Get top-rated nursing malpractice insurance with world-class customer support.
Medical malpractice coverage insures you against claims of negligence or of making a mistake that causes bodily harm to a patient. 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 won’t cut into the money available to cover settlements, judgments, and other costs.
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’ll 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 a third party 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 can reimburse you 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
This optional endorsement covers claims concerning errors and omissions in your billing practices.
Amount Covered: $25,000 per claim, subject to a maximum limit payable of $25,000 for all claims.
This optional endorsement protects you in your role as a medical director, adding coverage for your administrative services in addition to your professional services. It covers potential liabilities arising from your oversight and management duties, rather than direct patient care, such as errors in policies or protocols. This coverage is available only in positions where you have no voting or ownership interest.
Amount Covered: The coverage amount is equal to your policy’s limits of liability. Typical limits of liability range from $500,000 per claim/$1 million aggregate to $2 million per claim/$6 million aggregate.
Wondering how much your nursing malpractice policy will cost? Watch a quick video breaking down the cost factors.
watch the videoEven if you’re covered by your employer’s policy, you might benefit from having your own malpractice insurance.
read the articleWhen one nurse practitioner was named in a claim, he found out his employer’s malpractice policy wouldn’t cover him.
read the articleWhether or not a nurse is at fault – or if the claim is spurious – these are some of the most common medical errors that can result in malpractice lawsuits:
A malpractice claim not only impacts your finances, but it can also threaten your nursing license, damage your reputation, and consume your valuable time – not to mention the potential emotional toll.
If you ever face a lawsuit, your Berxi coverage will put a dedicated attorney and a team of claims professionals in your corner to help you through the ordeal. And if you’re found liable for damages, settlements, or other fees, Berxi can help cover the costs. Malpractice insurance can be a financial lifesaver for nurses who find themselves facing a malpractice lawsuit.
Even though you may be covered by your employer’s policy, there are a number of situations in which their insurance might not protect you, or might provide inadequate financial coverage. In the event of a malpractice claim, your supplemental malpractice policy can give you the peace of mind that comes with knowing you have the protection you need. Benefits include:
While some specialties may have more risk, there is no specialty or area of practice where a nurse has no risk. Most plaintiffs in malpractice suits will name the entire care team involved, so even if you’re not directly involved, you could find yourself facing a lawsuit.
According to data from the National Practitioner Data Bank, the number of medical malpractice payments for nurses has nearly quintupled since the early 1990s, and between 2015 and 2022, the average malpractice payment for an RN was $359,826. With numbers like that, there is more risk than ever in not having medical malpractice insurance.
No. In fact, there’s no way for a patient or anyone else to find out if you have your own insurance. No database or list exists that identifies nurses who have malpractice policies and those who do not.
This means that the patients and any attorneys who represent them cannot access information about whether you have an individual policy. Additionally, unless you tell your employer, it will not know that you have an individual or a supplemental policy.
“[My claims representative] was so compassionate. He listened and kept me informed on the status of the case. He really cared about what I was going through and reassured me that Berxi was on my side and that I didn’t need to worry.”
– Kim P.
“I’ve been struggling for weeks, trying to find the correct insurance for my new nursing practice. I was quoted 3 times as much for the same coverage from other companies. In about 10 minutes, I had everything I needed from Berxi!”
– Jody R.
“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… and the price is better than anywhere I’ve found.”
– Jeremy B.
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
We are part of Berkshire Hathaway Specialty Insurance Company, which has an A++ (Superior) financial strength rating from AM Best
Working directly with us — from purchase to claims — saves you money. In fact, our customers save an average of 20%.
