Medical malpractice & professional liability insurance with world-class customer support.
Berxi offers comprehensive medical malpractice and professional liability insurance to healthcare providers of all kinds, including:
Essentially, the terms are interchangeable for healthcare providers. Medical malpractice insurance is a type of professional liability insurance for healthcare professionals. It can help protect providers if they’re ever sued by a patient or client. Professionals in some specialties tend to refer to it as medical malpractice insurance, while others call it professional liability insurance.
Whether or not a provider is at fault – or if the claim is spurious – these are some of the most common medical errors that can result in malpractice lawsuits:
A malpractice claim not only impacts your finances, but it can also threaten your license, damage your reputation, and consume your valuable time – not to mention the potential emotional toll.
If you ever face a lawsuit, your Berxi coverage will put a dedicated attorney and a team of claims professionals in your corner to help you through the ordeal. And if you’re found liable for damages, settlements, or other fees, Berxi can help cover the costs. Malpractice/professional liability insurance can be a financial lifesaver for healthcare providers who find themselves facing a lawsuit.
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. 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. Benefits include:
While some specialties may have more risk, there is no specialty or area of practice where a healthcare provider has no risk. Most plaintiffs in malpractice suits will name the entire care team involved, so even if you’re not directly involved, you could find yourself facing a lawsuit.
The number of medical malpractice payments from providers of all kinds has greatly increased in recent years, while the average payment has ballooned. With the frequency and cost of lawsuits increasing, there is more risk than ever in not having medical malpractice/professional liability insurance.
No. In fact, there’s no way for a patient or anyone else to find out if you have your own insurance. No database or list exists that identifies providers who have malpractice policies and those who do not.
This means that the patients and any attorneys who represent them cannot access information about whether you have an individual policy. Additionally, unless you tell your employer, it will not know that you have an individual or a supplemental policy.
“I felt like I was part of the Berxi family and not just a customer. They genuinely showed they cared.”
– Carol C.
“I’ve been struggling for weeks, trying to find the correct insurance for my new 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!”
– Jody R.
[My claims representative] was so compassionate. He listened and kept me informed on the status of the case. He really cared about what I was going through and reassured me that Berxi was on my side and that I didn’t need to worry.
– Kim P.
If you ever face a lawsuit, our policies can help cover your settlement costs. We offer flexible limits of liability, from $100,000 per claim/$300,000 total to $1,000,000 per claim/$6,000,000 total, so you can choose the amount of coverage that’s best for you.
When facing a claim or lawsuit, we’ll retain a lawyer for you from our national network of vetted defense attorneys. We’ll also pay for related defense costs (e.g., lawyer fees, court fees, expert witness costs). Your defense costs are outside the limits of liability, meaning that they won’t cut into the settlement fees you may need to pay.
If you’re asked to attend litigation activities (e.g., a deposition), our policy will reimburse you for actual lost wages and any necessary expenses (e.g., travel, meals).
In the event that a claim alleges 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.
If a professional licensing authority is investigating matters related to your professional conduct, our policy provides you with legal defense.
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.
When you face a threat to your professional reputation, we can provide you with a crisis management/public relations consultant to help clear your name.
We work with your defense attorney to reach the best possible outcome for your malpractice case. We won’t settle a claim without your approval.
If you work in multiple locations, 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. Plus, your policy applies on a worldwide basis, as long as a claim is brought against you in the United States.
Under your Berxi insurance policy, you’re covered for your part-time teaching at a community college/university or healthcare facility while you practice. We also offer coverage for nursing students, whether you’re going to school full-time or working while attending school part-time.
Comprehensive, flexible coverage
Licensed in-house agents to answer your questions
A direct-to-customer, digital experience with 24/7 online access
Coverage for your services wherever you’re licensed in the United States, even outside your main practice state
We are part of Berkshire Hathaway Specialty Insurance Co., which has an A++ (Superior) financial strength rating from AM Best
Working directly with us — from purchase to claims — saves you money. In fact, our customers save an average of 15%.
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