Service Is Paramount
At CM&F, we realize the importance of technology and its role in making many aspects of our lives easier. However, we also recognize that sometimes you just need to talk to someone. That's why, in addition to offering all of our products online, we also staff a call center full of courteous and knowledgeable agents who are ready to assist you; promptly and courteously whenever you need us.
We Were First
In 1947 CM&F Group, along with the Royal Insurance Company, developed the first medical malpractice policy for non-physicians. Originally designed for nurses, this product has evolved to include over 80 specialties of healthcare providers. Our decades of healthcare malpractice liability experience and ongoing focus on protecting healthcare providers, certainly sets us apart. We were the first and remain committed to being the best!
Family-Owned and Operated
Since 1919, the CM&F Group (Cotterell, Mitchell, and Fifer until 1996) has been privately held and has been solely owned by the same family since 1963. Such operational stability provides our valuable clients the confidence to know whom they are entrusting their professional integrity to, year after year.
Strong And Stable Carriers
Throughout the years, healthcare malpractice liability claims have become volatile, forcing many insurance carriers out of business. We choose our carrier partners carefully and develop long term relationships based on trust and stability. We have never and will never write business with a carrier who carries less than an “A” Financial Rating (as rated by A.M Best). With CM&F, you are protected now and far into the future.
Ease Of Doing Business
We realize that your time is valuable, so we have made it as easy as possible for you to apply for coverage or obtain your policy documentation through our secure client access web portal. It takes less than 10 minutes to obtain coverage though our online application process. If you have a job TODAY that you need coverage for, that’s no problem! Our online application system is available 24 hours a day, 7 days a week.
Do It YOUR Way
Although we're proud to offer the most efficient online processes, we realize that's not for everyone. You can also mail, fax or upload your completed application and we will STILL get it processed in no more than 48 hours from when it's received. Or, if you have a question or are confused, give us a call or email us and we’ll help you through the process. We're here to help, and that means making the process simple and painless in whatever way is convenient for YOU.
Our Customers Don’t Wait
At CM&F, we see value in LESS bureaucracy. We are confident that our customer service reps and underwriters can efficiently handle all of your questions, but in those rare instances where an issue needs to be escalated, our senior management team is only one step away. If there is a complicated problem that needs resolution, it doesn’t get mired in layers of red tape, it goes directly to people who can make a decision. At CM&F, you won’t wait for an answer to your questions, and unlike other companies, when we say we will get back to you, we mean it.
Our executive management team directly supervises the customer service and underwriting groups-- there are no middle managers, and our executive managers are also owners. Proactive involvement by ownership in the day-to-day client experience is a central tenet of our business philosophy because it ensures that any issues our clients face are dealt with swiftly and completely. It also allows us to quickly isolate and fix problems in the process, so that our clients always experience top notch service. If you have a problem, it WILL be heard and it WILL be resolved. Guaranteed.
We believe that our greatest asset is the quality of our employees. Our employees are the first point of contact for our clients and are the ones who implement our strategy and make the “CM&F Advantage” come to life. That is why it's important for us to recruit talented and courteous people and to retain them. Our average employee retention is more than 6 years, almost 5 times the national average. This ensures familiarity with our clients and their needs, while building loyalty between our employees and the customers they serve, year after year.