At NCMIC, we constantly evaluate our malpractice insurance 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.

• $25,000 per claim/$50,000 aggregate for peer review and utilization review coverage.
• $25,000 Supplemental Legal Defense Endorsement available at no additional charge.* This endorsement includes defense coverage for civil sexual misconduct allegations, as well as 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 NY.†
• Dual License Coverage available.* Doctors of Chiropractic who hold an additional license as a naturopathic physician or acupuncturist can be covered under the same NCMIC 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.
  Dual license coverage for physical therapy is not available in MA. 
• 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.)
• 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 NY.) 
• Professional Discipline Coverage. You can receive up to $5,000 for each incident (up to $10,000 each policy period) to pay your defense costs for appearances before a state licensing board. This is in addition to the Supplemental Legal Defense coverage.
• Reimburses you up to $5,000 for each claim (up to $10,000 per policy period) for your expenses while away from your office at our request in defense of your claim.
• Entity Coverage with Separate Limits of Liability available for an additional premium. 

Plus, as a benefit of being a policyholder, you get ...

• Subscription to NCMIC’s quarterly magazine, 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!
• 24/7 Online Access to Manage Your Policy. We understand you're busy. That's why we make it easy to manage your policy whenever it's convenient for you. You can view your policy summary, make a payment, review your billing history, print your declarations page and more.