Information About Medical Malpractice Insurance
Protect your career and reputation you've worked so hard for.
We know your primary focus is helping your patients and clients. That's why the GEICO Insurance Agency, LLC has teamed with Berxi, part of Berkshire Hathaway Specialty Insurance Company. Together, we're ready to help you with industry-leading medical malpractice insurance. Get your free medical malpractice insurance quote today.
By getting a quote through us for medical malpractice insurance, you can rest assured that if you need to use Berxi's services, you're backed by a team of professionals in the medical malpractice industry.
Why do I need medical malpractice insurance?
A patient or their family may want justification for something that didn't go as planned. Mistakes happen. Protect yourself and your career with a med mal policy. You'll have a team working to defend you.
Who should consider medical malpractice insurance?
Berxi offers policies to the following healthcare professionals:
- Nurse Practitioners
- Physical Therapists
- Occupational Therapists
- Registered Nurses
- Licensed Practical Nurses
- Yoga Instructors
- Personal Trainers
- Physician Assistants
- Nurse Anesthetists (CRNAs)
- And more
See how affordable medical malpractice insurance can be.
My hospital/practice provides med mal insurance. Do I need more?
Even if your employer provides coverage, here are some important things to consider that your employer's policies may exclude or not provide coverage for:
- Claims of one employee against another employee
- Claims filed against you from work at a previous employer
- Lost wages while you attend legal proceedings
- Sufficient coverage for a claim against multiple people
With your own policy, the resources aren't shared among multiple insureds, so you'll have access to your own legal representation.
How much does medical malpractice insurance cost?
There are a number of factors considered to determine the cost of your medical malpractice insurance.
- Years of experience
- State(s) where you work
- Time spent on the job
Medical Malpractice Insurance Coverages:
Medical Malpractice Coverage: Protection against claims of negligence or mistakes which cause bodily harm to another.
Defense Counsel: If a covered claim is filed against you, this provides a lawyer for you with experience in medical malpractice. It also pays for related defense costs (e.g., lawyer fees, court fees, expert witness costs).
Worldwide Coverage: Your policy travels with you, as long as the claim is brought against you in the United States (including U.S. territories or possessions).
Good Samaritan Coverage: If you provide medical care to someone outside of your primary work setting and that person files a claim against you, your policy would still apply.
Sexual Misconduct/Abuse: If (non-criminal) allegations of sexual misconduct are made against you, this provides counsel to represent you and pay defense costs—unless or until the sexual misconduct or abuse is determined to have occurred.
Information Privacy Coverage (HIPAA): If a claim alleges that you violated privacy rules relating to private health information, this provides you with access to counsel and will reimburse you for costs related to HIPAA proceedings.
License Protection: If you're involved in a licensing board action or proceeding, this provides you with legal counsel.
Defendant Expense Benefit/Deposition Representation: If the insurer asks you to attend litigation activities (e.g., a deposition), this benefit will reimburse you for actual lost wages and any necessary expenses you incur.
Reputation Coverage: If you face a threat to your professional reputation, this can provide you with a crisis management/public relations consultant to help clear your name.
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. Available for an additional charge.
Medicare/Medicaid Reimbursement Endorsement: If you're audited by either Medicare or Medicaid, this offers reimbursement for related accountant or attorney costs that result from the investigation or defense of the audit proceedings.
How soon can I get coverage?
You set the start date of your policy, which can be today or up to a year from now.
Why should I choose Berxi for my medical malpractice insurance?
Berxi works to create a better insurance experience for healthcare practitioners and fitness professionals by offering affordable coverage and outstanding service. What's different about Berxi:
- Financial Stability: Berxi is a part of Berkshire Hathaway Specialty Insurance company. Berkshire Hathaway Specialty Insurance company is part of Berkshire Hathaway's National Indemnity group of insurance companies, consisting of National Indemnity and its affiliates, which hold financial strength ratings of A++ from AM Best and AA+ from Standard & Poor's.
- Simplified Experience: Berxi offers an intuitive digital insurance experience with instant access to your policy documents and 24/7 online account access.
- Industry-Leading Claims Support: With a nationwide network of experienced claims handlers, Berxi's team will be ready to help you navigate the process.
For online quotes:
GEICO Insurance Agency, LLC. has teamed up with Berxi, a division of Berkshire Hathaway Specialty Insurance Company, to provide medical malpractice insurance products. When you click on "medical malpractice insurance quote", or "affordable medical malpractice insurance" you will be taken to the Berxi website, which is not owned or controlled by GEICO.
The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.