Save an average of 15% on comprehensive dental liability insurance from Berxi.
Broker Fees
Other Insurers
Up to 20% broker or admin fee may be included in price
Berxi
None
Financial Rating (per AM Best)
Other Insurers
Range from A++ to A
Berxi
A++ rated carrier
Limits of Insurance
Other Insurers
Flexible limits of liability
Berxi
Flexible limits of liability
Defense Costs
Other Insurers
Paid in addition to the limits of insurance
Berxi
Paid in addition to the limits of insurance
Deductible
Other Insurers
Varies from $0 to $10,000
Berxi
No deductible
Practice Entity Coverage
Other Insurers
Yes
Berxi
Yes
Portable, 24/7 Coverage Wherever You're Licensed
Other Insurers
Included
Berxi
Included
Worldwide Coverage
Other Insurers
Worldwide coverage
Berxi
Worldwide coverage
Dental Association Membership Required
Other Insurers
Varies
Berxi
None
Discounts for new dentists, dental organization members, and risk management courses
Other Insurers
Yes
Berxi
Yes
Coverage for all dental assistants and hygienists in your practice
Other Insurers
Varies. May apply only to hygienists.
Berxi
Included
Locum Tenens Coverage
Other Insurers
Limited coverage, or available by endorsement
Berxi
Included
Consent to Settle Clause
Other Insurers
Varies
Berxi
Included
Board Action and License Protection Coverage
Other Insurers
Varies
Berxi
$25,000 per policy period
Medical Waste Legal Expense Coverage
Other Insurers
Not included, or requires extra fees
Berxi
Included $25,000 per policy period
Peer Review Committee Coverage
Other Insurers
Included
Berxi
Included $25,000 per policy period
First Aid Expenses Coverage
Other Insurers
Varies
Berxi
Included $10,000 per policy period
HIPAA Violation Coverage
Other Insurers
Varies
Berxi
Included $25,000 per policy period
Wage Loss/Deposition Expense Coverage
Other Insurers
Starts at $500 per day. Capped at $25,000, per policy period.
Berxi
Up to $1,000 per day. Not capped.
Good Samaritan Coverage
Other Insurers
Varies
Berxi
Included
Medicare/Medicaid Reimbursement
Other Insurers
Not always available
Berxi
$30,000 per policy period
Billing Errors and Omissions
Other Insurers
Not always available
Berxi
$25,000 per policy period
Tail Coverage
Other Insurers
Offered, but may not be available for supplemental payments
Berxi
Offered
Berxi’s comprehensive dental professional liability insurance policies provide coverage that goes above and beyond. Because Berxi understands the unique risks that dental professionals face, we cover things that other providers might not. Plus, with 24/7 online access and our licensed in-house customer support team, Berxi makes it easy for dentists to get the professional liability protection they need. Here are a few things that set us apart.
Wondering where we got our name? We’re part of Berkshire Hathaway Specialty Insurance Company, which has the highest possible financial strength rating of A++ from AM Best.
That means we have the expertise to defend your best interests when you need us and the deep financial resources to pay claims.
With Berxi, you get top-notch customer support from our in-house experts exactly when you need it. When you call our support line, you’ll reach a real human being, not a robot.
And if a claim is ever filed against you, our dedicated claims team will help you navigate the process, every step of the way.
Because we sell directly to customers, with no brokers, commission fees, or deductibles, our customers save an average of 15% versus industry standards.
We also offer big discounts for new dentists, as well as discounts for things like membership in a dental association and taking a risk management course.
Here on our website, you can get a quote, buy a policy, get proof of insurance, and even file a claim — all in just a few clicks.
Plus, with 24/7 online access to your Berxi account, you can manage your dental professional liability insurance policy without ever picking up the phone.
Dental malpractice coverage insures you against claims that you were negligent or made a mistake as a dentist, resulting in bodily harm to another. This includes providing you with a lawyer to defend yourself and funds you can use to pay judgments or settlements. Limits of liability include $1 million per claim and $3 million aggregate, with a range of additional options available.
If a professional licensing authority is investigating matters related to your professional conduct, your Berxi dental liability insurance policy provides you with legal defense.
This coverage applies to the expenses to defend a dispute, usually regarding treatment or billing decisions, that is brought by a dental peer review board or committee. The dispute might be between you and a patient, a third-party payer like a Preferred Provider Organization, or even your dental association.
If you ever face a threat to your professional reputation, we can provide you with a crisis management team or public relations consultant to help clear your name.
Our dental professional liability insurance policies cover advanced practice procedures, like Botox for TMJ and sleep apnea treatment, as well as services such as consulting, teaching, and utilization management review.
If you’re 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.
If there’s an accident unrelated to your dental professional services at your practice and someone is injured, their first aid expenses can be covered under your dental liability insurance policy, provided that the person injured is not covered under workers’ compensation or similar benefits.
If your disposal of medical waste is the subject of an administrative proceeding brought by the Federal or State Environmental Protection Agency, this coverage reimburses you for your expenses to defend the proceeding.
In addition to our core coverages, we offer optional endorsements for additional protection, including coverage for errors and omissions in your billing, coverage for procedures performed outside your usual practice as part of a job interview, and Medicare/Medicaid reimbursement.
Buying the best dental liability insurance for your needs involves researching providers, getting quotes from different providers based on your needs and what you want covered, choosing the provider that offers you the right mix of protection and affordability.
As you saw in the comparison chart above, not all dental professional liability insurance is the same. To find the best coverage for your needs, you should compare policies from different insurers and see what they cover (and don’t cover).
Most insurers sell through brokers and agents, which can mean commission costs and other additional fees. In fact, broker commissions can be 20% or more. A direct-to-customer insurer like Berxi doesn’t do that. We sell the policy directly to you — so dentists who choose Berxi save an average of 15% versus other companies. And with Berxi’s online quote process, you can get an instant quote that’s tailored specifically to you, based on the unique risks you face.
Berxi offers discounted rates for new-to-practice dentists in the first four years of their careers:
In addition to our new dentist discounts, Berxi also offers opportunities for established dentists to save on their dental liability insurance premiums. Here are a few ways you can qualify for reduced rates:
