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Should the unfortunate happen, the protection you have matters!
CM&F is one of the oldest and most reliable healthcare professional insurance providers in the nation.
Professional liability for healthcare schools, also called malpractice insurance, professional indemnity, or errors and omissions insurance, is vital to your business’s longevity should you, your employee, or your full practice be named in a malpractice lawsuit.
Even if you are not at fault, the out-of-pocket costs for legal defense is expensive. CM&F provides comprehensive malpractice liability insurance for healthcare schools that protects your business's financial stability and reputation from the damages of lawsuits resulting from negligence, errors, or undelivered services. Additionally, CM&F's malpractice insurance for healthcare schools also covers Legal Defense costs as well as the payment of any Court Award or Settlement.
In the interest of providing the most comprehensive coverage possible, CM&F's malpractice liability insurance for healthcare schools fluctuates with the relevant laws that dictate scope of practice. Should the scope of practice for the insured change, your policy automatically includes those changes, so you never have to worry about a gap in patient care services covered.
Our commitment to protecting healthcare schools dates back 40 years. Our comprehensive program offers Professional Liability coverage starting at $13.00 per student and that includes your school, your faculty and your students.
“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within the policy period, meaning you are covered for the time period during which you had the policy even if it is no longer active.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.
For our clients: All the products we offer for Allied Health specialties include Occurrence Coverage, and so you never have to worry about a Tail!
Yes almost all medical professionals are required by law to carry some level of liability insurance protection. Practicing medicine without professional liability insurance is like driving a car without auto insurance.
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 have the ability to pay with a VISA or MasterCard, 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 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).
Yes, we cover self-employed healthcare professionals and can include coverage for your business entity if needed. Get in touch with us to discuss your needs or select your profession and apply for a quote.