CM&F Group vs Proliability (Mercer)
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| Item | CM&F Group | Proliability (Mercer) |
|---|---|---|
| Coverage limits | Up to $1M per claim / $6M annual aggregate | Up to $1M / $3M aggregate |
| Policy form | occurrence | occurrence |
| License defense | ✓ | ✓ |
| Tail coverage | — | — |
| Rating | 4.4 | 4.4 |
| Best for | clinicians who want portable coverage with telemedicine and license defense built in | nurses and allied-health professionals who want occurrence coverage with no tail |
| Get Quote | Get Quote |
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
Proliability (Mercer)
Pros
- Occurrence-based coverage through Liberty Insurance Underwriters — no tail coverage needed
- Licensing board reimbursement up to $25,000 per incident / $100,000 per policy period
- HIPAA coverage up to $50,000; the only AANP-sponsored NP plan since 2008
Cons
- Standard limits cap at $1M / $3M (lower aggregate than HPSO/CM&F)
- Online self-service flow feels dated
Last reviewed: 2026-07-07