RNs, LPNs, and NPs can save up to 20% on medical malpractice insurance when buying direct from Berxi.
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At Berxi, we're working to create a better insurance experience 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.
Dedicated Claims Team: With a nationwide network of experienced claims handlers, our team has your back and 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.
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.
