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If you work in healthcare, you know that there’s a very real possibility that you could be sued at some point in your career. Mistakes may get made, or a patient (or their family) may simply want to blame someone for a difficulty they’re having. But with medical malpractice insurance in place, you’ll get a team to protect your best interests and insurance for the expenses that result from your defense and any damages that need to be paid.
Most healthcare professionals should have malpractice insurance, and, in many states, coverage is required in order to practice medicine. Medical malpractice insurance can help protect healthcare providers from the legal and financial burdens of a malpractice claim by covering things like legal costs and damages. Providers who need medical malpractice insurance include:
As a healthcare provider, you might be covered by your employer’s insurance. But here’s the thing: even if you receive some coverage under your employer’s medical malpractice policy, there are some situations in which you might not be protected. That’s why it can be important for healthcare professionals to have their own policies. With your own Berxi malpractice insurance, you’ll get coverage and benefits that many employers don’t offer, including:
Here are some noteworthy features of our medical malpractice insurance:
Your malpractice insurance premium will depend on several factors, including your profession, years of experience, and past claims history. For example, a nursing student may pay as little as $14/year.
Of course, the best way to find out how much a policy would cost is by getting a quick quote. It only takes a couple minutes, and if you decide you’re ready to buy, your policy can go into effect any day you’d like, including today.
If you work as an advanced practice or allied healthcare professional, 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
Medical malpractice insurance can help protect healthcare providers from claims, lawsuits, and challenges to their licenses that arise from on-the-job mistakes that allegedly harmed a patient. However, there are certain things a malpractice policy will not cover.
For example, claims involving criminal acts or sexual misconduct are not covered by medical malpractice insurance. If a patient files a claim alleging one of these acts, a healthcare professional may have to find representation outside of their malpractice provider.
In addition, healthcare providers who own their practice, employ others, or own or rent a commercial property face a number of risks that are instead covered by other types of insurance. These include:
We’re working to create a simpler, faster, and better insurance experience for our customers, and we think we’re the right choice for healthcare professionals. But, we also know that this is a really important decision, so we want to make sure you have all the information you need. Here are a few things that set us apart from other insurance companies.
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 quick 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. And if claim is ever filed against you, our team will help you to navigate the claims process.
"Helpful, rapid, and responsive service. They patiently and courteously helped me through the nuances of all my questions!"
Most healthcare providers and wellness professionals need medical malpractice insurance, including:
Medical malpractice insurance can provide healthcare professionals with legal representation and financial support when a patient or a patient’s representative claims they made a mistake or oversight that led to injury, loss, or death. If you ever face a medical malpractice lawsuit or a licensing board complaint, your Berxi malpractice policy can help cover:
The cost of medical malpractice insurance depends on the amount of risk you face, and it can vary a good deal. Your risk can be determined by a number of factors, such as your profession, your specialty and work environment, the number of hours you typically work, the state in which you live, and more.
Of course, the best way to find out how much your policy could cost is to get an online quote – it only takes a couple of minutes. But to help give you a sense of what to expect, we’ve compiled some average annual premiums for Berxi medical malpractice policies. As of 2024, here are average prices for occurrence policies for full-time healthcare professionals in Texas.
Registered nurses (RNs):
Nurse practitioners (NPs):
Physical therapists (PTs):
Physician assistants (PAs):
Psychologists:
Berxi’s top-rated medical malpractice policies provide comprehensive coverage for your legal defense and settlement costs. But that’s not all. We also offer coverages and benefits that other insurers might not:
Claims involving illegal acts or sexual misconduct are not covered by medical malpractice insurance. In addition, some risks are covered by other types of insurance:
While medical malpractice insurance is crucial for most healthcare providers, general liability insurance is also important for those who own their own practice or clinic, have a commercial space, rent or own vehicles for their business, or advertise their services. That’s because general liability insurance can cover physical injuries to non-employees that aren’t related to their medical care, as well as damage to others’ property caused by you or your employees.
In fact, GL insurance is often called “slip and fall” insurance because it can help protect you if a customer or visitor were to slip and hurt themselves on your commercial property. In addition, general liability insurance can cover you if your business is sued for personal injury, such as libel or slander.
Take a few minutes and see for yourself.
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