CM&F specializes in physical therapist liability insurance, also known as physical therapy malpractice insurance, that is tailored to the individual needs of PTs. Designed to protect your assets, license and reputation, CM&F’s superior professional liability insurance brings peace of mind to physical therapists.
CM&F’s physical therapist professional liability insurance policies are comprehensive, portable, and flexible – offering 24/7 coverage that is inclusive of any services outlined within your scope of practice according to relevant state laws, as outlined within your policy agreement.
CM&F is one of the country’s longest-standing professional liability insurance providers, with over 100,000 healthcare providers across the U.S. putting their careers in the hands of CM&F. With excellent service, innovative technology, and even better coverage, CM&F has your back with the market’s best professional liability insurance for physical therapists.
Family owned and operated since 1919, CM&F has been a trusted partner to millions of healthcare professionals over the years. Developing the very first liability insurance policy for registered nurses in 1947, and nurse practitioners in 1987, CM&F has been at the forefront of protecting their clients personal and professional livelihoods for over 100 years. CM&F continues to lead the way forward in protecting over 200 professional specialties across the healthcare industry, with a singular focus on providing superior service and innovative insurance products.
CM&F continues to invest in service and technology helping to support our clients wherever they are. Whether you need to quickly buy insurance online, access your policy documents in real-time, or discuss a coverage question over the phone, CM&F is there for you.
Get physical therapist professional liability insurance coverage through CM&F today!
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 however you are self-employed and employ more than just yourself, please complete the group application here.
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.