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.*