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 healthcare liability insurance for over 100 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.
Get the market-leading professional liability insurance program exclusively designed for members of the AAPM.
Family owned since 1919, CM&F believes in great products, with better technology for the best service. Rest easy that you’re backed by the market’s best liability insurance for Medical Physicists. We believe in investing in technology without sacrificing service. However, like so many companies these days, we don’t think technology solves everything. That is why we have a fully staffed call center as well as online support. At CM&F, we firmly believe that if you treat clients respectfully, then the rest will fall into place.
Get the medical physicist insurance that works for you. Most of our products are available online along with being fully automated, allowing our clients to purchase coverage in minutes with access to all their information online because we don’t believe in making people wait. Don’t leave your career exposed. Get insurance coverage through CM&F today!
Association Endorsement: American Association of Physicists in Medicine
Insurance Partner: Mercer Consumer
Insurance Partner: Med Pro
Policy Type: Claims-Made Only (No Occurrence)
Thousands of professionals have trusted us with their career, and it’s easy to see why. CM&F only partners with insurance carriers who carry the highest A.M. Best ratings in the market today!
Your “per occurrence,” sometimes written as “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).
“Occurrence” or “claims made” refers to the type of policy coverage you’d be purchasing. This affects when you are able to report a claim on your policy.
What is a claims made policy?
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”).
What is an occurrence policy?
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 Health clients:
All CM&F insurance products include occurrence coverage, and so you never have to worry about purchasing tail coverage!
If you apply for coverage online via CM&F’s secure Insured Access Portal, you can pay for and receive proof of coverage in just MINUTES! If you have the ability to pay with a credit card, we recommend applying for coverage online. Once you submit your application, you are emailed your coverage documents in minutes – No Delay, No Headache.
Your documents are also available for access 24/7 in your personal insured access portal account. Within the portal, all clients are able to download, print, or email their documents whenever needed.
If you are unable to purchase coverage online, please contact us for a paper application. We can accept applications through the mail or via fax. Please know, this can delay the receipt of your coverage documents by a few weeks due to processing and shipping time.
*Need help applying? Contact us for further instructions and assistance on accessing our Online Applications.
Our insurance plans are extremely flexible. We offer full-time, part-time, moonlighting or contracting policies for almost all professionals. Your coverage follows you wherever you work, 24/7.
Yes, we cover self-employed healthcare professionals. Please select “Self-employed” in the dropdown when choosing employment status.
If you have an occurrence policy, you can simply purchase the CM&F professional liability insurance policy when the policy with your current insurance provider expires. When using our online application, you are able to select your coverage date at least 30 days in advance, so you don't have to worry about coming back to apply on the exact day.
If your current policy is a claims-made policy, it is best to discuss the transition options with a CM&F service professional. We will help to ensure there are no gaps in your liability insurance coverage.
You may add additional insured to your policy at anytime. This can be done during the application process, as well as throughout the lifetime of the policy.