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Before you start clinicals, most nursing programs require that you have your own medical malpractice insurance. That’s where we come in. We provide affordable, top-notch insurance with no annual membership fees.
Nursing students will be insured for negligent acts and injuries caused while providing professional services.
Here are some noteworthy features of our nursing student malpractice insurance:
And did we mention we are often 20% less than competitors because you buy directly from us?
Nursing student malpractice policies typically start at $14 a year. That said, the best way to get an idea of what your policy would cost is by getting a quote. The process takes a minute or two, and — if you choose to purchase — your policy can go into effect any day you’d like, including today.
First off, congratulations! As you launch your new career, it’s really important that you have your own malpractice insurance in place. We offer policies for a number of nursing and advanced practice nursing professionals, including:
If you’re a nursing student, medical malpractice coverage insures you against claims of negligence or of making a mistake that caused bodily harm to another. This includes providing you with a lawyer to defend yourself and the funds you can use to pay judgments or settlements.
AMOUNT COVERED:
Typical limits of liability range from $500,000 per claim/$1 million aggregate to $2 million per claim/$6 million aggregate
If a claim is filed against you, we’ll retain a lawyer for you from our network of defense attorneys specializing in medical malpractice. We’ll also pay for related defense costs (e.g., lawyer fees, court fees, expert witness costs).
Note that these defense costs are outside the limits of your insurance. This means that their services don’t cut into the settlement fees you may need to pay after a ruling.
AMOUNT COVERED:
Provided in addition to your policy’s limits of insurance
We work with your defense attorney to reach the best possible outcome for you. We won’t settle a claim without your approval.
Your policy applies on a worldwide basis, as long as a claim is brought against you in the United States (which includes any U.S. territories or possessions).
If you provide professional care to someone who is not your patient in a first aid or emergency situation, and that person files a claim against you, your policy would still apply.
If a claim alleges that you violated privacy rules in connection with private health information, we provide you with access to counsel and will reimburse you for costs related to HIPAA proceedings — including relevant HIPAA fines.
AMOUNT COVERED:
$25,000 per policy period
If the professional licensing authority is investigating matters related to your professional conduct, our policy provides you with legal defense.
AMOUNT COVERED:
$25,000 limit per policy period
If we ask you to attend litigation activities (e.g., a deposition), our policy will reimburse you for actual lost wages and any necessary expenses you incur (e.g., travel, meals).
AMOUNT COVERED:
Up to $1,000 per day
If you face a threat to your professional reputation, we can provide you with a crisis management/public relations consultant to help clear your name.
AMOUNT COVERED:
$50,000 per claim
The policy applies if someone files a claim against you alleging that your premises or operations caused them bodily injury or harm.
AMOUNT COVERED:
$1 million occurrence/$1 million aggregate
If you’re audited by either Medicare or Medicaid, we offer reimbursement for related accountant or attorney costs that result from the investigation or defense of the audit proceedings.
AMOUNT COVERED:
$30,000 for a covered audit and related expenses
At Berxi, we’re working to create a better insurance experience for nursing students by offering affordable coverage and outstanding service. Here are a few things that set us apart.
You could say that we’ve got the best of both worlds: while we’re as flexible as a start-up, we also have the financial stability to make sure we’re around for the long term.
This means that we’re not just the people who sell you an insurance policy – we’re also the people who are responsible for handling your claim. There’s no one in the middle; it’s just us and you. Plus, working directly with us eliminates fees that are typical in insurance transactions. In fact, our customers typically save an average of 20% – and, in some cases, even more.
You can go onto our website to get a quote, buy a policy, and download your certificate of insurance – all in the exact same day. And if you ever need to file a claim, you can also do that digitally, too.
When you call our support line, you won’t have to navigate through an endless phone tree or argue with a robot: You’ll reach a real-life human being who’ll work hard to answer all your questions. Being a customer-first company is part of our mission — and we have a great reputation for it.
"Jason was very helpful. He provided information and was very accommodating, even when I changed the type of policy. He was patient and pleasant. Great experience. Thank you."
Take a few minutes and see for yourself.
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