Professional Liability Insurance for Nurse Practitioners

Things happen. Mistakes may get made, or a patient (or their family) may simply want to blame someone for a difficulty they’re having. Ultimately, it’s important to protect one of your biggest assets — your career. You can rest easy knowing that the team at Berxi will be looking into your claim and providing you with the resources to protect you.

Berxi Malpractice Insurance for Nurse Practitioners: Key Features

Here are some noteworthy features of our NP malpractice insurance:

  • Occurrence and claims-made policy options
  • Legal defense outside the limits of liability
    • This means that money spent on your defense won’t be deducted from your insurance limits — so if you have a $1 million limit, you’ll still have $1 million to pay for any settlements or damages.
  • Consent to settle
    • This means that we won't settle a claim without your consent.
  • $0 deductibles
  • Flexible insurance limits based on your needs
  • Convenient payment plans for select policies
  • Customizable tail coverage options for customers with claims-made policies

And did we mention we are often 20% less than competitors because you buy directly from us?

Still in nursing school? Check out our student nurse malpractice insurance page to learn more.

Are you an RN or LPN/LVN? We also offer malpractice insurance for nurses, too.

Does Berxi Offer Professional Liability Insurance for My Entire Practice?

Wondering if you can insure the team of counselors, therapists, social workers, and psychologists in your practice? The answer is yes! Call us at 833.24.BERXI (833.242.3794) and we’ll be there to discuss your insurance needs.

What's Covered Under Berxi's Professional Liability Insurance for Nurse Practitioners?

Medical Malpractice Coverage

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

Defense Counsel

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

Consent to Settle

We work with your defense attorney to reach the best possible outcome for you. We won't settle a claim without your approval.

Worldwide Coverage

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).

Good Samaritan Coverage

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.

HIPAA Violation Defense

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

Licensing Board Protection Defense

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

Wage Loss/Deposition Expenses

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

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

Additional A La Carte Coverage

Business/General Liability Coverage
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

Medicare/Medicaid Reimbursement Endorsement
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

Does a Berxi Policy Cover Nurse Practitioners Who Work in Different Locations?

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.

Does a Berxi Nurse Practitioner Malpractice Policy Cover My Teaching?

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.

Why Should I Choose Berxi for Nurse Practitioner Liability Insurance?

We’re working to create a simpler, faster, and better insurance experience for our customers. While we think we’re the right choice for nurse practitioners, we also know that this is a really important decision, so we want to make sure you have all the information you need. Here are a few things that set us apart from other insurance companies:

We can save you 20%

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 we pass the savings along to you. In fact, our customers save an average of 20%.

You get 24/7 online access

At Berxi, you can manage every aspect of your coverage through our easy-to-use online portal. Not only can you get a quick quote and purchase your policy in just a few clicks, but once you’ve purchased a policy, you can also access documents, update your account information, and manage your payment options online. And if you ever need to file a claim, you can do that online too.

We have world-class customer support

When you call our support line, you won’t have to navigate through an endless phone tree or argue with a robot: You’ll reach one of our in-house product specialists who will work hard to answer all your questions. And if a claim is ever filed against you, our team will help you to navigate the claims process, every step of the way. You can reach a licensed representative Berxi member by calling our 1-833-242-3794 or contacting via email at support@berxi.com. We are available Monday to Friday 8:00am to 8:00pm ET.

Claims is what we do

Berxi’s medical malpractice policies are backed by Berkshire Hathaway Specialty Insurance Company, which has an A++ (Superior) financial strength rating. Our market-leading financial stability and claims service means we’ll have your back when you need us.

What Our Customers Are Saying

“Berxi was recommended to me by a friend at another company, and now it seems that everyone where I work has them too! The quoting process was easy… and the price is better than anywhere I've found.”


– Jeremy B.

“Completely stress-free setup and customized to my needs. So easy I didn’t even need to talk to anyone!”


– Che H.

“[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.

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