Malpractice Insurance for Opear-participating Providers

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.

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.

Our insurance plans are extremely flexible. We offer full time, part time and moonlighting policies for almost all professionals.

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.

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.