Berxi - Student Test Prototype

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Defense Council

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.

EXAMPLE: You’re a self-employed NP, and you decide to select policy limits of $1 million (per claim)/$3 million (for all claims). One day, someone files a claim of malpractice against you. As part of your med mal policy, we’ll retain an attorney for you. This lawyer works specifically on your behalf and with your best interests in mind. Because this is your lawyer, you get to decide whether the case goes to trial or ends in a settlement. And you won’t need to worry about the bill at the end — the lawyer’s fees are included in your coverage and won’t impact how much of the $1 million you have for paying settlements.

*All instances provided that the complaint is covered under this policy.

License Protection

If you’re involved in a licensing board action or proceeding, our policy provides you with legal counsel.*

AMOUNT COVERED: $25,000 per policy period.

EXAMPLE: Your patient has a bad case of athlete’s foot, so you write a prescription for Lamisil. A couple of weeks later, you get a call from the patient saying that their condition has not gotten any better, and that their friend said you should have prescribed a different medication. The patient made a complaint to the local Medical Board regarding your care, and you just received a letter from them. You know that you did everything right, but you still want to have a lawyer by your side to guide you through the process with the Board.

*All instances provided that the complaint is covered under this policy.

Reputation Coverage

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.

EXAMPLE: You’ve been caring for an elderly hip replacement patient with dementia. One day, his children stop by to pay him a visit. When asked how he’s doing, the patient mentions that you haven’t checked in on him all day—even though you’d actually visited him twice. Outraged, they decide to bring a claim of negligence against you, alleging that you’ve failed to provide their father with care. On top of that, they undertake an aggressive campaign to publicize your alleged negligence via social media, warning people against getting care from you.

We will retain a crisis management firm to aid you in responding to the threats made to your professional reputation.

*All instances provided that the complaint is covered under this policy.