Berxi (Berkshire Hathaway) vs HPSO / NSO
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| Item | Berxi (Berkshire Hathaway) | HPSO / NSO |
|---|---|---|
| Coverage limits | Flexible up to $1M / $6M aggregate | $1M per claim / $6M annual aggregate |
| Policy form | occurrence / claims-made | occurrence |
| License defense | ✓ | ✓ |
| Tail coverage | ✓ | — |
| Rating | 4.5 | 4.6 |
| Best for | professionals who want instant online quotes and defense costs that don't erode limits | healthcare professionals who want widely recognized occurrence coverage with high aggregate limits |
| 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
HPSO / NSO
Pros
- High $1M / $6M aggregate limits; coverage stays in force even if you change jobs
- License Defense up to $25,000, HIPAA proceedings up to $25,000, Assault up to $25,000 (annual aggregate)
- 24/7 occurrence coverage with your own designated defense attorney; legal fees paid in addition to limits
Cons
- Policy is issued through NSO rather than HPSO directly
- Fewer customization options than digital-first carriers
Last reviewed: 2026-07-07