Frequently Asked Questions
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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.
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.
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.
What's claims-made vs. occurrence coverage?
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:
- 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.
- 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.
I'm a healthcare professional. What does my policy cover?
If you have specific questions about the coverage our policies offer, you can download a sample policy below. Please make sure to choose the sample that represents the type of coverage you’re interested in (i.e., either occurrence or claims-made), as well as the appropriate employment status (i.e., employed/self-employed). If you’re a student, you’d be covered under our “employed occurrence” policy.
I work in an industry other than healthcare. What does my policy cover?
If you have specific questions about the coverage our policies offer, you can download a sample policy below.
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.
How do I purchase an insurance policy?
Purchasing insurance with Berxi is a simple 3-step process. All you need to do is fill out our questionnaire to get a quote, create an account, and enter your payment information to bind coverage. The entire process should take no more than 5 minutes, and we can provide you with a quote and issue coverage in real time.