Nurse Practitioner Malpractice Insurance

As a nurse practitioner, 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 will 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

Yes, we cover you if you work in different cities and states. On the 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 the state where you primarily practice will be covered under your policy.

Yes. Under your Berxi insurance policy, you’re covered for your part-time teaching at a community college/university or healthcare facility while you practice as an NP.

Yes. You can add additional insureds and collaborating physicians to your policy, ensuring that your whole practice will be covered.

Even though you may be covered by your employer’s policy, there are a number of situations in which their insurance might not protect you, or might provide inadequate financial coverage. The benefits of having your own supplemental NP malpractice insurance policy include:

• Extra funds, which can be helpful if many members of the team are named in the same suit as you.
• Personal legal counsel. Having your own policy means you are the main point of contact with your defense team.
• Protection in HIPAA-related claims and actions. This is also usually not covered by your employer.
• Legal defense for licensing board actions, which is often not covered by employer policies.
• Control over deciding whether or not to settle. Employer policies might be more likely to force your hand.
• Reputation coverage, which is usually not provided by employer policies.

In the event of a malpractice claim, your supplemental malpractice policy can give you the peace of mind that comes with knowing you have the protection you need.

With Berxi, you can get a quote and buy your insurance policy in minutes. Berxi is a direct-to-customer provider, which means there are no middlemen or brokers involved – you buy your policy directly from us, saving you time and money. In addition, Berxi’s easy-to-use digital portal allows you to do everything online, from buying your policy and managing your account information to adding additional coverage and filing a claim. It’s fast, easy, and intuitive. Plus, if you ever have questions or would like to discuss your coverages options, our team of insurance experts is here to take your call.

Yes. We customize your policy to get the coverage you need – nothing more and nothing less. Based on your location, specialty, day-to-day responsibilities, and other factors, we will work together to provide you with the limits of liability and coverage extensions that make the most sense for you.