Home Healthcare Agency Insurance

Home Healthcare Agency Liability Insurance Policy Benefits

As a home health agency or registry, your primary concern should be professional, general and now, cyber liability protection. CM&F offers a fully automated, hassle-free process, which focuses on small to mid-sized accounts, and is specifically designed to get you covered in minutes. We gladly work both directly with agencies and registries or with retail brokers looking to place accounts (scroll down to see our generous commissions). If you’re tired of filling out lengthy paper applications and waiting weeks to get a quote, CM&F’s program for home healthcare groups is for you. Why Is CM&F’s Home Health Program Unique?

  • Highest Commissions To Retail Brokers
  • Focused On Small And Midsized Homecare Accounts
  • No Waiting--Fully Automated Underwriting
  • Admitted In All 50 States And D.C.
  • Occurrence And Claims Made Available
  • 30000+ Homecare Clients Trust CM&F
  • Access All Policy Information Online From Anywhere
  • Underwritten By A++ Rated Insurance Carrier
  • Agency/Staffing And Registry/List Providers

Why Should I Choose CM&F?

With a CM&F policy, there are no membership fees or hidden charges. Your malpractice insurance should protect you, not hurt you financially. Our insurance carriers include some of the most prestigious financial institutions in the world giving you access to innovative as well as comprehensive insurance solutions, no matter your business needs. Affordable CM&F liability insurance does the job simply, providing only the highest quality insurance for Home Healthcare Agencies, backed by superior customer service. 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 Home Healthcare Agencies. 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. Be fully protected with CM&F liability insurance. Get a quote 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 my own individual professional liability insurance policy make me a more likely target for a lawsuit?

ABSOLUTELY NOT. In fact, your insurance status is rarely discovered until you have been named in a lawsuit. At that point you are ALWAYS better off having your own individual liability protection to defend you against any allegations.

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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