Welcome, PA Program Directors and Faculty Members!

CM&F Group, in collaboration with AAPA, is proud to offer a seamless and cost-free way to provide professional liability insurance for your PA students. With our streamlined process, we help you protect the next generation of physician associates as they embark on their clinical rotations and professional journeys.

Why Partner with CM&F?

  • Comprehensive Coverage: Your students receive the highest quality malpractice insurance, ensuring they’re protected throughout their education and clinical experiences.
  • Simplified Enrollment: Eliminate administrative burden by registering your entire cohort in one step.
  • 24/7 Access to Coverage: Students can view and download policy documents anytime via their personal portal, while program directors can track and manage policies through the partner portal.
  • Cost-Free for Students: Thanks to our partnership with AAPA, this essential coverage is provided at no charge to your students.
Not Having Malpractice

How It Works


  • Step 1: Get Appointed
    Create a CM&F account to access your program’s dedicated partner portal.
  • Step 2: Submit Your Student Roster
    Send us a simple Excel sheet with your students’ names and email addresses.
  • Step 3: Student Enrollment
    Students will receive an email to complete their policy application. Once activated, they’ll have access to their policy information anytime.
  • Step 4: Access & Manage Policies
    Both students and program directors can easily download policy documents and track coverage details through our secure portals.

Enroll Your Program Today

Benefits for PA Program Directors


  • Streamlined Enrollment Process – Quickly and easily enroll your entire cohort by submitting a single Excel roster with student names and email addresses.
  • Consolidated Management – Access student policy information directly through your secure partner portal, reducing administrative workload.
  • Seamless Communication – Students receive a direct email with instructions to complete their policy application in minutes.

Apply Today

Preparing Students for Their Careers


  • Through our exclusive partnership with AAPA, graduating students can enjoy substantial savings. Together, these credits can reduce their first-year malpractice insurance premium to as low as $50.
  • New to Practice Credit:
    • Year 1 – 80% premium discount
    • Year 2 – 60% premium discount
    • Year 3 – 40% premium discount
    • Year 4 – 20% premium discount
    • Year 5 – Phase into full premium
  • AAPA Membership Discount: An additional 10% discount for AAPA members.
  • AAPA Risk Management Credit: Another 10% discount upon completing the AAPA risk management course.

Learn More About New Graduate Coverage

Have Your Students Enrolled in Minutes

Enroll Now

Top PA Organizations And Thousands of Your Peers Recommend CM&F!

AARP
AARP

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.