r3sullivan

Yes great insurance question. We do have the standard "Other Insurance" clause as does all other policies really. That is the industry standard. In terms of paying claims I can assure you over the years we have paid many multi-million dollar claims on nurses behalf and will unfortunately continue to do so in the future. Now with that said just because our policy pays a large amount does not mean the Hospital is off the hook right. The most common occurrence is that all the parties involved assign fault and pay based on that. In terms of seeing the policy we would be more than happy to send a copy. Actually we are in the process of posting a lot of the forms on our website at Home | CM&F. Until then we are happy to share. CM&F Group

CM&F has actually been protecting nurses since 1947 and developed the very first nursing liability insurance in conjunction with the American Nurse Association. There are no doubt some very large players in the market today offering insurance for nurses that are more well known. Our strength here at CM&F is our focus on the little things nurses care about. We do our very best to offer top level and friendly service, a very competitive product and responsiveness to nurses needs. Most of the larger competitors are multinational insurance companies that focus on every industry sector in the world. We at CM&F focus almost entirely on the healthcare market with our nursing program as the foundation. We hope this new partnership will be an opportunity to introduce ourselves to those that have not heard of us before and invite feedback. With all that said we do maintain one of the top 2nd or 3rd largest nurse insurance programs in the country. So although we try to stay true to our core family business roots our business has really grown to more than 100,000 over the years. Thank you - CM&F Group

Hi, Great questions regarding the insurance coverage offered by CM&F Group and in partnership with allnurses. Our insurance policy is actually a primary insurance policy for nurses. It would NOT be considered excess. There are insurance policies out there that would provide insurance as excess over another insurance policy provided by your employer or your hospital. The great thing about our policy is it's a primary nursing professional liability (malpractice) policy (sorry, "medical" malpractice is industry lingo, and sometimes we have a hard time not being "insurance-y"). If you are brought into a lawsuit while working at a hospital our policy would be triggered and defend you at the first dollar level. Now since there are potentially many insurance policies in place from the hospital, the physicians the nurses etc. our policy would work with those policies to determine if there was a judgement or payout. Our primary focus would be to prove the nurse was not negligent and get the nurse dropped form the lawsuit entirely. If you did not have your own policy you would not have that advocate on your side during the suit. Thank you CM&F Group