Save an average of 20% on malpractice insurance from Berxi.
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Broker Fees
Other Insurers
Up to 40%
Berxi
None
Financial Rating (per AM Best)
Other Insurers
Ranges from A to A++
Berxi
Berkshire Hathaway Specialty Insurance Company A++ rated carrier
Consent to Settle Clause
Other Insurers
May settle without your consent
Berxi
Included
Limits of Insurance
Other Insurers
Must call to request limit options
Berxi
Flexible limits of liability up to $1M/$6M. Customizable based on your level of risk.
Discounts for Recent Graduates*
Other Insurers
Offered for limited basis
Berxi
Offered up to 3 years after graduation
Telehealth Services Coverage
Other Insurers
Included
Berxi
Included
Board Action and License Protection Coverage
Other Insurers
Varies. Starts at $10,000 per incident.
Berxi
Up to $25,000 per claim / per policy period
HIPAA Violation Coverage
Other Insurers
Included
Berxi
Up to $25,000 per policy period
Reputation Protection Coverage
Other Insurers
Not always included
Berxi
Up to $50,000 per claim. Not capped.
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.
Medicare/Medicaid Reimbursement
Other Insurers
Not always available
Berxi
Available. $25,000 per policy period (in addition to policy limit). 2% charge.
Medical Director or Administrator Coverage
Other Insurers
Not always available
Berxi
Available. Shares policy limits. $500 charge.
General Liability
Other Insurers
Available. Up to $250 charge
Berxi
Available. $150 charge
Berxi’s comprehensive nursing malpractice policies provide coverage that goes above and beyond. Because Berxi understands the unique risks that nursing 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 nurses 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.
Berxi is a direct-to-customer insurer. This means we’re not just the people who sell you an insurance policy – we’re also the people who handle your claim. Working directly with us eliminates many fees that are typical in insurance transactions and helps us bring you the best-priced nurse malpractice insurance possible.
In fact, our customers save an average of 20% versus industry standards. We also offer special rates and discounts for nursing students and recent graduates, so you can save on our top-rated protection when you’re starting your nursing career.
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 nursing professional liability insurance policy without ever picking up the phone.
If you work as an advanced practice or allied healthcare professional, medical malpractice coverage insures you against claims of negligence or of making a mistake that caused bodily harm to another. 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 $2 million per claim/$6 million aggregate
If a claim is filed against you, we’ll retain a lawyer for you from our network of defense attorneys specializing in medical malpractice. We’ll also pay for related defense costs (e.g., lawyer fees, court fees, expert witness costs).
Note that these defense costs are outside the limits of your insurance. This means that their services don’t cut into the settlement fees you may need to pay after a ruling.
AMOUNT COVERED:
Provided in addition to your policy’s limits of insurance
We work with your defense attorney to reach the best possible outcome for you. We won’t settle a claim without your approval.
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).
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 would still apply.
If a claim alleges that you violated privacy rules in connection with private health information, we provide you with access to counsel and will reimburse you for costs related to HIPAA proceedings — including relevant 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
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.
The policy applies if someone 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
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.
If you’re audited by either Medicare or Medicaid, we offer reimbursement 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
Buying the best nursing malpractice 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.
There are three main ways to shop for and buy malpractice insurance for nurses: through a broker, through an agent, or directly from the insurance company. Here’s a brief overview of each so you can determine the best insurance purchasing method for your malpractice needs.
An insurance broker – also known as a producer – acts as an intermediary between you and the insurance companies, and they act on your behalf. They’ll get quotes from different companies and do the cross-comparison for you.
Buying through a broker can increase your costs: Brokers usually make a commission on each sale from the insurance company, often as a percentage of your annual payment. This can increase the cost of your policy year after year.
An insurance agent is like a broker in that they’re both intermediaries between insurers and customers, but agents act on behalf of the insurance companies. Like brokers, some agents make commissions on sales, which similarly can increase the cost of your policy year after year.
Also interesting to note: Some professional organizations may act as agents, known as program administrators. This means they too may earn a commission on the policy you purchase.
Buying directly from an insurance provider, rather than through a broker or agent, just means that you cut out the go-between and purchase your nurse malpractice insurance from the insurance company itself. While this model is less common, it has a number of benefits – especially savings. This is because there aren’t any commission fees and other costs associated with buying your policy; in fact, when you buy directly from Berxi, you can save an average of 20%.
Buying direct can be faster and easier than the alternatives since you can get online quotes in minutes. You can even purchase your policy in just a few more clicks. Plus, you can then access all of your insurance documents, renew your policy, and manage your account through a self-service online portal. And finally, you’ll have the benefit of a direct relationship with your insurer, rather than being mediated by a third party. If savings, ease, and trust matter to you, then buying your malpractice insurance directly may be best for you.
The best way to find out how much your nursing malpractice insurance will cost is to get quotes from different providers. To give you a general sense of what to expect, whether you’re an RN, LPN/LVN, nurse practitioner, or student, here are some starting costs for occurrence policies from Berxi, all with liability limits of $1 million per claim and $3 million aggregate:
