Opear 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.
CM&F Group provides peace of mind to at-home medical professionals – practicing virtually or in-person – 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.
Best Coverage, Best Price
CM&F gives Opear’s house call or telehealth providers easy access to a comprehensive and low-cost malpractice insurance. CM&F malpractice insurance policies are tailor-made to your specific professional needs, designed to protect your assets, your license and your reputation.
You should be able to do your job anywhere without constant fear of litigation. CM&F provides low-cost coverage that is portable, and will go wherever you go, reducing risk by ensuring you are always protected. Malpractice insurance through CM&F allows you to devote all your attention to your patients, and ultimately provide them a better experience.
Benefits of CM&F 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 Coverage
- 24/7 Portable Coverage That Covers You Everywhere You Go, Even in Volunteer or Contractor Assignments
Why Choose CM&F?
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.
Through this partnership with CM&F Group, Opear is giving members access to a reputable insurance company that has been in business since 1919. CM&F is pleased to provide Opear members with tailored malpractice insurance plans to fit their unique needs. Together, Opear and CM&F will work with doctors, nurse practitioners, and physician assistants to advance access to quality patient care for all.
All Policies are Tailored to your Individual Needs with Contracting, Part-time and Full-time Options Available
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The Partnership Between Opear & CM&F
Opear was founded to bring healthcare professionals to the homes of individuals in need of care that do not want to experience the hassle of an office visit. To accomplish this, Opear has curated a network of medical professionals available for both on-demand health calls and telehealth appointments.
CM&F is proud to offer Opear’s home medical professionals the resources they need to do their job effectively and safely. As a team, we believe it is our responsibility to promote safe healthcare practices for professionals across both New York state and the rest of the country.
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.
