CM&F Group vs Thimble
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| Item | CM&F Group | Thimble |
|---|---|---|
| Coverage limits | Up to $1M per claim / $6M annual aggregate | $1M per occurrence / $2M aggregate (adjustable) |
| Policy form | occurrence | occurrence |
| License defense | ✓ | — |
| Tail coverage | — | — |
| Rating | 4.4 | 4.1 |
| Best for | clinicians who want portable coverage with telemedicine and license defense built in | freelancers and part-time / niche professions that need flexible, short-term coverage |
| 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
Thimble
Pros
- General liability and professional liability included in fitness/trainer coverage
- Buy by the hour, day, month, or year; instant certificate of insurance (COI)
- Coverage applies wherever you work — gym, client's home, or a park
Cons
- Does not include license defense
- Workers' compensation (employee injury) is a separate policy
Last reviewed: 2026-07-07