Business Insurance

The right insurance can help protect you, your practice and your assets. You’ve worked hard for your business. Let us work hard for you.

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We'll Do the Shopping for You

Our relationships with the nation's top insurance carriers mean we can easily find you the right coverage at the right price.

We Understand Your Needs

You're a doctor and a small business owner. We understand the types of insurance you need no matter which hat you have on.

One-Stop Insurance Shopping

We're proud to help keep your practice safe by offering a variety of insurance options you can count on — all in one place.

What’s Covered Under Business Insurance?

When it comes to protecting your practice, we can help you find business insurance coverage to address key risks that healthcare professionals face. Here’s a breakdown of what’s covered:

Liability Coverage: Helps protect your practice from legal claims arising from accidents, injuries, or negligence that occur on your property. This includes general liability insurance for incidents such as slip-and-fall accidents or other premises-related injuries.
Property Insurance: Covers the physical assets of your practice, including office buildings, equipment, and supplies. In the event of damage or loss due to fire, theft, or natural disasters, property insurance ensures your business can recover without financial strain.
Business Interruption Insurance: If an unexpected event like a natural disaster or equipment breakdown disrupts your ability to operate, business interruption insurance covers lost income and helps keep your practice afloat while repairs are made.
Workers’ Compensation: Provides coverage for medical expenses and lost wages if an employee is injured on the job. Workers' compensation helps protect your employees and ensures compliance with state regulations.

Get business insurance tailored specifically for healthcare professionals, providing you peace of mind that your practice is covered against unforeseen risks. With reliable protection in place, you can focus on providing excellent patient care without worrying about unexpected events.

Business Insurance Products

Business Owner's PolicyA combination of property insurance and general liability insurance designed to support the financial security of your practice.

Workers’ Compensation InsuranceWorkers’ compensation insurance to protect your employees and help cover medical expenses and lost wages in case of work-related injuries.

Data Breach InsuranceData breach insurance to help protect against financial losses related to stolen data, cybersecurity incidents, or technology breaches.

Other Insurance CoveragesBusiness auto, flood, earthquake, and surety bond insurance can provide additional protection to safeguard your practice against unexpected events.

NCMIC Advantages

At NCMIC, we work with doctors like you every day and understand the unique situations and risks you may encounter. Our experienced staff can discuss the coverages you may need to protect your practice.

Customized Insurance

Our in-house insurance agency will be happy to discuss your specific needs and answer your questions. You can also get a no-obligation quote.

Experienced Agents

Our licensed agents are familiar with the many situations that can affect your insurance coverage. They understand what makes your industry unique and will work closely with you to understand your practice so they can discuss insurance options.

Venn Diagram - How customized insurance products, agents and networks come together to provide you the product and services you need.

A Nationwide Network of Companies

As an independent insurance agency with access to many of the nation's leading insurance companies, we can provide you with options for both coverage and premiums. While other independent insurance agencies may offer products and services from several insurance companies, not all of them can offer the broad access we do.

Insurance Checklist

It’s important that you get coverage that’s right for your specific needs and concerns. Use our business insurance checklist to help you figure out which products make sense for your unique situation.

With the checklist, you’ll:

Identify the essential coverages for your practice, including liability and property insurance.
Understand which workers' compensation options are best suited for your employees.
Get clarity on data breach insurance to protect against cybersecurity risks.
Learn how to customize business interruption insurance based on your operational needs.
Ensure you're covered with additional policies like business auto and flood insurance for added protection.

View Checklist

Business Insurance Resources

Explore NCMIC’s comprehensive resources to help you make informed decisions about your business insurance coverage.

Case Scenario: DC's $40,000 Practice Investment Goes Up In Smoke Article | Business Insurance Dr. Smith added new equipment and décor to her growing chiropractic practice. When a fire caused significant damage, a simple oversight left her in th...

Case Scenario: Wrongful Termination Claim Costs Practice $75,000 Article | Business Insurance After opening his chiropractic practice, Dr. David Jones made sure it was covered with the appropriate insurance. Failure to update it cost him dearly...

Case Study: Lead-Foot Patient Causes Practice Closure Article | Business Insurance The day began like any other at Dr. Paul Smith's bustling suburban practice. However, what Dr. Smith didn't know was that day would be unlike any oth...

Business Insurance: A Safety Net for Your Business Article | Business Insurance You spent years working toward your dream of owning your own business. You researched and crafted a solid business plan, searched for the perfect spac...

What is business insurance and why do I need it?

Business insurance provides coverage for various risks your practice may face, such as property damage, liability claims, and employee injuries. It ensures that your practice can continue to operate smoothly in the event of an accident, disaster, or lawsuit.

Does business insurance cover my employees?

Yes, workers' compensation insurance is included in most business insurance plans, which covers medical expenses and lost wages if an employee is injured while working. Additional coverage options can help protect your employees against other risks.

Does business insurance cover damage from natural disasters?

Business property insurance may cover damage from natural disasters such as fire, flood, or earthquake. However, additional coverage like flood insurance or earthquake insurance may be needed for full protection depending on your location.

Can I customize my business insurance plan?

Absolutely. NCMIC’s business insurance solutions are customizable to meet the unique needs of your practice. Whether you need data breach insurance, business auto, or liability coverage, you can tailor your policy to cover the specific risks your practice faces.

Customized Coverage Designed for Chiropractors and Naturopaths