Chiropractic Malpractice Insurance Policy Features
Malpractice policy features and options tailored to the chiropractic industry.
Rewarding Responsible Practice With Premium Dividends
When you handle risk well, you should see the rewards. That’s why NCMIC has returned an annual premium dividend* to policyholders for 30 consecutive years, which is a testament to our financial strength and the professionalism of our insured doctors.
Your commitment to patient safety and responsible practice management contributes to this ongoing success, helping us give back to those who make the chiropractic profession stronger.
Learn & Save With Continuing Education Seminars
We believe ongoing education is key to reducing risk and improving patient outcomes. That’s why NCMIC offers a 5% discount on three years of malpractice insurance for completing eight hours of approved CE seminars or online courses.
Our courses are designed to help chiropractors stay current on clinical best practices, risk management, and regulatory updates, all while saving on premiums.
Explore CE Courses & Seminars
Malpractice Insurance Coverage Types for Chiropractors
Protects you for incidents that occur during the policy year, regardless of when the claim is reported even if it’s after your policy ends. Ideal for DCs who want lasting peace of mind and simple, predictable premiums.
Provides coverage for claims involving alleged incidents that occur and are reported during the active policy period. This type of policy offers cost-effective protection and flexibility, particularly for growing practices.
Offers extended reporting protection after your policy ends, allowing you to report claims at any time in the future, as long as the incident happened before the policy termination date. Tail coverage is often chosen by chiropractors who retire, change carriers, or move to a different type of policy.
Occurrence vs. Claims-Made Malpractice Policies
Both coverage types help to protect your practice, but they differ in when coverage applies. Claims-made focuses on when a claim is reported, while occurrence coverage focuses on when the incident happened.
If you’re not sure which coverage is right for you, our team can help you compare both options to find the best fit for your needs.
Audit and Legal Defense Endorsement for Chiropractors
Available at No Additional Charge
Your NCMIC policy includes an Audit and Legal Defense Endorsement at no extra cost. This endorsement extends your protection to cover defense costs for common legal and administrative risks faced by chiropractors, including:
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Wrongful billing and related proceedings (including private insurance billing audits)
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State disciplinary board actions
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Civil sexual misconduct allegations
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HIPAA and privacy-related proceedings
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Quality Improvement Organization (QIO) reviews
This added protection means you’re backed by a legal team that understands chiropractic practice inside and out.
Apply for Coverage or Make Policy Changes
Ready to get started or make updates to your existing policy?
Our application and policy change forms are quick and easy to complete, helping you get the protection you need fast.
Why DCs Trust NCMIC
For 80 years, chiropractors have turned to NCMIC for malpractice protection backed by industry expertise, financial strength, and unmatched customer service.
We don’t just insure chiropractors. We advocate for them, defend them, and celebrate their commitment to patient care.
When you choose NCMIC, you’re choosing:
- Coverage designed for chiropractors
- Access to expert legal defense
- Rewards for responsible practice
- Peace of mind backed by decades of experience
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