Malpractice Insurance for NAEMT Members

Members of NAEMT get 10% off annual premium rates. Our professional liability insurance is tailored to your needs, and is designed to protect your livelihood.

NAEMT is committed to promoting the highest standards of professional practice, which is why they have chosen to partner with CM&F Group, recognizing the same commitment through CM&F’s offering of affordable and comprehensive individual malpractice insurance, also known as professional liability insurance.

By obtaining insurance from CM&F Group, you cover your bases protecting yourself from unforeseeable problems in the future with 24/7 portable coverage.

Not Having Malpractice

Why Choose CM&F?

CM&F Group provides peace of mind to emergency care professionals with portable, 24/7 malpractice insurance coverage that follows you wherever you go, reducing your risk of damage to your professional reputation, career and personal assets.

For over 100 years, CM&F has been insuring professionals across the healthcare industry with easy-to-obtain, low-cost, comprehensive professional liability insurance. We have made it our mission to partner with prominent leaders in the healthcare space to ensure we fully understand the needs of the many professions we cover.

CM&F Group, a reputable insurance company that has been in business since 1919, is pleased to provide NAEMT members with tailored malpractice insurance options to fit their unique needs.

CM&F Professional Liability Insurance Benefits

*NAEMT Members Save 10% on Annual Premiums

  • 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
  • Sexual Misconduct Defense
  • HIPAA Defense Coverage
  • Telemedicine Coverage

Exclusive 10% Premium Discount to NAEMT Members!

All Policies are Tailored to your Individual Needs with Volunteer, Contracting, Part-time and Full-time Options Available

Apply for Individual Liabilityy

The Partnership Between NAEMT and CM&F Group

The National Association of Emergency Medical Technicians (NAEMT) was founded to promote the highest standard of professional practice for emergency care professionals in the United States. NAEMT provides its members, the public, legislators, and regulators the resources, like affordable professional liability insurance, to enable the highest quality and safest medical care of patients. With networking opportunities, and professional development courses, members of the NAEMT are given the resources necessary to confidently improve the standards of emergency care across the country.

CM&F has partnered with NAEMT to offer paramedics, EMTs – volunteers or basic/intermediate – the resources they need to achieve the highest level of their profession, at an affordable premium. As a team, we believe it is our responsibility to promote safe healthcare practices for professionals across the healthcare industry throughout the country. In unison, NAEMT and CM&F share similar values that we believe will create a strong partnership for years to come.

Not an NAEMT member? CM&F offers professional liability insurance to all emergency care workers. To qualify for the 10% member discount, please visit

Frequently Asked Questions

How quickly can I get my coverage documents?

You can either apply online or download your application and mail or fax it to our offices. Below are the turn around times for each method:

If you apply for coverage online via our CM&F Online Web Applications*, you can pay for and receive proof of coverage in MINUTES!
Printing and Mailing a PDF application can delay the receipt of your coverage documents by a few weeks due to mailing time.
You can always fax your paper application to 212-608-4378, and we will process within a few business days, then mail your policy documents out to you, which may take a week or more.
If you have the ability to pay with a VISA or MasterCard, we recommend applying for coverage online.

The process usually takes less than 10 minutes to complete and once you submit your application, you are emailed your coverage documents in minutes–No Delay, No Headache.

If you can’t complete the online application but need your documents right away, you can always fax your application to the number above and include a note directly on the application requesting that we mail or fax your documents as soon as we process.

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.

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.

I just changed jobs. Will I have to pay more for my liability insurance?

It depends. Generally speaking, if you move from one job to another within the same scope of practice the premiums should be relatively similar. If, however you change state or increase your risk of services, there may be a change in premium.

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