As a healthcare professional, you build your work on trust, care, and expertise. But even when you do everything right, a patient, client, or visitor could still claim they were harmed because of your services or business operations. Healthcare liability insurance can help protect you from the financial impact of costly claims, including malpractice lawsuits, slip-and-fall accidents, property damage claims, and more.
Whether you’re an individual provider looking for professional liability insurance — also known as malpractice insurance — or you run a medical office that needs general liability insurance, Berxi makes it simple to get coverage designed for the risks that come with caring for others.
Berxi offers professional liability insurance, also known as medical malpractice insurance, for a wide range of healthcare professionals. Berxi also offers general liability insurance for medical offices, clinics, and healthcare practices that need protection against common business risks.
As a healthcare provider, you might be covered by your employer’s malpractice insurance. But even if you are, in some situations you might not be protected, such as licensing board complaints and HIPAA violations. Having your own supplemental healthcare professional insurance policy can help cover the gaps in your employer’s coverage and provide additional protection and peace of mind.
Healthcare professionals and practices can face different types of liability risks, from patient care allegations to accidents that happen inside an office or clinic. That’s why the right insurance coverage depends on who you are, what services you provide, and how your business operates.
Berxi offers healthcare professional insurance options that can help protect individual providers, medical offices, clinics, and healthcare practices from the legal and financial impact of covered claims.
Professional liability insurance for healthcare professionals, also known as medical malpractice insurance, can help protect healthcare providers from the legal and financial burden of a malpractice claim. This may include costs related to legal defense, settlements, judgments, and other covered expenses.
Berxi malpractice healthcare liability insurance policies include coverage for:
With Berxi professional liability insurance, healthcare professionals can get coverage that helps protect you when a malpractice claim or complaint against your license threatens your finances, career, and reputation.
Healthcare practices, offices, and clinics don’t just face risks related to patient care. Everyday business operations can also lead to claims, especially if a client, patient, vendor, or visitor is injured on-site or says your business damaged their property.
Berxi offers general liability insurance for healthcare practices, offices, and clinics. General liability insurance can help cover claims of third-party bodily injury or property damage connected to your business, as well as personal and advertising injury claims, such as libel or slander.
Examples include:
General liability insurance can help your healthcare business respond to covered claims without having to shoulder the full cost on your own.
Business personal property (BPP) insurance protects assets located in the workspace that you own or rent, including equipment, computers, furnishings, inventory, and more. Your BPP insurance can cover the cost of replacing these items if they’re damaged or stolen. You can add BPP coverage to your Berxi general liability insurance policy as an optional endorsement, so you get two-in-one protection for your business and your equipment.
If your healthcare practice has employees, workers’ compensation insurance can help cover medical expenses and lost wages if they’re injured or become ill as a result of their work. In most states, employers are required by law to carry workers’ compensation insurance once they hire employees. You can add optional workers’ comp coverage from one of our trusted partners to your Berxi healthcare liability insurance policy.
Because healthcare practices often store sensitive or protected health information about their patients, cybersecurity breaches can cause significant financial losses, including the costs of data recovery, patient notification, and legal expenses. Cyber liability insurance can help cover the costs of notifying patients, legal fees, credit monitoring services, and even reputational damage. You can add optional cyber coverage from one of our partners to your Berxi healthcare liability insurance policy.
If you have company cars for your medical business, you’ll need commercial auto insurance to protect them. A commercial auto policy can help protect you from out-of-pocket costs for injuries, vehicle damage, and liability if something goes wrong on the road.
Your healthcare liability insurance premium will depend on a number of factors, including the type of coverage you choose, your profession, your coverage limits, and your past claims history. But regardless of their profession or specialty, healthcare professionals who choose Berxi save an average of 20%.
The best way to find out how much a policy would cost is by getting a quick quote. It only takes a couple of minutes, and if you decide you’re ready to buy, your policy can go into effect any day you’d like, including today. Get a quote today.
With a financial strength rating of A++ by AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, healthcare professionals who choose Berxi save an average of 20%.
You can visit our website to get a quote, buy a policy, download proof of insurance, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting covered is fast and straightforward:
Step 1: Get a quick online quote. Just select the type of insurance you’re looking for and answer a few questions about your work. Get a quote today.
Step 2: Choose your coverage limits.
Step 3: Purchase your policy and download your certificate of insurance.
Step 4: Access your policy 24/7 to manage your certificates, update your account information, or file a claim — right from your phone or computer.
“I’ve been struggling for weeks to find the correct insurance for my new private 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!”
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Jody R., RN
“Customer support was so helpful and patient. They’re an example of why I’ve stayed with Berxi from nursing school and into my new profession. Great customer service!”
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Diana M., NP
“Great call and answered all questions in a timely manner. Easy to get all the things we needed quickly. Website is great and easy to use. This is exactly why we left our previous liability insurance provider!”
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Kevin G., Optometrist
Get the inside scoop about malpractice insurance — what it is, what it covers, and how it can help protect healthcare professionals of all kinds.
learn moreYour employer’s insurance could help you if you’re named in a lawsuit, but there are things it probably won’t cover. Find out when to get your own policy.
learn moreMany healthcare professionals don’t get the coverage they need because of misinformation. In this article, we debunk six of the most common myths.
learn moreYou can get covered the same day you get a quote. With Berxi’s easy online quote process, you can get a quote, buy a policy, and download your certificate of insurance — all in just a few clicks.
Many healthcare professionals are covered through their employer’s medical malpractice insurance. However, an employer’s insurance might not be enough to protect you from the unique risks you face, for reasons ranging from gaps in coverage to inadequate settlement funds.
You can help ensure that you have the malpractice coverage you need by investing in your own individual policy. Also known as supplemental insurance, an individual malpractice policy can help complement the coverage you already receive from your primary, employer-provided policy. With supplemental coverage, you get additional protection for your career and financial well-being — not to mention peace of mind.
Yes, Berxi’s professional liability insurance for healthcare professionals (a.k.a. medical malpractice insurance) covers telemedicine and telehealth services. So if you’re sued for malpractice as a result of your telehealth services, your malpractice policy can help pay for legal counsel and other costs.
Coverage needs vary based on your profession and risk level, but many healthcare professionals choose malpractice insurance policies with coverage limits of $1 million per claim and $3 million aggregate. However, the amount of coverage you choose will depend on your level of risk. Berxi offers flexible limits of liability for malpractice insurance that range from $100,000 per claim/$300,000 aggregate to $1 million per claim/$6 million aggregate.
For medical practices and clinics buying general liability insurance, many businesses start with limits of $1 million per claim and $2 million aggregate.
When you get an instant online quote from Berxi, you’ll get a customized recommendation for how much coverage you need based on your risk level. Get a quote.
That depends on the type of policy you have and when the claim is filed. If you have an occurrence policy, you will be covered for incidents that happened when your policy was active, regardless of when the claim is filed. But if you have a claims-made policy, that means the policy must be active both when the incident occurred and when the claim is reported. If your policy has expired and you no longer have coverage in place, you may not be covered for a claim filed afterward. To help maintain protection, some healthcare professionals purchase extended reporting period coverage (often called tail coverage) when changing insurers, retiring, or leaving practice.
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