Berxi (Berkshire Hathaway) vs CPH & Associates
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| Item | Berxi (Berkshire Hathaway) | CPH & Associates |
|---|---|---|
| Coverage limits | Flexible up to $1M / $6M aggregate | Professional liability occurrence form; optional GL $1M / $3M aggregate |
| Policy form | occurrence / claims-made | occurrence |
| License defense | ✓ | ✓ |
| Tail coverage | ✓ | — |
| Rating | 4.5 | 4.3 |
| Best for | professionals who want instant online quotes and defense costs that don't erode limits | counselors, psychotherapists, and niche health professions wanting lifetime occurrence coverage |
| 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
CPH & Associates
Pros
- Occurrence (lifetime) form — coverage for incidents during the policy period never expires
- State Licensing Board Defense $35,000 and unlimited defense attorney fees in lawsuit defense
- A++ rated carrier (A.M. Best); talk to a licensed agent directly, no phone trees
Cons
- Sexual misconduct is defense-cost coverage only
- Higher limits and some coverages are optional add-ons
Last reviewed: 2026-07-07