Berxi has partnered with MCNP to offer simple, affordable, and reliable malpractice insurance tailored to the needs of nurse practitioners
get a quote
You’re in charge of your career; be in charge of your insurance policy. Buy direct and save up to 20%. Take two minutes to get a free quote and find out how much you save.
WHY MALPRACTICE
Things happen. Mistakes may get made or a patient (or their family) may simply want justification for something that didn’t go as expected. Either way, the nurse practitioner may be singled out as the one to blame, or a claim could also be filed against an entire medical team.
Ultimately, you want to protect yourself and your career. With a nurse practitioner med mal policy, you’ll get a team to fight for your best interests and protect you from the expenses of litigation.
You should consider having your own insurance policy to protect your interests. Even if your employer provides coverage, here are some important things to consider:
If a number of employees are named in the same claim, your employer’s policy may not have adequate limits to protect you and your fellow employees.
If you’ve changed jobs and a claim is filed against you for actions while you were with your previous employer, your prior company’s policy may no longer cover you.
Your employer’s policy may not cover your lost wages that accrue while you attend legal proceedings.
A fellow employee could submit a claim against you. Your company’s policy may exclude coverage for claims of one employee against another employee.
Having your own nurse practitioner insurance policy can help you feel more comfortable if a claim is filed against you. With your own policy, you’ll have access to your own legal representation, and the resources of the policy aren’t shared among multiple insureds.
A Berxi medical malpractice policy for NPs starts at $496 per year. However, the price of your particular quote will depend on a few factors, including—but not limited to—your years of experience, education, state(s) in which you work, and time spent on the job.**
The best way to get an accurate idea of what your policy would cost is by filling out our quick online application to receive 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.
WHAT'S COVERED
If you work as an advanced practice or allied health medical 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.
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 medical care to someone outside of your primary work setting 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.*
If you’re involved in a licensing board action or proceeding, our policy provides you with legal counsel.*
AMOUNT COVERED: $25,000 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.
If you work as an advanced practice or allied health medical 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.
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 medical care to someone outside of your primary work setting 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.*
If you’re involved in a licensing board action or proceeding, our policy provides you with legal counsel.*
AMOUNT COVERED: $25,000 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 cover you if you work in different cities and states. On the 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 the state where you primarily practice will be covered under your policy.**
Yes. Under your Berxi insurance policy, you’re covered for your part-time teaching at a community college/university or healthcare facility, while you practice as an NP.**
WHY BERXI
At Berxi, we're working to create a better insurance experience for nurse practitioners by offering affordable coverage and outstanding service. Here are a few things that set us apart:
Financial Stability: BHSI is part of Berkshire Hathaway’s National Indemnity group of insurance companies, consisting of National Indemnity and its affiliates, which hold financial strength ratings of A++ from AM Best and AA+ from Standard & Poor’s.
Industry-Leading Claims Support: With a nationwide network of experienced claims handlers, our team will be right there to help you navigate the process if a claim is ever filed against you.
Competitive Pricing: Buying direct from us can save customers as much as 20%–and, in some cases, even more.*
Simplified Experience: We’ve created a modern and intuitive digital insurance experience. You’ll get your policy documents as soon as you purchase, and you’ll be able to access your online account 24 / 7. We also aim to cut the jargon and talk to you like the smart, professional HUMAN that you are.
