Like FYZICAL, CM&F is dedicated to simplifying physical therapy clinic growth, and creating opportunity for physical therapists and audiologists by offering affordable, comprehensive insurance solutions you can rely on.
With affordable professional liability, general liability, as well as cyber liability coverage leading to savings of up to 50%, FYZICAL has made it easy to pick a liability insurance policy that protects your franchise.
FYZICAL has partnered with CM&F Group to bring fitness & rehabilitation professionals the most comprehensive and lowest cost physical therapy liability insurance policy in the market today. Our physical therapy malpractice insurance is tailored to the needs of your individual clinic, designed to protect your assets, license and the reputation of your business.
For over 30 years, CM&F has been insuring Physical Therapy clinics and individual professionals in fitness & rehab with an easy-to-obtain, affordable, comprehensive physical therapist liability insurance plan. Our innovation and investment in technology for business insurance solutions in the healthcare space has allowed CM&F the opportunity to have competitively priced premium rates that can show a savings of up to 50% for physical therapy clinics across the nation.
Benefits of CM&F PT Malpractice Insurance Coverage
- Coverage Options up to $2 Million per Claim
- Full Consent to Settle Claims
- License Defense Coverage
- Sexual Misconduct Defense
- General Liability Available
- Defense Costs in Addition to Liability Limits
- HIPAA Defense Coverage
- Telemedicine/Telehealth Coverage
- 24/7 Portable Coverage That Covers You Everywhere You Go, Even in Volunteer or Contractor Assignments
Why Choose CM&F?
Just like FYZICAL, CM&F Group wants fitness & rehabilitation professionals to focus on one thing, helping their clients. Fitness & rehabilitation professionals work directly with clients in order to help them meet their physical goals. 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.
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. It allows you to devote all your attention to your clients and ultimately provide them a better experience.
Industry Leading Customer Service
At CM&F Group, we believe in investing in the best technology so we can allow our clients to get what they need when they need it, without delay. However, we also believe in providing our clients with access to real people who answer the phone...in fact, we routinely answer over 99% of our calls every day.
Competitively Priced Group Options
Our rates can be more than 50% cheaper than some of our larger competitors and our online application process saves you time by allowing you to quote and purchase your policy online.Learn More
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.Learn More
Find Out Why The Best Physical Therapy Organizations And Thousands of Your Peers Recommend CM&F!
Frequently Asked Questions
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.
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.
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.
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.