Malpractice Insurance Policy Features

Malpractice Insurance Policy Features

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

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Understanding You Malpractice Insurance Policy

Medical negligence allegations can happen to even the most experienced doctors. If it happens to you, you deserve to have the best coverage and defense team fighting for your career. To that end, a NCMIC medical malpractice policy consists of two key components: Legal Defense and Indemnity. Legal defense provides you with a team of experienced lawyers, while indemnity covers the amount of the settlement, if there is one, to the plaintiff. Understanding your coverage and policy features is one of the most important steps you can take as a chiropractor or naturopath.

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Medical Malpractice Policy Features 

Free Claims Advice 

Our Claims Advice Hotline is available if you have any risk management questions or concerns, even if no claim has been submitted. If a claim does get filed, we’re here to help.

Dual License Coverage

Doctors with an additional license as a chiropractic, 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 you have Professional Entity Coverage to protect against liability of alleged negligent acts by you or one of your employees. NCMIC offers both shared and separate entity limit options.*

NCMIC Chiropractor and Patient

Chiropractic-Specific Policy Features

We’ve tailored chiropractic malpractice policies to include a few features just for DCs, such as:


Annual Premium dividend


Continuing education seminars and discount


Audit and Legal Defense Endorsement


More Features

naturopathic physician speaking with patient

Naturopath-Specific Policy Features

We offer medical malpractice policy features specific to the naturopath profession, including:


Peer Review Coverage


Locum Tenens


Utilization Review Coverage


Legal Defense for Covered Proceedings


More Features

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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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