CM&F group has partnered with BetterPT to bring physical therapists, as well as other fitness & rehabilitation professionals the most comprehensive and lowest cost professional liability insurance policy in the market today. Our professional liability insurance is tailored to your needs, follows you wherever you practice, and is designed to protect your assets, license and reputation.
With some of the lowest costs on the market, and the ability to practice telehealth/telemedicine under one policy, CM&F makes getting the right physical therapist liability insurance coverage easy. Practice virtually or in-person without fear of litigation, knowing CM&F has your back.
Just like BetterPT, CM&F Group wants physical therapy professionals to focus on one thing, helping their clients. Physical Therapists work directly with already injured or physically impaired patients who are at risk of falls or further injury if an accident were to occur. As a result, physical therapists are susceptible to an increased risk of malpractice claims being brought against them. Whether the claims are ultimately true or not, the repercussions could have a devastating impact on both their career and their personal assets.
CM&F Group offers insurance protection that will protect you if medical malpractice claims arise due to negligence accusations. You should be able to do your job without constant fear of litigation. CM&F provides the coverage at a low cost, eliminating risk. In addition, the policy is portable, and will go wherever you go, ensuring you are always protected.
BetterPT™ is an integrated digital healthcare platform company, committed to transforming patient access and experience with healthcare services by providing end-to-end digital connectivity between physicians, physical therapists (PTs) and patients. For clinics, BetterPT’s interoperable solution offers operational efficiencies, helping to cut down administrative burden and paperwork. With its HIPAA compliant application and EMR compatibility, BetterPT enables patients greater access to PT, an important and oftentimes overlooked part of clinical rehabilitation and preventive care.
As a leading innovator in the insurance space, CM&F Group is excited to partner with a digital healthcare innovator like BetterPT. CM&F Group and BetterPT have a shared goal of improving the healthcare service industry for professionals and patients alike. The CM&F and BetterPT partnership allows physical therapists to focus on providing top of the line healthcare solutions for those in need of treatment, while also providing them with the most comprehensive professional liability insurance that is tailored to meet the needs of their processes and practice.
CM&F has been a reputable insurance leader since 1919, with a strong commitment to continued growth.
All of our insurance products are fully automated, and instantly quoted with immediate coverage available. We protect students, individuals, clinics/businesses and more.
Frequently Asked Questions
Yes almost all medical professionals are required by law to carry some level of liability insurance protection. Practicing medicine without professional liability insurance is like driving a car without auto insurance. Looking for clinic or group coverage options? View the list of groups eligible to apply for a CM&F liability insurance policy.
The CM&F insurance policy offers up to $1,000,000 in defense coverage for any sexual misconduct claims. Legal fees are EXTREMELY expensive in todays world. Most companies only offer $25,000 in legal / defense costs. How far will that get you if you are falsely alleged to touch a client inappropriately? CM&F wants to protect their clients to the maximum amount.
Most liability and malpractice insurance policies DO NOT ALLOW the client to fight a claim if they feel they are not at fault. Instead most insurance companies have what is called a “Hammer Clause”. The “Hammer Clause” allows the client to force the insurance defense to move on with the one stipulation. If the claim ultimately pays more than what the insurance company had asked you to settle for the difference is paid by the client. For example, a claim settlement is offered at $100,000 to the Physical Therapists and their insurance company. The PT did nothing wrong and argues to fight the claim in court. If the insurance company has a “Hammer Clause” that PT would have to pay the difference between the ultimate award and the $100,000. This could be many tens or hundreds of thousands of dollars. The CM&F insurance policy will fight on and pay the full claim regardless if the client chooses not to settle.
Many insurance carriers include the legal costs inside the per claim Limit. For example if you have $1,000,000 Per Claim Coverage and the claim settles for $1,000,000 the client would have to pay the legal costs associated with the claim since they are not paid “In Addition To the Policy Limit”. Legal costs can run into the hundreds of thousands of dollars in certain cases. The CM&F policy will pay all legal fees in addition to the indemnity payment. In the example above the CM&F policy would pay the full amount.
If you have an Occurrence policy you can simply purchase the CM&F policy when the existing policy expires. Claims-Made policies should be discussed with a CM&F service professional to ensure there are no gaps.