Nurse (RN)

Why Should I Choose CM&F?

CM&F Group offers the most comprehensive and lowest cost liability policy in the market today for nurses. With $1,000,000 in Occurrence protection at $102 per year for nurses practicing countrywide and $134 for nurses in Florida, CM&F makes your decision easy. The premium you see is the premium you get. No Membership Fees or hidden charges. Now with over 100,000 clients, we are the fastest growing liability insurance program for nurses and we continue to grow because we focus on the little things to set us apart: At CM&F we strive to answer 100% of our telephone calls, we say “please” and “thank you” and above all we offer that peace of mind that you are insured with the market's most superior insurance protection.

Since 1919, CM&F Group has been a privately held and family-owned firm, and being a family-owned business defines our company's culture. At CM&F, we firmly believe that if you treat your clients and your employees with respect and care, then the rest will fall into place. And although we have elected to stay smaller and privately owned, our roots in the nursing community run deep. In fact, we developed the very first liability insurance policy for nurses in 1947 and we continue our commitment today.


The CM&F Advantage

Outstanding Service

CM&F has a fully staffed customer support center with knowledgeable agents providing both online and phone support.  9 out of 10 clients say they would recommend CM&F to a friend or colleague, so reach out, we’re here to help!


Carrier Strength

Our program is underwritten by top-rated Medical Protective, rated A++ (Superior) by A.M. Best.  As the nation's oldest provider of healthcare malpractice liability insurance, Medical Protective has been protecting the assets and reputations of healthcare providers for over 100 years.


Quote & Buy With Ease

Most of our products are online and fully automated.  Our online application process is quick and easy and will have you on your way in minutes, with evidence of coverage in hand.  Get coverage and get credentialed today!  

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No Additional Fees!

Does it make you angry to pay additional fees?  Us too...CM&F decided years ago NOT to charge “Membership Fees,” "Policy Administration Fees," "Convenience Fees," or any other type of extra fees to our clients.  Even though it might only be a few dollars, why pay it if you don't have to?  Especially when those fees simply go into the pocket of the company.  CM&F will never charge their nurses “Membership Fees” or any other type of extra fee now or in the future.

Workplace Violence

Each year, thousands of nurses are assaulted at work, leaving them to pay for their own medical care until Worker's Compensation insurance kicks in, and that could take months...That's why we offer coverage for workplace violence in our policy, which would pay in the event you are hospitalized after such an event.  It's just one more way that we protect our clients. 

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More Than Just Protection Against Lawsuits

Most nurses are employed, and as such, are usually "covered" under their employer's insurance policy.  However, did you know that your employer's policy doesn't cover things like License Defense (if a licensing board brings an inquiry against you) or volunteer work?  Even if groundless, getting your own counsel could cost you thousands of dollars.  Our policy provides you with your own legal team, interested in protecting YOU, not your employer...for a lot less than you think.

Questions & Support

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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