For over 15 years, the CM&F Group has been the leader in liability insurance for PAs. Now, in cooperation with the AAPA, we are proud to bring liability insurance to PA Students at NO COST. There is no decrease in coverage and no gimmicks, it’s just another way to reinforce our commitment to the PA profession. All you have to do is apply online and in minutes, you are covered, at no cost to you. It’s doesn’t get any easier than that!
During your time in school, you just renew your free policy each year and you are covered. Then, when you graduate, you will have the opportunity to access CM&F’s PA NewGraduate® program, which provides thousands of dollars in discounts on liability insurance to newly graduated PAs. With free insurance for PA Students and thousands of dollars in discounts to PAs in those critical first five years in practice, CM&F puts our PAs’ needs first.
Malpractice insurance coverage is available to PA students as they pursue their education. As graduation time nears, CM&F’s student physician assistants are eligible for CM&F’s liability insurance new graduate rates. CM&F wants to make the transition from student, to graduate, to professional as simple, and affordable as possible. Through every stage of their career, CM&F provides portable, comprehensive, physician assistant malpractice insurance.
In recent years, medical professionals have been exposed to large liability claims as a result of their poor coverage from low-rated insurance companies. Students studying in the healthcare field are just as susceptible to liability claims or negligence lawsuits as licensed professionals are. To ensure policy holders have the most competitive and reliable physician assistant malpractice insurance in the market, CM&F only partners with the strongest and most committed liability insurance carriers.
There is significant risk in being named in a malpractice lawsuit, and the type of protection you have will matter if a claim arises. Some healthcare students may be told that they are covered by their school’s student liability insurance policy. But unless you are the OWNER of the policy, your interests could likely be viewed as secondary to your school should a claim arise. Your physician assistant student insurance policy with CM&F is portable, going wherever you go so you always know you’re covered.
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.
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.
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.