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  1. I've been using CM&F for some years. As a part-time PA, occurrence $500,000/ $1, 000, 000 policy they want $3,060 for the year. Cinch, a Berkshire Hathaway Specialty Insurance, sent me an offer of $500, 000/ $1,000,000, part time worker for $2196 -- $864 (30%) difference! It covers reputation insurance, licensing board and HIPAA claims. Has anyone used the Cinch malpractice? Any comments? I am leaning towards making the switch to Cinch.