Berxi (Berkshire Hathaway) vs CM&F Group
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| Item | Berxi (Berkshire Hathaway) | CM&F Group |
|---|---|---|
| Coverage limits | Flexible up to $1M / $6M aggregate | Up to $1M per claim / $6M annual aggregate |
| Policy form | occurrence / claims-made | occurrence |
| License defense | ✓ | ✓ |
| Tail coverage | ✓ | — |
| Rating | 4.5 | 4.4 |
| Best for | professionals who want instant online quotes and defense costs that don't erode limits | clinicians who want portable coverage with telemedicine and license defense built in |
| Get Quote | Get Quote |
Berxi (Berkshire Hathaway)
Pros
- Defense costs are outside the limits of liability — a $1M limit stays fully available for settlements
- $0 deductibles; both occurrence and claims-made options with customizable tail coverage
- Board Action & License Protection (starts at $10,000/incident) and Reputation Protection up to $50,000
Cons
- Covers a narrower range of professions than HPSO
- Not available in every state or for every profession
CM&F Group
Pros
- License Defense and HIPAA Defense coverage included as standard
- Telemedicine / telehealth malpractice coverage included at no additional cost
- 24/7 portable coverage that follows you (volunteer, per diem, moonlighting); insuring clinicians since 1947
Cons
- Brand is less known than HPSO or Berxi
- Quote requires entering practice details up front
Last reviewed: 2026-07-07