Things happen. Mistakes may get made, or a patient (or their family) may simply want to blame someone for a difficulty they’re having. Ultimately, it’s important to protect one of your biggest assets — your career. With our nursing malpractice insurance, you can rest easy knowing that the team at Berxi will be looking into your claim and providing you with the resources to protect you.
Nursing malpractice insurance is a type of professional liability insurance for nurses that can provide protection and financial support when a patient or a patient’s representative sues them for making a mistake. Medical malpractice is generally defined as a negligent act (i.e., doing the wrong thing) or omission (i.e., not doing something you should have) that leads to an injury, loss, or death.
Even if you aren’t at fault, a malpractice lawsuit can take a huge toll on your finances and your career – not to mention the emotional toll it can take. Not only are you responsible for the legal costs of defending yourself against a claim, including court fees and wages lost due to court appearances, but if found at fault, you’ll also be responsible for damages.
This is why malpractice insurance for nurses is so crucial: it can provide the legal and financial support you need in the event of a malpractice lawsuit. When you buy a nursing malpractice insurance policy, you’re protecting yourself from the financial blow of a malpractice claim. Berxi puts a dedicated attorney and a team of claims professionals in your corner to help you through the ordeal, giving you the peace of mind you need to continue supporting your patients.
But just as nursing is more than a simple source of income, nursing liability insurance is about a lot more than money.
The potential damage of a malpractice claim goes far beyond finances. When a patient or their family brings a lawsuit against you, it can threaten your nursing license, damage your reputation, and consume your valuable time.
That’s why Berxi’s nursing malpractice insurance policies offer a lot more than just financial support, including defense for nursing board complaints, HIPAA violations, and reputation damage.
Nursing malpractice insurance won’t take all the stress of a claim away, but in reducing the financial burden and helping you defend your career and reputation, it can greatly ease the strain.
Here are some noteworthy features of our malpractice insurance for nurses, LPNs, & LVNs:
In addition to malpractice insurance for nurses – also known as nursing liability insurance — we offer:
Nursing malpractice insurance for LPNs, LVNs, and RNs typically starts at around $68 per year. That said, the actual cost of your policy will depend on a number of factors, including your years of experience, education, state(s) in which you work, and time spent on the job.
Want to get a better idea of how much your nursing insurance policy could cost? Take a few minutes and get a quote now. If you decide to purchase, your nursing malpractice insurance policy can go into effect any day you’d like, including today.
Our malpractice insurance for nurses 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
Yes, we do. There are two ways to do this. If you’d like coverage as an LPN and as a student, you can simply purchase an LPN malpractice insurance policy and we can add a student endorsement to it. But if you prefer coverage only as a student, we also offer a variety of student policies that start at about $14 per year.
We’re working to create a better insurance experience for LPNs/LVNs and RNs by offering affordable coverage and outstanding service. Here are a few things that set our RN and LPN insurance 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 nursing malpractice 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.
“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… and the price is better than anywhere I’ve found.”
– Jeremy B.
“Completely stress-free setup and customized to my needs. So easy I didn’t even need to talk to anyone!”
– Che H.
“[My claims representative] was so compassionate. He listened and kept me informed on the status of the case. He really cared about what I was going through and reassured me that Berxi was on my side and that I didn’t need to worry.”
– Kim P.
Yes. Even if you’re covered under your employer’s policy, it’s important to have your own insurance policy. When you have your own dedicated nursing malpractice insurance policy, you get your own attorney, and you can be sure that you’ll have dedicated funds for your defense and any damages you may need to pay. In addition, with your own nursing insurance, you can get coverage that most employer policies don’t offer, including:
The short answer is that all nurses should be protected by their own nursing malpractice insurance policy. Without the right coverage, a malpractice lawsuit can be financially ruinous. People who need nursing insurance include:
We tailor our nursing liability insurance policies to give you exactly the amount of coverage and the limits of liability you need, based on the services you provide, the hours you work, your budget, and other factors. So if you’re an LPN who works 40 hours a week in a hospital setting, you’ll pay for exactly the amount of LPN malpractice insurance coverage you need – nothing more and nothing less.
Berxi nursing insurance policies include comprehensive malpractice coverage, and they provide you with the funds for your own legal defense outside the limits of liability. That means money spent on your legal defense – including your attorney, court fees, and other costs – won’t be deducted from the amount of money available to pay for any settlements or damages you’re required to pay.
In additional, our professional liability insurance for nurses offers a number of other coverages, including:
Berxi also offers two different types of malpractice insurance for nurses, depending on your needs and budget: claims-made policies and occurrence-based policies.
You can get a quick quote on our website. And if you like the price quoted, it only takes a minute to purchase your nursing insurance policy online – on average, Berxi customers save 20%!
Insurance can be confusing — we get it. You may have questions about what malpractice insurance does and why it matters. Luckily, Berxi can help. Find answers to your most pressing questions here.
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