Cosmetic Nurse Liability Insurance Policy Benefits
CM&F offers Cosmetic Nurse malpractice insurance with the most innovative, comprehensive insurance solutions. CM&F malpractice insurance for Cosmetic Nurses places your needs first. We’re here to help if the unfortunate happens.
- Occurrence & Claims Made Coverage Options
- Coverage options up to $2 Million Per Claim
- Full Consent to Settle Claims
- License Defense Coverage
- General Liability Available
- Defense Costs in Addition to Liability Limits
- HIPAA Defense Coverage
- 24/7 Coverage Portable Coverage – Take your policy with you if you change jobs
Why Should I Choose CM&F?
CM&F Group has been a privately held, family-owned firm; being a family-owned business defines our company’s culture. We’re here to offer you peace of mind that you are insured with the market’s most superior liability insurance for Cosmetic Nurses. At CM&F we strive to answer 100% of our telephone calls, while above all offering that peace of mind that you are insured with the market’s most superior liability insurance for Cosmetic Nurses. We hope everything goes smoothly, but we are here when you need us if it doesn’t. Count on us to be with you every step of the way.
If you need liability insurance coverage quickly, whether to get a job or get credentialed, or simply for peace of mind, CM&F is your solution. You can go into our application portal anonymously, to answer a few questions to get a no obligation quote. That is the rate you will pay based on the questions you answered. Protect your livelihood by getting liability insurance coverage through CM&F today!
The Right Coverage Is More Important Than Ever
The healthcare business environment is more complicated than ever, let CM&F navigate you through some of the challenges with Professional, General and Cyber Liability tailored for medical groups.
The CM&F Advantage
Outstanding Services
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!
Do I need Occurrence or Claims Made coverage?
"Occurrence" or "Claims Made" refers to the type of coverage you'd be purchasing. This affects when you are able to report a claim on your policy.Claims Made: 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").Occurrence: 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.
Does having personal liability insurance make me more of a target for lawsuit?
ABSOLUTELY NOT. In the event of a lawsuit, the injured patient's lawyer will typically name everyone that was involved in the patients care. Lawyers have no way of knowing who does or does not have malpractice insurance, as there are no public registries of private insurance contracts. Our liability policy will provide coverage immediately upon notice. That is the protection you need.
How Quickly Can I Get My Coverage Documents?
You Can Either Apply Online OR Download Your Application And Mail Or Fax It To Our Offices. Below Are The Turn Around Times For Each Method:
- If you apply for coverage online via our CM&F Online Web Applications*, you can pay for and receive proof of coverage in MINUTES!
- Printing and Mailing a PDF application can delay the receipt of your coverage documents by a few weeks due to mailing time.
- You can always fax your paper application to 212-608-4378, and we will process within a few business days, then mail your policy documents out to you, which may take a week or more.
What are “Per Occurrence” & “Aggregate” liability limits?
Your "Per Occurrence," or "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).
What is Professional Liability Insurance?
Professional Liability Insurance provides protection against covered claims arising from real or alleged errors or omissions, including negligence, in the course of your professional duties. For Healthcare workers, this is commonly referred to as, "Medical Malpractice Insurance" or simply, "Med Mal." It can also be known as an "Errors and Omissions" policy.
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!