Bringing peace of mind to professionals since 1919.

Getting coverage is simple

Discover the benefits of having malpractice insurance and get a quote in 5 mins

Comprehensive, tailored liability insurance for mental health professionals

CM&F Group, a division of Specialty Program Group, LLC., specializes in medical malpractice insurance for Allied Healthcare Providers. Since 1919, CM&F has adapted to changes in healthcare, now insuring over 140,000 professionals nationwide through partnerships with top insurance carriers. They provide accessible liability insurance by leveraging advanced technology, education, strategic partnerships, expert service, and diverse talent from inside and outside the insurance industry.

Comprehensive coverage options

Get coverage options up to $2 million per claim with full consent to settle claims.

Modern healthcare solutions

Benefit from 24/7 portable telemedicine coverage, protecting you everywhere you practice.

Professional protection

Protect your license with dedicated defense coverage, including sexual misconduct defense.

Broad liability coverage

Access general liability coverage tailored to your needs.

Enhanced defense benefits

Enjoy defense costs coverage in addition to your liability limits.

Privacy compliance

Secure HIPAA defense coverage to safeguard your practice.

See what your peers are saying about CM&F Group

t.com Partner Pages 5 stars

"CM&F makes insurance easy. They've simplified the usually complicated renewal process. They're there if/when you have questions/requests/changes. They are efficient and kind. I could not ask for more! Thank you!"

-Colleen

t.com Partner Pages 5 stars

"The process of getting a quote and then making an application for that policy of my choosing was well-designed and super simple. Thank you for making it so easy."

-Lynette

t.com Partner Pages 5 stars

"I was able to renew my malpractice insurance without any difficulty. Also, I was able to print and e-mail my policy to my place of employ in a timely fashion."

-Eugene, RN

t.com Partner Pages 5 stars

"I have had 2 intent letters from attorneys in 17 years of practice — CM&F was front and center to defend me when needed... thank you CM&F."

-Robert, NP

Frequently asked questions

What is the difference between "per occurrence" vs. "aggregate" liability limits?
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).
How quickly can I get liability insurance 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 info@cmfgroup.com for further instructions and assistance on accessing our Online Applications.
I am self-employed. Can I apply for coverage?
Yes, we cover self-employed healthcare professionals. Please select “Self-employed” in the dropdown when choosing employment status.
How do I transfer my existing liability policy under another company to CM&F so that there is no gap in time of coverage?
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.