Understanding Your Malpractice Insurance Policy
Malpractice claims can arise from even the smallest oversight, no matter how experienced you are. With a NCMIC policy, you’re not just getting coverage — you’re getting a team of experienced defense attorneys ready to fight for your reputation and career. Our policies include two essential components:
- Legal Defense: A team of experienced attorneys who specialize in malpractice defense, helping you navigate the legal complexities of any claim.
- Indemnity: Coverage for settlement and judgment costs, helping protect you financially when a covered claim is resolved.
Understanding these two elements is crucial to making sure your practice is adequately protected.
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Protection for Chiropractors & Naturopaths
Free Claims Advice
The Claims Advice Hotline is available to answer your risk management questions or concerns — even if no formal claim has been filed. By proactively contacting us for advice, you can potentially avoid claims before they arise. If a claim is filed, our experienced team is here to guide you through the process.
Key Benefits:
- Get advice on risk management and claims prevention
- Confidential support, even if no claim has been made
- Immediate help when a claim is filed
Dual License Coverage
For doctors holding dual licenses (such as chiropractic, naturopathic physician, acupuncturist, massage therapist, or physical therapist), our policy can provide coverage under both licenses. You don’t need separate policies since your professional services under both licenses are covered under one, making insurance simpler and more affordable.
Key Benefits:
- One policy for multiple professional services
- Streamlined coverage for chiropractors with dual licenses
- Simplified administration and fewer costs
No Case Settled Without Your Approval
Your reputation is our priority. That’s why our policies feature True Consent to Settle, which means no settlement will occur without your explicit approval. (Note: This feature is not available in Maryland.) We believe you should have peace of mind knowing you're actively involved in defense decisions.
No Arbitration Agreements
Arbitration can take away your right to a jury trial and is often not in your best interest. We don’t require arbitration agreements because we believe you should have full access to a court trial if needed. Arbitration could also potentially harm your relationship with patients, as they may feel pressured to sign agreements that limit their rights.
Key Benefits:
- No forced arbitration, allowing you to pursue a jury trial
- Protects patient relationships by avoiding compulsory agreements
- Full legal rights in the case of a claim or lawsuit
Professional Entity / Corporation Coverage
If your practice is structured as a corporation, LLC, or partnership, you need coverage that extends beyond just your personal liability. Our Professional Entity Coverage protects against potential liability arising from negligent acts by you or your employees. We offer both shared and separate entity limit options, allowing you to tailor coverage based on your practice structure.
Key Benefits:
- Coverage for the entire practice, not just the individual practitioner
- Options for shared or separate entity limits*
- Protection from claims involving employees or business operations
Why Choose NCMIC for Malpractice Insurance?
At NCMIC, we’ve been providing health care professionals with malpractice insurance for 80 years. We’re a trusted ally for chiropractors and naturopathic physicians who need quality protection and specialized legal defense. Our policies are designed to give you peace of mind and help ensure your practice is covered.