Medical Physicist Liability Insurance Policy Benefits
In partnership with the American Association of Physicists in Medicine (AAPM), Mercer Consumer has selected CM&F Group as the new program administrator for the Medical Physicists Professional Liability Insurance program. CM&F has been a leading provider of medical professional liability insurance for over 70 years. With over 100,000 clients, CM&F is committed to offering superior insurance products underwritten only by the best insurance carriers in the market. CM&F and Mercer have developed a market-leading professional liability insurance program for members of the AAPM.
Coverage Highlights:
- Professional Liability Limits $1,000,000 Per Claim / $3,000,000 Aggregate
- Pays court judgments and out of court settlements
- Pays legal fees and court costs outside policy limits
- No Deductible
- HIPAA Defense: $25,000
- Shielding Design/Damage to Property of Others sub-limit: $100,000
- Locum Tenens Coverage Included
- Prior Acts Insurance Coverage Available
Other Details:
Association Endorsement: American Association of Physicists in Medicine
Insurance Partner: Mercer Consumer
Insurance Partner: Med Pro
Policy Type: Claims Made Only (No Occurrence)
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.
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? See How Do I Apply For Coverage for instructions on accessing our Online Applications.
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.
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