Berxi can help protect your career, your reputation, and your wallet. Get world-class, comprehensive malpractice insurance at an affordable price.
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“Berxi was recommended to me by a friend at another company, and now it seems that everyone where I work has them too! The quoting process was easy, the language about whether we were already covered by the company was easy to check in with HR about, and the price is better than anywhere I’ve found!”
Jeremy B., Berxi Customer
As a nurse, 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).
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.
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
Doctors aren’t the only medical providers who are named in malpractice suits — any individual or organization involved with medical treatment can be held liable for costs or claims of medical negligence or error.
Here are several reasons why you may want to consider buying malpractice insurance, even if it’s not legally required:
Nursing malpractice insurance is the “I hope I never make a mistake that harms someone else, but if I do, I don’t want it to financially ruin me” type of insurance: It protects you in case of a lawsuit filed by a client over an alleged or actual mistake.
“What I have loved the most from Berxi, is how affordable the malpractice policy was for me. I also enjoyed how quick and easy it was to enroll into a policy. I only had to answer a few questions with a one-time payment, and then I was done. TOO EASY!”
– Alexis B., RN
“I was nervous about changing companies for my insurance but the representative for Berxi was excellent and made the decision so easy for me!”
– Amber C., PT
“Helpful, rapid, and responsive service. They patiently and courteously helped me through the nuances of all my questions!”
– Catherine, NP
Want to get a better idea of how much your policy could cost? Take 5 minutes and get a quote now. If you decide to purchase, your nursing insurance policy can go into effect any day you’d like, including today.
Comprehensive, flexible coverage
Licensed in-house agents to answer your questions
A direct-to-customer, digital experience with 24/7 online access
Coverage for your services wherever you’re licensed in the United States, even outside your main practice state
Working directly with us — from purchase to claims — saves you money
If you work in healthcare, you know that there’s a very real possibility that you could be sued at some point in your career. Mistakes may get made, or a patient (or their family) may simply want to blame someone for a difficulty they’re having. But with medical malpractice insurance in place, you’ll get a team to protect your best interests and insurance for the expenses that result from your defense and any damages that need to be paid.
