Berxi (Berkshire Hathaway) vs Proliability (Mercer)
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| Item | Berxi (Berkshire Hathaway) | Proliability (Mercer) |
|---|---|---|
| Coverage limits | Flexible up to $1M / $6M aggregate | Up to $1M / $3M 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 | nurses and allied-health professionals who want occurrence coverage with no tail |
| 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
Proliability (Mercer)
Pros
- Occurrence-based coverage through Liberty Insurance Underwriters — no tail coverage needed
- Licensing board reimbursement up to $25,000 per incident / $100,000 per policy period
- HIPAA coverage up to $50,000; the only AANP-sponsored NP plan since 2008
Cons
- Standard limits cap at $1M / $3M (lower aggregate than HPSO/CM&F)
- Online self-service flow feels dated
Last reviewed: 2026-07-07