Log in to manage your policy, generate a certificate of insurance (COI), make a payment, and more.
Account Sign-InSign In
Log in to your account to update your information or manage your policy.
Get a COI
Download a Certificate of Insurance (COI) to provide to your employer.
Make a Payment
Make a one-time payment, set up autopay, or update your payment information.
Claims
Submit a notice of an incident or claim in just minutes.
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. 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.
Here are some noteworthy features of our occupational therapy malpractice insurance:
OT malpractice insurance policies start at about $150 a year. However, the price of your particular policy will depend on a number of different factors, including — but not limited to — where you work, how often you work, and how many years of experience you have.
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.
If you work as an occupational therapist, 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
Yes, your policy does follow you. If you practice in more than one state, here’s what you’ll need to do: on your application, simply select the state in which you primarily practice or do the majority of your work. Your Berxi policy follows you across all 50 states (and Washington D.C.), so work performed outside of your primary state will be covered under your policy.
We’re working to create a simpler, faster, and better insurance experience for our customers, and we think we’re the right choice for occupational therapists. 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 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.
The cost of your medical malpractice insurance policy depends on a number of factors, including your location, the number of hours you work per week, your level of experience, and your claims history.
Typically, malpractice insurance for occupational therapists starts at an average of about $150 per year. The best way to get an idea of what your malpractice policy will cost is by getting a quote.
Yes, occupational therapists are strongly advised to carry malpractice insurance, also known as professional liability insurance.
Many states require occupational therapists to have a malpractice policy if they have their own practice, work as a contractor, or run a concierge business. This is because no matter how diligent you are, there is always the risk that you could be sued for allegedly causing a patient bodily injury. Even if the claim doesn’t have merit, it could still cost time and money to defend yourself against it – and taking on these expenses without the protection of a malpractice insurance policy could be enough to put you out of business.
That’s why malpractice insurance/professional liability insurance is essential for occupational therapists. In the event of a lawsuit, your insurance can help cover legal fees and settlement costs, as well as other expenses.
Even if you’re covered by your employer’s insurance policy, you can still benefit from having your own insurance (also known as “supplemental” coverage). This supplemental policy can give you a larger pool of money to pay for legal representation and settlement costs, while also giving you more control over your own defense. Plus, there are a number of instances in which your employer’s policy might not cover you, such as HIPAA violations, licensing board complaints, and more.
Yes, occupational therapists can get sued for malpractice. No matter how diligent you are, there’s always the risk that you could be sued for causing a patient bodily injury – even if the allegation has no merit. Some of the most common reasons that occupational therapists are sued for malpractice include:
Read this real story of an occupational therapist who was sued for malpractice without adequate insurance coverage.
Yes, occupational therapists should have professional liability insurance, also known as medical malpractice insurance. In many states, occupational therapists are required to have professional liability insurance to practice, and you may be required to hold an insurance policy to work at certain healthcare facilities or as a contractor.
Even if you’re not legally required to have professional liability insurance, occupational therapy is inherently risky. You could be sued for allegedly making a mistake that causes a patient harm. Without proper professional liability protection, you could be on the hook for legal fees and potentially devastating financial costs.
With professional liability insurance, you get the confidence of knowing you’re protected in the event of a lawsuit and the peace of mind to focus on what matters: caring for your patients.
Professional liability insurance for occupational therapists – also known as medical malpractice insurance – can start at around $150 per year, but the price varies depending on your level of experience, your location and work setting, the number of hours you work per week, and your claims history. Get a quote in minutes to see how much your policy could cost.
Some occupational therapists should also consider general liability insurance, which covers bodily injury not related to treatment, as well as property damage and non-physical personal injury such as libel and slander. Sometimes called “slip and fall insurance,” general liability coverage can be especially helpful for occupational therapists who run their own OT business or clinic, as well as those who travel to patients.
Occupational therapists should have medical malpractice insurance, also known as professional liability insurance. Malpractice insurance helps protect you from lawsuits that allege you caused a patient bodily injury in your treatment.
In addition, if you run your own occupational therapy business or clinic, there are a number of other types of insurance you may want to consider, including general liability insurance, commercial property insurance, cyber insurance, and others.
"We started Berxi because we believe that we can make insurance better, faster, and more affordable by offering you a direct connection with an insurance company that cares about your needs. That means that you buy directly from us and you talk directly to us. We know you expect fast, seamless results from a company that really understands you — and that emphasis on technology, compassion, and customer satisfaction is all built into the Berxi mission."
Take a few minutes and see for yourself.
get a quote View your saved quote
