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You’re a keeper of sensitive information, a trusted agent and ally for your patients. But just as things can go so well at times, so too can they suddenly go awry. And given that you work in a profession that’s held to such a high standard, it’s important to protect your business and license from the threat of board actions and malpractice claims.
That’s where malpractice insurance (also known as “professional liability insurance”) comes in. Think of it as a safety net: If a patient makes a claim against you, your malpractice insurance would step in to provide you with the legal defense (and financial resources) you need to protect your career and reputation. More importantly, having malpractice insurance in place will provide you with peace of mind so you can focus your full attention on helping your patients.
Here are some noteworthy features of our psychologist malpractice insurance:
And did we mention that we’re often 20% less than competitors because you buy directly from us?
Psychologist malpractice insurance typically starts at about $363/year for a supplemental policy and about $765/year for a primary policy. (Keep in mind that these prices are for occurrence policies with limits of $1 million/$3 million.) However, the price depends on a number of factors, including — but not limited to — how much coverage you want and where you practice, as well as your years of experience, education, and time spent on the job.
The best way to get an idea of what your policy would cost is by getting a quote. The process takes a couple minutes, and — if you choose to purchase — your policy can go into effect any day you’d like, including today.
Wondering if you can insure the other psychologists, therapists, social workers, and counselors in your practice? The answer is yes! Call us at 833.24.BERXI (833.242.3794) and we’ll be there to discuss your insurance needs.
If you work as a clinical psychologist, 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
We’re working to create a simpler, faster, and better insurance experience for our customers. While we think we’re the right choice for psychologists, 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 amount of malpractice insurance you should have as a psychologist depends on your level of risk. Typical limits of liability for psychologists are $1 million per occurrence and $3 million total, which means that your insurer can pay up to $1 million for a single claim and up to $3 million for all claims during a policy period. Your risk level depends on factors such as your clientele and the legal environment in the state where you practice.
Limits of liability determine how much money you will have to cover the costs of settlements and other damages. With Berxi malpractice insurance, your legal fees are outside the limits of liability, meaning the cost of your attorney won’t detract from the amount of money available to pay for settlements.
At Berxi, our malpractice insurance policies for psychologists offer additional coverages and comprehensive protection. Features of our psychologist malpractice policies include:
Yes, psychologists should have malpractice insurance (also known as professional liability insurance). Even if it’s not legally required in your state or for your specialty, malpractice insurance is essential to protect your professional and financial wellbeing.
No matter how diligent you are, you could get sued for allegedly being negligent in your duties and causing a patient harm. Even when you feel confident that you’re following all legal and ethical requirements for your services, there’s always the risk of being sued for malpractice. In the event of a malpractice lawsuit, your insurance can help cover legal fees and settlement costs, as well as other expenses. Without the protection of malpractice insurance, you may have to pay these potentially hefty costs out of pocket.
In addition, even if you’re covered by your employer’s insurance policy, you can still benefit from having your own policy (also known as “supplemental” coverage). This supplemental insurance 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.
For a policy with limits of liability of $1 million per claim and $3 million total, professional liability insurance for psychologists – also known as malpractice insurance – typically starts at an average of $363 per year for a supplemental policy and $765 per year for a primary policy.
However, the price depends on a number of factors, including how much coverage you want, where you practice, your years of experience, your claims history, and more. The best way to figure out how much your psychologist malpractice policy will cost is to get a quote.
Malpractice insurance is a type of professional liability insurance, and psychologists should carry a malpractice policy to help provide legal and financial protection in the event of a claim.
In addition, if you run your own practice, you should consider general liability insurance. A general liability policy can help protect you against claims of non-medical bodily injury, such as someone slipping in your office; claims that you accidentally damaged someone else’s property; and claims of non-physical personal injury, such as libel or slander.
"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."
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