Business Insurance

We keep your business moving forward

The modern business environment is complicated, even for small and mid-sized businesses. Risk is no longer limited to the physical confines of a work environment, but has expanded to include the virtual world as well. At CM&F, we understand the risk faced by businesses today because we face them every day too: We are an independently owned and operated insurance agency in New York City, but we also administer specialized insurance programs online in all 50 states. We face the same risks that our clients do and we know how to create customized insurance solutions so you can worry less and focus on growing your business.

Our Business Insurance

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Cyber Liability and Data Breach Insurance

Cyber liability insurance coverage is designed to protect businesses against liability and expenses arising from the theft or loss of data, as well as liability and expenses arising from a breach of data security or privacy, particularly when you retain client information in your systems.  

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General Liability and Business Property Insurance

Combines general liability and business property insurance for your business (sometimes referred to as a “BOP”). This insurance covers certain losses resulting from property damage, suspended operations and liability resulting from bodily injury or property damage to others.  Worker's Comp, Commercial Auto, and Umbrella policies often join the general liability and property policies to form a "Commercial Package."

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Errors and Omissions (E&O) Insurance

The most common type of Errors & Omissions coverages are, Professional Liability insurance and Director’s & Officer’s Insurance.  For many businesses, this can be your most critical coverage. E&O insurance protects you and your business from potentially catastrophic litigation caused by charges of negligence or failure to perform your duties as a professional, trustee, director, etc.

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Our Background

CM&F Group was founded in 1919 as a retail insurance agency in New York City, primarily  servicing the insurance needs of local businesses and high net worth individuals in the Tri-State Area.  Over the years, our expertise has grown to incorporate specialty insurance programs for medical professionals and groups, but we continue our commitment to expertise in all areas of commercial insurance, particularly:  Ocean Marine Cargo, IT Firms and Professionals, Financial Institutions, Retail Shops and Non-Profits.  

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Our Carrier Partners

The insurance market is volatile, which is why we only partner with insurance carriers who are rated "A-" or better through A.M. Best, and we never compromise.  We also ensure that our carriers are dedicated to the markets that our clients are in.

How Do I Apply?

For all of our specialty programs for healthcare professionals and groups, just click on "Liability Insurance" above, then put your professional type into the search engine. When you locate you professional type, you can either click on "Apply Now" to immediately go into our web application portal, or you can choose learn more about your product. For all of out other products and departments, please don't hesitate to contact us at 1-800-221-4904.

Do I Have To Wait For A Quote?

ABSOLUTELY NOT! With our online application portals, you can get a quote, fill out your application and have confirmation of coverage in your email in minutes! If you need coverage quickly, whether to get a job or get credentialed, or simply for piece of mind, CM&F is your solution.

Can I Get A Quote Without Applying?

YES. You can go into our application portals anonymously, answer a few questions and get a no obligation quote. That is the rate you will pay based on the questions you answered. If you want to continue into the application and purchase the coverage, go ahead, but if you don't, that's OK too...you just walk away and come back another time.

Who Do We Cover?

Our specialty program for healthcare professionals and groups includes over 180 different classes of providers, including (but not limited to): PA's, NP's, Nurses, Physical Therapists, Homecare Aides, Acupuncturists, Physicians & Surgeons. We also write all types of medical groups, such as: Physical Therapy Groups, Mental Health Clinics, and PA or NP-Owned Clinics.

Need More Help?

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Are You A Broker Looking To Work With CM&F?

We work with both retail and wholesale brokers of all sizes.  All brokers have access to our entire product portfolio and earn the highest commissions in the industry.  Partner with us today!

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Any Questions?

99 Hudson Street, 12th Floor

New York, New York 10013