personal Asset & Financial Future Protection

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PA Students

*In partnership with AAPA, we offer a FREE policy to all students

  • Coverage options up to $1 Million Per Claim
  • Full Consent to Settle Claims
  • Defense Costs Paid In Addition To Liability Limits
  • License Defense Coverage
  • HIPAA Defense Coverage
  • 24/7 Portable Coverage
  • Telemedicine Coverage
  • Personal Asset & Financial Future Protection

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The Partnership Between AAPA and CM&F Group

CM&F and AAPA have formed a unique partnership that will bring quality care as well as tailored liability solutions to PA professionals across the nation. As a team, we are a partnership of companies with similar core values as well as a true commitment to the PA professional community. With years of experience, and plenty of room for growth, now expanding in virtual & telemedicine, CM&F and AAPA will continue to work together to advance PA growth.

Together, CM&F and AAPA are continually reviewing the policy terms and annual premiums to ensure PAs have access to the very best today’s market has to offer.

Doctor and Patient

Find Out Why The Best PA Organizations And Thousands of Your Peers Recommend CM&F!


Frequently Asked Questions

What is the difference between occurrence and claims-made coverage?

An Occurrence policy covers a loss that occurs during the policy period regardless of when that claim was made. A Claims-Made policy requires the claim be made or reported while the policy is in force or during the extended reporting period (Tail). Both an Occurrence policy and Claims-Made policy have their strengths. In general, most lower premium paying medical professionals carry Occurrence coverage whereas most higher premium paying medical professionals have the option to purchase Claims-Made which can be less money during the initial years.

What are “Per Occurrence” & “Aggregate” liability limits?

Your “Per Occurrence,” or “Per Claim,” limit refers to the total amount the insurance company will pay per incident during the policy term. Your “Aggregate” limit is the total amount the insurance company will pay for multiple claims over the course of one policy term (which is often one year).

Does my employer’s professional liability insurance cover me?

Most employers do provide some level of malpractice insurance for their employees. The only way to know for certain is to ask for a certificate of insurance every year to confirm that you are a “named insured.” Millions of medical professionals purchase personal professional liability insurance, also known as medical malpractice insurance, protection in addition to what their employer provides. Coverage that is portable from job to job, protects your license, your personal assets and financial future is ALWAYS the best option. CM&F offers both individual liability insurance and group liability insurance.

Are your plans flexible and customizable to the coverage options I need?

Our insurance plans are extremely flexible. We offer full time, part time and moonlighting policies for almost all professionals.

I work for several different employers. Will that affect my coverage or rate?

That depends. We do have a policy type that would cover you for all your work at one rate. The best option is to call our service professionals at 800-221-4904 and discuss your specific situation.

Have questions about CM&F professional liability insurance policies?
View our full library of our most frequently asked questions.