Quick answer: if you work in an allied health or healthcare support role, you can quote professional liability coverage online in minutes. Choose your profession below to start an instant quote, or call us and we will walk through it with you.
194 professions eligible · Quotes provided through CM&F Group · PRIA Brokers, CA License #0G81238
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Answer a short application and see pricing for your profession without waiting for a callback.
Coverage built for healthcare and allied health work, not a generic business policy.
Employers, facilities, and contracts often require proof of coverage before you can start.
Dean Hamid is appointed with CM&F Group and can help compare options when the instant quote is not enough.
The first number is the most the policy pays for any one claim. The second is the most it pays across the whole policy period. Same per-claim protection, different ceiling for the year.
| Limit | Best for | Contract fit | Premium indication | Get quote |
|---|---|---|---|---|
| $1,000,000 / $1,000,000 | Part-time and per-diem practitioners, independent contractors, and roles where a single claim is the realistic exposure: fitness instructors, massage therapists, technicians, and aides. | Meets the most common facility, staffing agency, and client contract requirement. Confirm any higher limit or additional insured wording before you buy. | Lowest premium of the two. Indicative only, subject to underwriting. | Quote $1M/$1M |
| $1,000,000 / $3,000,000 | Full-time clinicians and higher-touch roles with repeated patient contact: therapists, nurses, behavior analysts, counselors, and anyone seeing clients daily. | The limit many healthcare employers, hospital systems, and payer contracts reference. Choose this when a contract names $1M/$3M specifically. | Higher than $1M/$1M, typically by a modest amount. Indicative only, subject to underwriting. | Quote $1M/$3M |
Limits are per claim and aggregate, and defense costs may erode the limit depending on the form. Premium indications above are descriptive, not quotes. Actual pricing depends on profession, state, hours worked, work setting, and claims history, and is subject to carrier underwriting and policy terms.
Detailed coverage pages for the roles we get asked about most.
Massage Therapist Insurance
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Read guideOccupational Therapist Insurance
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Read guideChildbirth Educator Insurance
Read guideEvery profession below has its own instant quote application. Search by name or browse the A to Z list.
194 professions eligible for instant quotes
Prefer to start from the group name your employer, contract, or CM&F paperwork uses? Choose a program group below and the instant quote application opens in a new tab.
51 groups available for instant quotes
Not sure which group applies? Call (888) 998-7742 and we will point you to the right application.
An employer’s policy protects the employer. It does not always protect your license, your personal assets, or your professional reputation if a patient, client, or family member alleges that your work caused harm. Many facilities, staffing agencies, and client contracts require proof of your own professional liability coverage before you can work, and some require a specific limit or certificate wording.
Allied health work carries exposure that is easy to underestimate: a massage or physical therapy session that aggravates an injury, a behavioral intervention that a family disputes, a lab or imaging result that was recorded incorrectly, a fitness class where someone is hurt, or a counseling relationship where a boundary or confidentiality question arises. Professional liability responds to those allegations and pays for your defense, which is usually the larger cost.
Coverage is typically written on a claims-made basis, so the policy in force when a claim is reported responds, and the retroactive date determines which past work is covered. Limits commonly start at $1,000,000 per claim / $3,000,000 aggregate for individual practitioners, and pricing varies by profession, state, hours worked, and claims history. Any figure shown in an instant quote is subject to underwriting and policy terms.
PRIA Brokers is appointed with CM&F Group for these programs. We also place coverage with more than 50 A-rated carriers, so if the instant quote does not match what your employer, facility, or contract requires, we can compare alternatives.
Background on how claims work, what tail coverage does, and why coverage is not only for doctors and lawyers.
What dental professional liability covers, the claims practices actually face, and how entity naming and sedation gaps work.
Read article Coverage BasicsCoverage is not only for doctors and lawyers. How professional liability applies to smaller practices, technicians, and support roles.
Read article Prior Acts & TailClaims-made policies only cover work back to the retroactive date. What that means when you change jobs, switch carriers, or stop working.
Read articlePick your profession above, or call and we will start the application with you.
Quick answers from our brokers. Anything else, we're a phone call away.
It responds to claims that your professional services caused a patient or client injury or financial loss, and it pays the cost of defending those allegations. That includes things like a treatment that aggravated an existing injury, a behavioral or counseling intervention a family disputes, a misrecorded lab or imaging result, a client injured in a fitness class, or an allegation involving confidentiality or boundaries. Coverage and exclusions vary by form; policy language controls.
Often yes. An employer's policy protects the employer, and it may not cover your personal exposure or satisfy a facility, staffing agency, or client contract that requires proof of your own coverage. Many practitioners are asked for a certificate before they can start work.
Individual practitioner policies are commonly written at $1,000,000 per claim / $3,000,000 aggregate. Some employers and contracts require $1M/$1M, and a few require higher limits or additional insured wording. Match the limit to the strictest requirement you work under.
Pricing varies by profession, state, hours worked, work setting, limits, and claims history. Many individual roles quote in the low hundreds per year. Any figure shown online is an indication subject to underwriting review, not a guaranteed premium.
This page lists roughly 190 allied health and healthcare support roles, from acupuncturists and athletic trainers to respiratory therapists, behavior analysts, lab technologists, and yoga instructors. Each has its own application through the CM&F Group program.
Pick your profession from the list, then the CM&F form opens in a new tab. The application asks for your state, work setting, hours or sessions per week, whether you carry other coverage, and your claims history. You see pricing and coverage options online, and you can buy the policy through the same form. If your role is not listed or your situation is unusual, call (888) 998-7742 and we will route you to the right application.
Quoting is not binding. Coverage begins once you complete the application, pay the premium, and the carrier accepts it. Confirm the effective date on the confirmation before you start work, since employers and facilities usually require an active policy and a certificate on file.
Yes. Certificates are issued after the policy is in force, usually through the carrier or CM&F. If a contract requires specific wording, a higher limit, or an entity endorsement, call (888) 998-7742 before you buy so we can confirm the form you are purchasing will satisfy it.
Same coverage questions, different answer depending on your license, setting, and duties. Pick your role to read the full guide, or call (888) 998-7742 if your situation does not fit a standard program.
Showing all 20 roles
Massage therapists can quote professional liability coverage instantly, and most California therapists carry it because spas, chiropractic offices, gyms, and independent contracts require proof of coverage before they will book you. The policy responds to allegations that your work caused injury or financial loss, and it pays for your defense.
Read the massage therapist guidePhysical therapists, PT assistants, and aides can quote professional liability instantly. Coverage responds to allegations that treatment, exercise prescription, or modality use caused injury, and it pays defense costs, which usually exceed any settlement. Many clinics and contracts require proof of your own policy before you treat patients.
Read the physical therapist guideRNs, LPNs, and LVNs can quote professional liability instantly. A nurse's own policy responds to allegations that your nursing care caused harm and pays for your defense, including licensing board matters under many forms. It also protects you when you work per diem, travel, or hold a second job where you are not named on the facility policy.
Read the registered nurse guideBoard Certified Behavior Analysts, assistant analysts, and behavior technicians can quote professional liability instantly. Coverage responds to allegations that assessment, treatment planning, supervision, or direct intervention caused harm, and it pays defense costs. Payers, schools, and ABA agencies frequently require proof of individual coverage with specific limits.
Read the bcba and behavior analyst guideMed spa owners, nurse injectors, and estheticians can quote professional liability instantly. Cosmetic treatment claims, from burns and pigment changes to asymmetry and infection, are treated as professional services, not general liability exposures, so a standard BOP or GL policy usually leaves the actual claim uninsured. Coverage responds to allegations that your treatment caused injury and pays for your defense.
Read the med spa guideDental hygienists and dental assistants can quote professional liability instantly. Coverage responds to allegations that your clinical work caused injury, from scaling and root planing injuries to missed periodontal disease, and it pays defense costs. Many practices, staffing agencies, and temp assignments require proof of your own policy, and a dentist's policy does not follow you between offices.
Read the dental hygienist guideMedical assistants can quote professional liability instantly. Coverage responds to allegations that your clinical support work caused injury, from injections and blood draws to vitals, specimen handling, and patient instructions, and it pays defense costs. Many clinics, staffing agencies, and temp assignments require proof of your own policy before you start.
Read the medical assistant guideMental health counselors and psychotherapists can quote professional liability instantly. Coverage responds to allegations that your clinical care caused harm, including claims involving suicide risk, boundaries, confidentiality, and custody or court involvement, and it pays defense costs. Licensing board complaints are also covered under many forms, which matters as much as civil suits in this field.
Read the mental health counselor guidePhlebotomists can quote professional liability instantly. Coverage responds to allegations that a blood draw or specimen handling caused injury or a delayed diagnosis, including nerve damage, hematoma, infection, and mislabeled specimens, and it pays defense costs. Mobile draw services, staffing agencies, and independent contractors are usually asked for proof of their own coverage.
Read the phlebotomist guidePersonal trainers and fitness instructors can quote professional liability instantly. Coverage responds to allegations that your instruction, program design, or supervision caused injury, from a strain during a session to a client who collapses during class, and it pays defense costs. Gyms, studios, and independent client contracts frequently require proof of your own coverage.
Read the personal trainer guideEstheticians can quote professional liability instantly. Coverage responds to allegations that a treatment caused injury or a poor outcome, from chemical peel burns and waxing injuries to reactions, pigment changes, and infection, and it pays defense costs. Salons, spas, and booth rental arrangements usually require proof of your own coverage.
Read the esthetician guideAcupuncturists can quote professional liability instantly. Coverage responds to allegations that treatment caused injury, from retained or broken needles and bruising to burns from moxibustion or cupping, infection, and delayed medical referral, and it pays defense costs. Most California acupuncture boards, clinics, and landlord agreements expect proof of your own policy.
Read the acupuncturist guideAthletic trainers can quote professional liability instantly. Coverage responds to allegations that your evaluation, taping, rehabilitation, or return-to-play decision caused harm, including missed fractures, worsened injuries, and emergency-response claims, and it pays defense costs. Schools, club teams, and contract agreements usually require proof of your own policy before you work events.
Read the athletic trainer guideAudiologists can quote professional liability instantly. Coverage responds to allegations that testing, fitting, or device care caused harm, including missed pathology, improper amplification, cerumen management injuries, and delayed referral, and it pays defense costs. Clinics, ENT groups, and retail hearing aid arrangements each have their own coverage questions, so the policy needs to match how you actually practice.
Read the audiologist guideOccupational therapists can quote professional liability instantly. Coverage responds to allegations that evaluation, treatment, or equipment recommendations caused harm, including falls during transfers or ADL training, injury from adaptive equipment, and pressure injuries, and it pays defense costs. Schools, home health agencies, and contract therapy companies usually require proof of your own policy.
Read the occupational therapist guideSpeech-language pathologists can quote professional liability instantly. Coverage responds to allegations that assessment or therapy caused harm, including missed diagnosis, aspiration during feeding therapy, and claims about delayed progress or inappropriate discharge, and it pays defense costs. School districts, clinics, and contract or teletherapy arrangements each have their own coverage expectations.
Read the speech-language pathologist guideChiropractors can quote professional liability instantly. Coverage responds to allegations that an adjustment or related treatment caused injury, including disc injury, vertebral artery claims, fractures in older patients, and delayed medical referral, and it pays defense costs. Professional liability, not general liability, is what responds to treatment claims, and most landlords, networks, and payer contracts ask for proof of both.
Read the chiropractor guideBehavioral therapists and behavioral health technicians can quote professional liability instantly. Coverage responds to allegations that your care caused harm, including claims about boundaries, restraint or crisis intervention, supervision lapses, and confidentiality, and it pays defense costs. Agency policies usually cover agency shifts only, so contract, in-home, school, and private-pay work needs your own policy.
Read the behavioral therapy guideCase managers and care coordinators can quote professional liability instantly. Coverage responds to allegations that your coordination caused harm, including missed referrals, delayed placements, inadequate discharge planning, and confidentiality or benefits errors, and it pays defense costs. Hospital, insurer, and agency policies cover their own work, so independent, contract, and consulting case management needs your own policy.
Read the case manager guideChildbirth educators can quote professional liability instantly. Coverage responds to allegations that your classes, labor support, or lactation guidance caused harm, including claims about missed complications, unsafe advice, and scope-of-practice disputes, and it pays defense costs. Hospitals, birth centers, and doula agencies usually ask for proof of your own policy before you attend a birth or teach on site.
Read the childbirth educator guideNot seeing your role? The full program list covers roughly 190 allied health professions.
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