CM&F’s acupuncture professional liability insurance, also known as acupuncturist insurance or acupuncture malpractice insurance, is comprehensive, portable, and flexible – offering 24/7 coverage that is inclusive of any services outlined within your scope of practice according to relevant state laws, as outlined within your policy agreement.
Not only does CM&F have the highest-rated policies, easy-to-use technology and an exceptional customer service team, but CM&F has protected healthcare professionals for over 100 years.
It’s never been easier to get a quote or apply for acupuncturist malpractice insurance. You can go into our application portal anonymously, answer a few questions and get an instant, no-obligation quote. The rate you see is the rate you will pay based on the questions you answered.
We’re known for affordable professional acupuncturist insurance that does the job simply.
Your “per occurrence,” sometimes written as “per claim,” limit refers to the total amount the insurance company will pay per incident during the policy term. Your “aggregate” limit is the total amount the insurance company will pay for multiple claims over the course of one policy term (which is often one year).
“Occurrence” or “claims made” refers to the type of policy coverage you’d be purchasing. This affects when you are able to report a claim on your policy.
What is a claims made policy?
You are only able to report a claim on a claims made policy while the policy is active. For instance, if you let your policy expire, and then six months later a former patient brings a lawsuit against you for an incident which occurred during the policy period, a claims made policy would no longer cover that claim (unless you purchased an Extended Reporting Endorsement, or “Tail Coverage”).
What is an occurrence policy?
An occurrence policy covers you indefinitely for incidents that occur within the policy period, meaning you are covered for the time period during which you had the policy even if it is no longer active. It is essentially the same as a claims made policy with a built-in Tail.
For our Allied Health clients:
All CM&F insurance products include occurrence coverage, and so you never have to worry about purchasing tail coverage!
If you apply for coverage online via CM&F’s secure Insured Access Portal, you can pay for and receive proof of coverage in just MINUTES! If you have the ability to pay with a credit card, we recommend applying for coverage online. Once you submit your application, you are emailed your coverage documents in minutes – No Delay, No Headache.
Your documents are also available for access 24/7 in your personal insured access portal account. Within the portal, all clients are able to download, print, or email their documents whenever needed.
If you are unable to purchase coverage online, please contact us for a paper application. We can accept applications through the mail or via fax. Please know, this can delay the receipt of your coverage documents by a few weeks due to processing and shipping time.
*Need help applying? Contact us for further instructions and assistance on accessing our Online Applications.
Our insurance plans are extremely flexible. We offer full-time, part-time, moonlighting or contracting policies for almost all professionals. Your coverage follows you wherever you work, 24/7.
Yes, we cover self-employed healthcare professionals. Please select “Self-employed” in the dropdown when choosing employment status. If however you are self-employed and employ more than just yourself, please complete the group application here.
If you have an occurrence policy, you can simply purchase the CM&F professional liability insurance policy when the policy with your current insurance provider expires. When using our online application, you are able to select your coverage date at least 30 days in advance, so you don't have to worry about coming back to apply on the exact day.
If your current policy is a claims-made policy, it is best to discuss the transition options with a CM&F service professional. We will help to ensure there are no gaps in your liability insurance coverage.
You may add additional insured to your policy at anytime. This can be done during the application process, as well as throughout the lifetime of the policy.
CM&F is not your typical insurance provider. We have been in the business of protecting healthcare providers since 1919, and have always been ready to support our clients. As the healthcare industry has had to evolve over the years, the professional liability insurance providers also have had to change. No matter the change or cause, CM&F has continually advocated for full liability protection at an affordable cost by profession by state.
CM&F has successfully lead the way forward in protecting over 200 professional specialties across the healthcare industry, with a singular focus on providing superior service and innovative insurance products.
Whether you need to quickly buy insurance online, access your policy documents in real-time, or discuss a coverage question over the phone, CM&F is there for you.
Get professional liability insurance for acupuncturists from CM&F for 24/7, comprehensive coverage.
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 insurance coverage with: