At NCMIC, we constantly evaluate our malpractice plan to make sure it includes comprehensive benefits tailored to D.C.s. The result? Additional benefits to ensure you have all the protection you need.
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$25,000 per claim/$50,000 aggregate for peer review and utilization review coverage.
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NEW: $25,000 Supplemental Legal Defense Endorsement available at no additional charge.* This endorsement includes defense coverage for civil sexual misconduct allegations. The other components of this endorsement include HIPAA and Privacy Related Proceedings, State Disciplinary Proceedings, Wrongful Billing and Related Proceedings, and Federal Professional Review Organization Sanctions.
Note - coverage for civil sexual misconduct
allegations differs in N.Y.; please call for details. -
NEW: Dual License Coverage available.*
Doctors of Chiropractic who hold an additional license as a naturopathic physician or acupuncturist can now be covered under the same policy for both licenses for a nominal additional premium. No additional premium is charged for chiropractors who maintain a second license as a physical therapist or massage therapist.
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Basic acupuncture protection available, as long as you’re certified and acupuncture is included in the chiropractic scope of practice for your state. (Please
note: You must request acupuncture protection when you enroll in the malpractice
plan.)
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NEW: Entity Coverage with Shared Limits of Liability is offered at no additional charge.**
If you are the owner of a chiropractic entity, you can share your limit of liability with the entity for no additional premium. (Please note: This does not apply to entities that include licensed M.D.s or D.O.s.)
- NEW: Delegation of Certain Policy Rights
If you are the owner of your practice, you may pay the premiums for all your
associate doctors. If so, it only makes sense that any premium dividends or policy
refunds should be designated to go back to you. (Please note: As the insured doctor
is the policyholder, he or she will continue to receive all policy notices.)
- Coverage for Entities that include M.D.s and/or D.O.s is available.
Coverage for your business entity is available on a shared or separate limits basis for an additional premium.* (M.D./D.O. coverage is not available in N.Y.)
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An additional $5,000 in Professional Discipline Coverage for each incident (up to $10,000 each policy year) to pay your defense costs for appearances before a state licensing board in addition to the Supplemental Legal Defense coverage.
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Manipulation Under Anesthesia (MUA) benefits, as long as you’re certified by your state to practice MUA, your MUA treatments take place at a hospital or ambulatory surgery center, and you’re protected at least at the $200,000/$600,000 level.* (Please note: You must request MUA coverage when you enroll in the malpractice plan.)
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Reimburses you up to $5,000 for each claim (up to $10,000 per policy year) for your expenses while away from your office at our request in defense of your claim.
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Entity Coverage with Separate Limits of Liability available.
Plus, as a benefit of being a policyholder, you get ...
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Subscription to NCMIC’s quarterly newsmagazine, the Examiner. Each issue includes compelling case studies, tips for avoiding malpractice allegations, updates on current malpractice trends, insights into the legal and health issues of chiropractic today and more!
- Identity Theft Protection at no additional charge.
NCMIC has partnered with ID Theft AssistSM to bring you this added benefit. If you become the victim of identity theft, your ID Theft Assist representative will help you take the first steps to recover. ***
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