PTPN is committed to furthering the advancement of physical therapy clinics through cost-savings, growth opportunities, and risk protection. Recognizing the same commitment through CM&F’s offering of affordable and comprehensive PT malpractice insurance, PTPN recommends members use CM&F to access tailor-made PT insurance solutions that are over 50% cheaper than other liability insurance providers in the market.
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.
Just like AAPA, CM&F Group wants PAs to focus on one thing, helping their patients. PA professionals work directly with clients, and 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.
Our PA liability insurance is tailored to your individual needs covering you wherever you go. An individual liability insurance policy is designed to protect your assets, license and reputation regardless of employer and place of work.
With affordable individual malpractice coverage options, as well as general and cyber liability coverage options, the AAPA has made it easy to pick a reliable professional liability insurance company that protects your own personal interests.
*Full coverage policy option – Recommended
*Discounted, lower coverage policy option – Secondary to employer
CM&F and AAPA have formed a unique partnership that will bring quality care as well as tailored liability solutions to PA professionals across the nation. As a team, we are a partnership of companies with similar core values as well as a true commitment to the PA professional community. With years of experience, and plenty of room for growth, now expanding in virtual & telemedicine, CM&F and AAPA will continue to work together to advance PA growth.
Together, CM&F and AAPA are continually reviewing the policy terms and annual premiums to ensure PAs have access to the very best today’s market has to offer.
All of our insurance products are fully automated, and instantly quoted with immediate coverage available. We protect students, individuals, clinics/businesses and more.
Workers Comp typically only covers a portion of your salary, and more insurers are denying coverage for necessary treatments. CM&F Needlestick Insurance* offers a better solution by helping to supplement what Workers Comp and insurance plans won’t cover with a lump sum benefit after a covered accident.
Form Number BAH SR 2019-82
*Discount not applicable
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.
Each state has local physical therapist associations or chapters of a larger national organization. We support working with national or local physical therapist programs that help further the risk education of physical therapists by keeping their personal livelihood protected from future medical malpractice claims.
Find out from your employer if membership comes with your employment, or if they provide any additional benefits to you for being a member of a physical therapy association.
We insure healthcare groups & clinics, so we know firsthand that your employer’s policy will not have you as their main interest when it comes to malpractice legal cases or settlements – despite their best intentions.
If your employer does offer professional PT liability insurance, what is their coverage plan? Ask for it in writing so you can review it and present it in the future should a malpractice claim arise.
Make sure their are no gaps in coverage as you transition employment, positions, or insurance companies. Reach out to CM&F’s client services team for advice and assistance as you evalute your PT professional liability insurance options.
Having your own personal physical therapy liability insurance policywill ensure that your interests are the priority and that your livelihood is protected. CM&F’s individual physical therapy malpractice insurance options are attached to you, covering you wherever you go and wherever you work.
The cost to notify one patient of a data breach is ~$400. Fortunately, the annual rate for CyberProGuard® is approximately equivalent to the cost of notifying just three patients, but provides up to $1MM in coverage for most CM&F clients.
CM&F was founded over a century ago. Through up and down markets, CM&F’s dedication to healthcare professionals has never wavered. CM&F remains committed to making it easy and cost-effective to secure vital professional coverage with:
* excludes taxes and fees
Need More Help?
OSHA estimates that 5.6 million healthcare workers are at risk of occupational exposure to bloodborne pathogens. Approximately 385,000 sharps-related injuries are sustained by hospital-based healthcare workers each year; an average of 1,000 per day.
Treatment costs associated with needlestick injuries can range from $500 to $3,000. Antiviral treatment for Hep C may cost up to $95,000. Costs that are harder to quantify include the emotional cost associated with possible consequences of an exposure, costs associated with drug toxicities and lost time from work.
No. Unlike disability, workers compensation or some other insurance policies, which usually only pay you a portion of your salary, you receive the full $100,000 if you qualify under the policy.
You probably have SOME coverage through your employer, but most insurance will only cover a percentage of your salary, leaving you short of where you were prior to the injury. Our policy pays a flat benefit amount, regardless of your income.
CM&F’s policies bring clients up to a 50% average annual savings.