Healthcare Student Group or School Insurance

Healthcare Student Group or School Liability Insurance Policy Benefits

Our commitment to protecting healthcare schools dates back 40 years. Our comprehensive program offers Professional and General Liability coverage starting at $13.00 per student and that includes your school, your faculty and your students. We are partnered with one of the largest and most reliable liability insurance companies, so that we can offer the most competitive liability program for Healthcare Schools available in the market.

  • 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?

Your malpractice insurance should protect you, not hurt you financially. Since our founding in 1919, CM&F has taken pride in providing comprehensive, secure insurance solutions for all our customers. Affordable CM&F liability insurance does the job simply, providing only the highest quality insurance for Healthcare Student Groups or Schools, backed by superior customer service. We answer 98% of our calls in under 1 minute in addition to, unlike most companies, answering our email inquiries within an hour. 9 out of 10 clients say they would recommend CM&F to a friend or colleague. Any questions? Call or email us!

CM&F makes it easy to get a quote quickly, or apply for liability insurance. You don’t need to wait to get a quote for Healthcare Student Groups or School liability insurance. With our online application portal, you can get a quote emailed to you in minutes. Get the malpractice insurance coverage you need today!

How Do I Apply?

Click on the video for a quick look at how easy it is to get a quote, purchase coverage, and be on your way!

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.

For our Allied Healthcare clients: All the products we offer for Allied Health specialties include Occurrence Coverage, and so you never have to worry about a 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.

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.

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!

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