“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within the policy period, meaning you are covered for the time period during which you had the policy even if it is no longer active.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.

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 liability 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.

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.

If you have the ability to pay with a credit card, we recommend applying for coverage online.  The process usually takes less than 10 minutes to complete and once you submit your application, you are emailed your coverage documents in minutes–No Delay, No Headache.

If you can’t complete the online application but need your documents right away, you can always fax your application to the number above and include a note directly on the application requesting that we mail or fax your documents as soon as we process.

*Need help applying? Contact us for further instructions and assistance on accessing our Online Applications.

Your “Per Occurrence,” or “Per Claim,” limit is 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).

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 “med mal.” Professional liability insurance can also be known as an errors and omissions insurance or professional indemnity insurance.