Claims Overview for Florida Policy Holders

We typically offer claims-made policies. The policy is in force from the effective date, but if you have selected to purchase retroactive (tail) coverage, you will be insured for those claims arising from occurrences subsequent to the retroactive date and subject to the knowledge and reporting provisions of the policy.

At CMLP, it is the company’s intent to litigate each and every claim. Litigation is a very unpleasant experience for most individuals. At CMLP we work hard to ensure a smooth litigation process for everyone we defend. Our legal defense team has the experience and knowledge necessary to handle the complex medical and legal issues that arise during the course of a claim. We believe that the vast majority of claims are not meritorious in their final analysis, and if brought to trial, the defense will prevail.

The success of CMLP is in large part due to an experienced Executive Board, physician-staffed underwriting committee, sound investment policies, excellent defense counsel, and teamwork between the Underwriting and Claims departments.

CMLP will make an offer of settlement or offer to arbitrate damages in each instance when the facts so indicate and will not pursue a case to trial if the claim can be settled. CMLP has full authority to settle claims, with or without approval from the Insured.