Frequently Asked Questions

Managing Your Account

How do I download my policy documents?

Here's how to download your policy documents:

  1. Visit
  2. Click "Sign In."
  3. Log in using your username (i.e., your email) and your password.
  4. Under the "Policy Management" tab, select "Access your policy documents and buy additional coverage."
  5. Select "Download Policy PDF."
  6. Your policy PDF will download for you to open and view.

If you have any questions or need any help, feel free to reach out to our product specialist team by email at or by phone at 833.24.BERXI (833.242.3794).

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How do I get my certificate of insurance (COI)/proof of coverage?

If you'd like to generate and download a certificate of insurance (COI) in your online portal, here's what you'll need to do:

  1. Visit
  2. Click "Sign In."
  3. Log in using your email address (i.e., your username) and your password.
  4. Select "Proof of Insurance."
  5. Review your information.
  6. Add the name of the person or business you're giving the certificate to/who's requesting proof of your coverage.
  7. Make sure you've filled in all fields (i.e., "Name" and "Associated Address").
  8. Click "Download Your Certificate of Insurance."

And voilà! Once you've followed these steps, you should have a certificate of insurance that you can save, print, and send to the requester.

If you have any questions, or would like to have a product specialist assist you with creating one, please send an email to with the requester's information - we will send you a COI once we're back in the office.

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How do I update my payment method?

If you need to change the payment method tied to your Berxi policy or resolve a failed payment, we've got you covered. Below, we've included a video that will walk you through handling both issues. If you prefer to do this on your own time, we've also provided step-by-step instructions below the video.

Here's how to update your payment method:

  1. First, log in to your account at This should take you to your account homepage.
  2. Navigate to the "Account Details" section and click on the 3rd option on that list: "Update your payment method." This should take you to the "My Payment Information" page.
  3. You should see a box that contains all the payment information associated with your account. Click on the blue "Edit" button that's located in the right-hand corner of that box. This will take you to the "Billing Information" page.
  4. Make whatever changes you need to make, including updating your payment method and/or the billing address associated with that card.
  5. Click "Update" when you're done updating your information.
  6. This should prompt a confirmation message box to appear. Click "Proceed" to save any changes you've made, or hit "Cancel" if you need to make another change.
  7. You're done!
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Berxi Policies & Coverage

Does Berxi offer general liability (GL) insurance?

Yes, we do offer general liability coverage, but it must be purchased in tandem with one of our professional liability offerings. For those customers who are self-employed, we offer GL coverage as a simple add-on as part of our purchase process.

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I work in healthcare. What does my medical malpractice policy cover?

To get a better idea of what Berxi medical malpractice insurance would cover, take a look at the sample malpractice policies we've provided below. Make sure to choose the sample that represents the type of coverage you’re interested in (i.e., occurrence or claims-made).

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I work in the professional services industry. What does my E&O policy cover?

To get a better idea of what Berxi professional liability insurance would cover, take a look at the a sample Berxi E&O policy we've provided below.

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I’m a student. Do you offer coverage for me?

For healthcare professionals, we sure do. In fact, we figure you’ve got enough to worry about with paying for your education, so we offer significant discounts for our customers that are still in training.

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I’m a traveling nurse. How do I get insurance if I work in different states?

On your 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 of the state where you primarily practice will be insured under your policy.**

** Quote and issuance of a policy are conditioned upon receipt and approval of the following 1) Practice Location; 2) Profession / Specialty; 3) Employment Status; 4) Coverage Type; 5) Hours Worked; and 6) Prior Claims Activity. Final pricing and terms of coverage may vary.

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Do I need insurance if I work for a nurse staffing agency?

It’s a good idea to have your own dedicated malpractice policy, just as if you worked full-time at a hospital or clinic. Regardless, you’ll want to confirm if you have medical malpractice coverage through your staffing agency, or if it’s provided by the employer with whom you’re being placed. Then read your policy to make sure that you feel sufficiently covered. If you notice any gaps in coverage or lots of fine print, don’t forget that we’re here and can help you get additional coverage — plus that added peace of mind.

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Does my policy cover me for claims of sexual abuse or misconduct?

This policy will defend you against civil claims of sexual abuse or misconduct until such conduct is proven. However, this policy does not cover any damages, awards, or settlements arising out of these claims. If you need this kind of coverage to comply with a state or other contractual requirement, you can often buy this coverage from another insurance carrier in a separate general liability policy. And, as always, please don’t hesitate to contact us if you have any questions or need further clarification.

Note: For fitness and wellness professionals, your policy excludes all coverage for sexual abuse or misconduct claims and will not provide you with legal defense.

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Insurance 101

My workplace already covers me. Do I still need my own liability insurance?

Regardless of whether you work in healthcare, insurance, or real estate, you should consider having your own liability insurance policy to protect your interests. Even if your employer provides coverage, here are four important things to consider:

  • A fellow employee could submit a claim against you. Your company’s policy may exclude coverage for claims of one employee against another employee.
  • 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.
  • 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.

Having your own 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.

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Do I need professional liability coverage?

Well, there isn't really a short answer for this one. It depends on a number of things, including your profession and your tolerance for risk. We're all human and even the most detail-oriented professional is at risk of being sued directly or of being named in lawsuits. That's why we typically want broad, specialized professional liability coverage. Employer-provided coverage usually provides indemnity coverage for you, but it may be prudent to have your own supplemental insurance to avoid any potential conflicts and ensure that your best interests are always represented.

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What limits of liability should I get?

The answer to this question will vary, depending on your profession and your practice state or jurisdiction. We've researched this and provided a guide in the quote process to highlight the “most common” limits of liability for you based on your profession and employment state selections.

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What's the difference between claims-made policies and occurrence policies?

The Berxi medical malpractice policies for healthcare professionals offer both the claims-made and occurrence options. For non-healthcare professionals, the policies are all claims-made. Read on to learn more about these two terms:

  • Claims-made policies protect you from incidents that occur, or allegedly occur, before the expiration of the policy period and after the retroactive date shown on the declarations — but only if the claim is first made against you during the policy period or extended reporting period, if applicable.
  • Occurrence policies protect you from any covered incident that occurs during the policy period, regardless of when a claim is filed. You could report a claim years later for an incident that happened during the policy period.
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We're following the COVID-19 developments closely and providing updates to frequently asked questions here.

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