Alabama & Louisiana Policyholders: Notice to policyholders recently affected by severe weather. 

Oregon & California Policyholders: Notice to policyholders recently affected by wildfires. 

Malpractice Insurance Policy Features

Our policies feature specific benefits and coverage to help guard your practice against claims.

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Malpractice Insurance Policy Features 

Dual License Coverage

Doctors with an additional license as a chiropractor, naturopathic physician, acupuncturist, massage therapist or physical therapist can be covered for professional services provided under both licenses under one policy.

No Case Settled Without Your Approval

Your reputation means everything, and we won’t settle without your say-so. Because our Malpractice Insurance Plan is designed to look out for your best interests, we include a True Consent to Settle feature (not available in Maryland). That means no case will be settled without your approval. 

No Arbitration Agreements

Arbitration agreements, which means a neutral party decides your case instead of a jury trial, are typically not in the best interest of our policyholders and their patients. Arbitration means you give up the option to go to court, you’re more likely to be found at least partially at fault, and asking your patients to sign one may strain your relationship with them.

Professional Entity / Corporation Coverage

If your practice is a corporation, LLC or partnership, you'll want to make sure it's protected for liability of alleged negligent acts by you or one of your employees. NCMIC offers both shared and separate entity limit options.*

Profession-Specific Policy Features 

Chiropractic Naturopathic

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Chiropractor     Naturopath

*This option is not available in the state of Connecticut unless the insured is the only licensed professional affiliated with the entity.

The NCMIC Malpractice Insurance Plan is underwritten by NCMIC Insurance Company. In the states of Florida and New York, the NCMIC Malpractice Insurance Plan is issued by NCMIC Risk Retention Group, Inc.

The terms and conditions of NCMIC's Malpractice Insurance Plan are fully explained in the policy. Policy features vary by state and may be subject to underwriting approval. 

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