CPH & Associates vs CM&F Group
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| Item | CPH & Associates | CM&F Group |
|---|---|---|
| Coverage limits | Professional liability occurrence form; optional GL $1M / $3M aggregate | Up to $1M per claim / $6M annual aggregate |
| Policy form | occurrence | occurrence |
| License defense | ✓ | ✓ |
| Tail coverage | — | — |
| Rating | 4.3 | 4.4 |
| Best for | counselors, psychotherapists, and niche health professions wanting lifetime occurrence coverage | clinicians who want portable coverage with telemedicine and license defense built in |
| Get Quote | Get Quote |
CPH & Associates
Pros
- Occurrence (lifetime) form — coverage for incidents during the policy period never expires
- State Licensing Board Defense $35,000 and unlimited defense attorney fees in lawsuit defense
- A++ rated carrier (A.M. Best); talk to a licensed agent directly, no phone trees
Cons
- Sexual misconduct is defense-cost coverage only
- Higher limits and some coverages are optional add-ons
CM&F Group
Pros
- License Defense and HIPAA Defense coverage included as standard
- Telemedicine / telehealth malpractice coverage included at no additional cost
- 24/7 portable coverage that follows you (volunteer, per diem, moonlighting); insuring clinicians since 1947
Cons
- Brand is less known than HPSO or Berxi
- Quote requires entering practice details up front
Last reviewed: 2026-07-22