You Have The Network,
Now Get The Protection You Need

PT malpractice insurance you can rely on. Get a quote
and obtain coverage in less than 5 minutes!

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.

Not Having Malpractice

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

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Comprehensive, Affordable, Reliable & Easy Malpractice Insurance

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.

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!

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Need More Help?

What are the chances I will be injured on the job?

OSHA estimates that 5.6 million healthcare workers are at risk of occupational exposure to bloodborne pathogens. Approximately 385,000 sharps-related injuries are sustained by hospital-based healthcare workers each year; an average of 1,000 per day.

How costly are sharps injuries?

Treatment costs associated with needlestick injuries can range from $500 to $3,000. Antiviral treatment for Hep C may cost up to $95,000. Costs that are harder to quantify include the emotional cost associated with possible consequences of an exposure, costs associated with drug toxicities and lost time from work.

Is the benefit dependent on my income?

No. Unlike disability, workers compensation or some other insurance policies, which usually only pay you a portion of your salary, you receive the full $100,000 if you qualify under the policy.

Aren't I already covered by my employer?

You probably have SOME coverage through your employer, but most insurance will only cover a percentage of your salary, leaving you short of where you were prior to the injury. Our policy pays a flat benefit amount, regardless of your income.

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

Looking for a telehealth solution that CM&F’s policies cover?

It’s the safe and secure way to treat
your patients virtually anywhere.

The BetterTelehealth platform provides HIPAA compliant video capability to allow patients to connect with providers seamlessly from a desktop or mobile device. Neither party is required to download an app to access the secure video platform.

BetterTelehealth is designed to bring a modern touchpoint to your practice that will make patients feel connected even before they walk through the door for treatment. Learn More.