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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 PT malpractice insurance leads to risk of personal damage to assets, career, finances


We focus on you, so you can focus on your business & patients without hesitancy.

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.

Insurance Designed With You In Mind!

For over 30 years, we have been insuring physical therapy groups and individual therapy professionals with an affordable, comprehensive liability insurance plan.

Portable, Flexible Coverage

- 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
- HIPAA Defense Coverage
- 24/7 Coverage Portable Coverage – Take your policy with you if you change jobs

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Competitively Priced Group Options

For over 30 years we have served Physical Therapists with reliable policies. CM&F's innovative technology and efficient processes have allowed us to bring Physical Therapy Groups rates that are often 50% lower than the competition.

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Cyber Liability Add-On

Be protected in the event of a lawsuit arising from patient data theft. The costs associated with an unforeseen cyber incident causing HIPAA violations and data security breaches can be damaging to business owners. It is imperative that companies of all sizes have some kind of protection to avoid becoming the target of an attack.

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Get Covered Today!

Physical Therapist session utilizing best practice to avoid malpractice claims

The Partnership Between BetterPT and CM&F Group

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.

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

Frequently Asked Questions

Does My Practice Really Need Professional Liability Insurance?

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.

Do CM&F policies cover sexual misconduct claims?

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.

Is my consent required to settle on claims?

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.

Will I have to pay additional legal fees?

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.

How do I transfer my existing liability policy under another company to CM&F so that there is no gap in time of coverage?

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.

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

BetterPT Telehealth logo

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.

CM&F Group