
Group malpractice insurance is a vital protection for medical professionals who work in group settings. It provides a financial safety net in case of a lawsuit, allowing them to focus on their patients without worrying about their own financial well-being.
Having a group malpractice insurance policy can also provide a sense of security and peace of mind for medical professionals, knowing that they are protected in case of an unexpected event.
Group malpractice insurance policies often offer a range of benefits, including coverage for defense costs, settlements, and judgments. This can help medical professionals avoid financial ruin in the event of a lawsuit.
CM&F Insurance Options
CM&F offers liability insurance policies for individuals and groups, covering a wide range of healthcare professionals, from nurse practitioners and physician assistants to doulas and acupuncturists.
You can choose from three different types of insurance policies: occurrence, claims-made, and tail coverage policies.
CM&F also offers a variety of malpractice insurance solutions for medical professionals who aren't licensed physicians, providing benefits such as protection against medical malpractice claims.
Here are the three different types of insurance policies offered by CM&F:
- An occurrence policy
- A claims-made policy
- A tail coverage policy
These policies can provide peace of mind for healthcare professionals and their practices, helping to protect against the financial and reputational risks associated with medical malpractice claims.
CM&F Insurance Types
CM&F offers three different types of insurance policies to choose from. These policies cater to various needs and situations.
An occurrence policy is available, which covers incidents that occur during the policy period. This type of policy is useful for healthcare professionals who want to ensure they're covered for any mistakes made during their practice.
CM&F also offers a claims-made policy, which covers incidents that are reported during the policy period, regardless of when they occurred. This type of policy is ideal for healthcare professionals who want to minimize their liability.
Additionally, CM&F provides a tail coverage policy, which provides extended coverage for healthcare professionals who are leaving their practice or retiring. This type of policy ensures that they're still protected in case of any future claims.
Here are the three types of insurance policies offered by CM&F:
- An occurrence policy
- A claims-made policy
- A tail coverage policy
Policy Choice
Choosing the right policy is crucial for physicians and their practices. A tailored protection solution can help shield against legal, financial, and reputational risk arising from treatment decisions and actions.
Physician group practice liability solutions are designed to protect physicians and their practices. These solutions help mitigate the potential impact of a single lawsuit.
The website is intended to be informational, and descriptions are provided as a summary outline of available products and services. This means you should see your policy, service contract, or program documentation for actual terms, conditions, and exclusions.
Products and services may not be available in all states or jurisdictions. It's essential to direct any inquiries through licensed insurance professionals.
Options for Sole Proprietors & Clinics
CM&F offers a range of insurance solutions for medical professionals who aren't licensed physicians.
CM&F allows sole proprietors, clinics, and professional groups to provide their staff with affordable malpractice insurance. This is a valuable benefit for attracting top-quality employees.
If you operate a chiropractic office, a small surgical clinic, or a dental practice, providing your staff with malpractice insurance coverage can make a difference.
CM&F Group does not provide medical malpractice to physicians, but it's a good option for physicians looking to cover the expense of liability insurance for valued employees.
CM&F provides liability insurance to healthcare professionals in more than 150 different areas of medicine. This includes CNAs, pathology assistants, and radiology techs.
CM&F offers malpractice insurance coverage to non-physician employees and staff, making it a good choice for healthcare practices.
Understanding Insurance Policies
CM&F offers three different types of insurance policies to choose from, including an occurrence policy, a claims-made policy, and a tail coverage policy. These options are designed to provide flexibility and protection for healthcare professionals and their private practices.
An occurrence policy is a good choice for those who want to ensure they're covered for incidents that happen during their policy period, even if the claim is made later. This type of policy can provide peace of mind for healthcare professionals who want to know they're protected for unforeseen events.
CM&F offers liability insurance policies for groups, making it easy for private practices to ensure all employees have liability coverage. This is especially important for healthcare professionals who work together as a team.
Occurrence Policy
An occurrence policy is a type of medical malpractice insurance that protects you against claims made during the duration of the policy, even if the incident occurs years later.
This type of policy tends to be more expensive because it provides ongoing coverage into the future, beyond the extent of your employment. For example, if you had an occurrence policy when you graduated from medical school, you'd still be covered if a patient filed a lawsuit years after you'd completed your residency.
Occurrence policies have limitations on how much they can pay per claim or occurrence, which is standard practice among all insurance companies. The amount of coverage you pay for determines the maximum payout.
It's worth noting that occurrence policies are often preferred by medical professionals because they provide long-term protection, even after you've changed jobs or stopped practicing medicine.
Claims-Made Policy
A claims-made policy is a type of insurance coverage that covers patient claims made within the policy period. This can be problematic, as there's no way to predict when a patient may decide to file a claim.
Claims-made policies tend to cost less in the initial policy years, which is a benefit for healthcare professionals just starting out. The fewer patients you have and the less care you've administered to those patients, the less likely you are to be sued.
With a claims-made policy, you'll need to add a tail coverage policy or extended reporting endorsement (EPE) to protect yourself after the policy ends. This is because claims-made policies don't cover claims made after the policy period.
Coverage and Needs
CM&F offers policy limits up to $2,000,000, which can be a significant factor in determining the right coverage for your group.
Most clients get a policy with a limit of $1,000,000, but some choose to take less or more.
CM&F allows sole proprietors, clinics, and professional groups to provide members of their group or staff with affordable malpractice insurance.
Tail Coverage Policy
A tail coverage policy, also known as an extended reporting endorsement, is a way to protect yourself after your claims-made policy coverage ends.
You'll need to add an EPE or tail policy as you approach the end of your occurrence policy period to protect against claims made one, two, or three years down the road.
It's not necessary to have a tail coverage policy with an occurrence policy, only with a claims-made policy.
What Coverage Do You Need?
CM&F suggests most clients get a policy with a limit of $1,000,000. This is a good starting point, but you may need more or less coverage depending on your individual circumstances.
Policy limits can go up to $2,000,000 with CM&F. If you choose a higher limit, you can expect to pay more.
Some medical professionals choose to take less coverage, but it's essential to consider your specific needs and financial situation.
Collaborative Organizations in Clinically Integrated Networks
Collaborative Organizations in Clinically Integrated Networks can benefit from alternative risk solutions to leverage economies of scale. This allows them to help their members remain autonomous and competitive.
Alternative risk solutions can be especially valuable for IPAs/PHOs and ACOs. They can also be beneficial for specialty organizations.
By providing affordable malpractice insurance, CM&F Group can help these organizations attract top-quality employees. This can make a big difference in their success.
CM&F Group offers coverage options for sole proprietors, clinics, and professional groups. This includes providing members of their group or staff with affordable malpractice insurance.
Collaborative Organizations in Clinically Integrated Networks can use these options to create a more competitive and attractive work environment.
Benefits and Options
CM&F offers a range of benefits and options for group malpractice insurance, making it a valuable tool for healthcare professionals.
Group coverage is available to sole proprietors, clinics, and professional groups, providing a convenient way to offer malpractice insurance to staff members.
This type of coverage can be especially beneficial for small surgical clinics or dental practices looking to attract top-quality employees.
CM&F Group does not provide medical malpractice to physicians, but it's a great option for physicians to cover the expense of liability insurance for valued employees.
CM&F malpractice policies provide various benefits beyond paying for damages to patients, including defense coverage, expense reimbursement, and paying for claims when rendering first aid to a non-patient.
Here's a breakdown of the benefits:
- Defense coverage
- Expense reimbursement
- Paying for claims when rendering first aid to a non-patient
CM&F covers over 150 different areas of medicine, making it a reliable choice for healthcare professionals who interact with patients in person or virtually.
Is CM&F Good for Malpractice Insurance?
CM&F is a solid choice for malpractice insurance, especially if you're a physician looking to protect your non-physician employees and staff.
The company offers a variety of malpractice insurance solutions for medical professionals who aren't licensed physicians, providing a range of benefits.
CM&F provides liability insurance to healthcare professionals in over 150 different areas of medicine, making it a versatile option.
This means you can offer professional liability coverage to CNAs, pathology assistants, radiology techs, and many others who work in your practice.
CM&F is worth considering if you're looking for an insurance company that can provide malpractice insurance coverage to your non-physician employees and staff.
As a physician, you can offer this level of protection as an added benefit to your employees, giving you peace of mind and helping to reduce the risk of costly lawsuits.
Expertise and Solutions
Our team at Gallagher Healthcare has extensive experience in medical malpractice insurance, with over 60,000 physicians relying on us to find them insurance across the US. We've been providing malpractice insurance to individual physicians since the early 80's.
We work with almost every malpractice insurance carrier nationwide, giving us access to almost all medical malpractice insurance providers. This means we can show you every available option in the market.
Here are some key statistics about our success:
- 98% of our customers choose to renew with us each year.
- We've helped over 60,000 physicians find insurance.
Who Is CM&F?
CM&F Group has been in business since 1919, making it a family-owned company with a rich history. They have been providing quality malpractice insurance to medical professionals for nearly a century.
CM&F partners with various healthcare unions and professional healthcare groups to offer consistent insurance solutions. Their headquarters is located in New York, New York.
CM&F offers insurance products in multiple markets and partners with other reputable insurance companies, such as MedPro Group and Lloyd’s of London. This allows them to provide top-quality insurance policies to their clients.
CM&F insurance policies are available in all 50 states as well as Washington D.C. They have a strong presence across the country.
Unique Expertise

Our team's unique expertise sets us apart in the industry. We have one of the most experienced teams in the business, with a finely tuned response to manage physician group liability risk.
We combine medical and legal backgrounds with insurance expertise to give us an unparalleled depth of understanding of all issues related to professional liability risks and exposure. This expertise is built on a robust understanding of loss trends and claim scenarios across different practice types.
We leverage the skills of dedicated healthcare liability claims specialists to help minimize litigation, control costs, and achieve better outcomes. Our knowledgeable underwriters work closely with these specialists to provide the highest level of customer service.
Here are some key benefits of our unique expertise:
- We have over 60,000 physicians located all over the US who rely on us to find them insurance.
- We work with almost every malpractice insurance carrier nationwide.
- We have a renewal rate of 98% among our customers, a testament to our commitment to customer satisfaction.
Our extensive medical malpractice insurance experience helps us to provide tailored support to address the complex exposures of each practice. We've been providing malpractice insurance to individual physicians since the early 80s.
Healthcare Commercial Insurance Solutions
Our team of experts understands the unique needs of healthcare organizations, which is why our healthcare commercial insurance solutions are tailored to address the complexities of the industry.
Led by a team of medical professionals and legal experts, we have deep healthcare industry knowledge and specialized expertise in all facets of the healthcare industry.
This means we can provide comprehensive coverage and guidance to help healthcare organizations navigate the ever-changing landscape of healthcare regulations and laws.
Our team's expertise in healthcare industry knowledge and specialized expertise in all facets of the healthcare industry enables us to offer innovative and effective solutions.
Protection and Partnership
Our group malpractice insurance provides tailored protection that allows physicians to focus on what matters most: providing quality care to patients.
Solutions for complex risks are at the heart of our coverage, ensuring that physicians have the support they need to navigate even the most challenging situations.
Expertise that delivers is what sets our insurance apart, with a team that understands the unique needs of medical professionals.
Better claims outcomes are the result of our comprehensive coverage and experienced team, working together to minimize disruptions and get physicians back to what they do best.
We provide the protection and partnership that physicians need to thrive, with a focus on delivering expert solutions that make a real difference.
Where You Work
Working in a state with caps on damages can lead to lower malpractice premiums. In these states, the risk for healthcare providers is lower, resulting in lower premiums.
States without caps or limitations on malpractice lawsuits tend to have higher premiums. This is because the risk of being sued is higher, and insurance companies need to account for that.
The level of competition in your local insurance marketplace can also impact your rates. If there are many insurance companies competing for business, you may be able to shop around and find a better rate.
In areas with limited competition, insurance companies may have more control over pricing, leading to higher premiums.
A Protective Partnership
A Protective Partnership is all about providing tailored protection that allows professionals to focus on what matters most. Our coverage delivers expertise that delivers, ensuring better claims outcomes.
We understand the importance of complex risk management, which is why our solutions are designed to address these challenges head-on. By providing a safety net, we empower individuals to take calculated risks and pursue their passions without hesitation.
Our coverage provides three key benefits: solutions for complex risks, expertise that delivers, and better claims outcomes. Here are some of the ways we achieve these benefits:
- Solutions for complex risks
- Expertise that delivers
- Better claims outcomes
Expertise and Delivery
Our team of experts has a finely tuned response to manage physician group liability risk, thanks to their robust understanding of loss trends and claim scenarios across different practice types.
We've got knowledgeable underwriters who can help you navigate complex exposures and minimize litigation.
With dedicated healthcare liability claims specialists on our team, we can control costs and achieve better outcomes for your practice.
We combine our expertise with a customer-centric service approach that keeps your risk-management goals top of mind.
Medical Malpractice Insurance
Medical malpractice insurance is a crucial component of group malpractice insurance. CM&F offers liability insurance policies for individuals and groups, covering healthcare professionals such as nurse practitioners, physician assistants, doulas, and acupuncturists.
CM&F offers three different types of insurance policies: occurrence policies, claims-made policies, and tail coverage policies. These policies can be tailored to meet the specific needs of private practices, ensuring that all employees have liability coverage.
Physician practices need tailored protection against legal, financial, and reputational risk arising from treatment decisions and actions. Medical malpractice (MedMal) coverage solutions are available for solo physicians and medical groups across the country in all types of practices.
To determine if a lawsuit can proceed as a medical malpractice case, there are four criteria that must be met: the medical provider must have a duty to the patient, the medical provider must have breached that duty, the injury must have resulted from the breach of duty, and there must be an established link between the injury and the medical provider.
Here are the four criteria for a medical malpractice case:
- The medical provider must have a duty to the patient.
- The medical provider must have breached that duty as a result of action or inaction.
- The injury must have resulted from the breach of duty.
- There must be an established link between the injury and the medical provider.
If you're having trouble finding coverage in the normal market, joint underwriting associations for medical malpractice can be an option. However, this is generally a last resort.
Frequently Asked Questions
Who typically pays for malpractice insurance?
Typically, employers pay for malpractice insurance, with hospitals covering premiums for hospital-employed physicians. Your employer's coverage details may vary, so it's best to confirm their malpractice insurance policies.
How much is malpractice insurance per month?
Malpractice insurance costs vary greatly, ranging from $10 to several thousand dollars per month depending on the profession. Here's a breakdown of typical monthly costs for different healthcare professionals.
Sources
- https://physiciansthrive.com/financial-planning/cmf-insurance/
- https://aleragroup.com/property-casualty/healthcare-professional-liability
- https://business.libertymutual.com/commercial-solutions/healthcare-liability/physician-group-practice-liability/
- https://hudsoninsgroup.com/products/medicalprofessionalliability/
- https://www.gallaghermalpractice.com/products/medical-malpractice-insurance/
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