HPSO / NSO vs CM&F Group
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| Item | HPSO / NSO | CM&F Group |
|---|---|---|
| Coverage limits | $1M per claim / $6M annual aggregate | Up to $1M per claim / $6M annual aggregate |
| Policy form | occurrence | occurrence |
| License defense | ✓ | ✓ |
| Tail coverage | — | — |
| Rating | 4.6 | 4.4 |
| Best for | healthcare professionals who want widely recognized occurrence coverage with high aggregate limits | clinicians who want portable coverage with telemedicine and license defense built in |
| Get Quote | Get Quote |
HPSO / NSO
Pros
- High $1M / $6M aggregate limits; coverage stays in force even if you change jobs
- License Defense up to $25,000, HIPAA proceedings up to $25,000, Assault up to $25,000 (annual aggregate)
- 24/7 occurrence coverage with your own designated defense attorney; legal fees paid in addition to limits
Cons
- Policy is issued through NSO rather than HPSO directly
- Fewer customization options than digital-first carriers
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