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Broker Fees
Other Insurers
Up to 30% broker or admin fee may be included in price
Berxi
None
Financial Rating (per AM Best)
Other Insurers
Range from A++ to non-rated
Berxi
Berkshire Hathaway Specialty Insurance Company A++ rated carrier
Defense Costs
Other Insurers
Varies
Berxi
Defense is paid "outside the limits" of insurance, meaning defense costs won't be deducted from the money available to pay settlements
Deductible
Other Insurers
Varies
Berxi
No deductible
Limits of Insurance
Other Insurers
Flexible limits of liability
Berxi
Flexible limits of liability
Live, in-house, licensed agent carrier support
Other Insurers
Typically just for claims
Berxi
Yes, for coverage questions and claims
Portable 24/7 coverage wherever you are licensed
Other Insurers
Varies
Berxi
Included at no charge
Tail Coverage
Other Insurers
Offered
Berxi
Offered
Discounts for new dentists and dental association members
Other Insurers
Varies
Berxi
Yes
Coverage for all dental assistants and hygienists in your practice
Other Insurers
Varies
Berxi
Included at no charge
Locum Tenens Coverage
Other Insurers
Varies
Berxi
Included at no charge
Dental Association Membership Requirement
Other Insurers
Sometimes
Berxi
None
Board Action and License Protection Coverage
Other Insurers
Varies
Berxi
Up to $25,000 per policy period
Consent to Settle Clause
Other Insurers
Varies
Berxi
Will not settle without your consent
Coverage Territory
Other Insurers
May be limited
Berxi
Worldwide coverage
Medical Waste Legal
Other Insurers
Not always available
Berxi
Up to $25,000 per policy period
Peer Review Committee Coverage
Other Insurers
Sometimes
Berxi
Up to $25,000 per policy period
First Aid Expenses Coverage
Other Insurers
Not always available
Berxi
Up to $10,000 per policy period
HIPAA Violation Coverage
Other Insurers
Not always available
Berxi
Up to $25,000 per policy period
Wage Loss/Deposition Expense Coverage
Other Insurers
Up to $250/day
Berxi
Up to $1,000/day. Number of days not capped.
Good Samaritan Coverage
Other Insurers
Varies
Berxi
Included at no charge
Sexual Misconduct/Abuse Coverage
Other Insurers
Excluded from coverage, but will provide defense until final adjudication. Some carriers cap coverage at $25,000 for an additional premium.
Berxi
Excluded from coverage, but will provide defense outside your limits until final adjudication.
OPTIONAL COVERAGES AVAILABLE
Other Insurers
Berxi
Medicare/Medicaid Reimbursement
Other Insurers
Not always available
Berxi
$25,000 per policy period
Billing Errors and Omissions
Other Insurers
Not always available
Berxi
$25,000 per policy period
“Easy and quick quotes. Not overwhelming with wasteful emails. Great reminders for policy renewals.”
— Kerry C.
“The product specialist was excellent!!! Knowledgeable in the company’s insurance policy and helped me navigate through the website. BEST customer service I’ve had all year at any company. Because of their professionalism I purchased an insurance policy. Thank you!”
— Diane M.
“You guys helped me out at a great price when everyone else wanted to charge so much! Thank you!”
— Jennifer P.
“Berxi was recommended to me by a friend at another company, and now it seems that everyone where I work has them too! The quoting process was easy, the language about whether we were already covered by the company was easy to check in with HR about, and the price is better than anywhere I've found. Thanks a lot y'all!”
— Jeremy B.
