Protect your career and reputation with top-rated malpractice coverage from Berxi. Quote, buy, and download your policy in minutes.
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Most nursing 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 nursing student, 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 $1 million per claim/$6 million aggregate.
If a claim is filed against you, we’ll retain an experienced malpractice lawyer for you. We’ll pay for related defense costs (e.g., lawyer fees, court fees, expert witness costs). These defense costs are “outside” the limits of your insurance. This means that their services don’t cut into the settlement amounts you may need to pay to the injured party.
Amount Covered: Paid in addition to your policy’s limits
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). That means your coverage will follow you wherever you practice.
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 will still apply.
We work with your defense attorney to reach the best possible outcome for you. We won’t settle a claim without your approval.
If you are investigated for potential HIPAA violations, we provide you with access to counsel and will reimburse you for costs related to HIPAA proceedings — including 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
Additional A La Carte Coverages (by Endorsement)
The policy applies if someone files a claim against you alleging that your premises or operations caused them bodily injury or harm (not in relation to medical malpractice insurance).
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 know you care about the details, and so do we.
Nursing malpractice insurance is medical malpractice insurance for nurses. It can protect you if a patient or a patient’s family sues you for allegedly making a mistake that caused them bodily injury.
A malpractice lawsuit can be a huge financial burden. There are the legal costs of defending yourself against the claim, as well as court fees, lost wages, and more. In addition, if you settle the lawsuit or are found responsible by the court, you’ll have to pay for damages. Nursing malpractice insurance can help pay for your legal defense and settlement costs.
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:
Berxi is part of Berkshire Hathaway Specialty Insurance Company, which is rated A++ for financial strength. That means we have the resources and expertise to help protect you and your business when you need us.
We’re also a direct-to-customer insurance provider, with no broker fees or middlemen, and we pass the savings on to you. In fact, Berxi customers save an average of 20% on nursing malpractice insurance.
“Completely stress-free setup and customized to my needs. So easy I didn’t even need to talk to anyone!”
– Che H.
“I appreciate the excellent customer service. It makes all the difference to know you will be supported by knowledgeable representatives when you need help.”
– Carrie F.
“My claims representative really cared about what I was going through and reassured me that Berxi was on my side.”
– Kim P.
Want to get a better idea of how much your policy will cost? Get a quote in minutes and see how much you could save. If you decide to purchase, your malpractice policy can go into effect any day you’d like, including today.”
