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

Oregon Policyholders: Notice to policyholders in Oregon recently affected by wildfires. 

Chiropractic Insurance Premium Discounts

We’re pleased to offer a number of premium discounts, including discounts for:

  • Those with no claims
  • DCs who complete risk management seminars
  • New practitioners — includes 5th year of licensure
Licensure Year / Discount Type Discount Description
1st Year License 80% D.C.s in their first year of practice following initial licensure.
2nd Year License 60% D.C.s in their second year of practice.
3rd Year License 40% D.C.s in their third year of practice.
4th Year License 20% D.C.s in their fourth year of practice.
5th Year License 10% D.C.s in their fifth year of practice.
Risk Management 5% D.C.s who complete NCMIC-approved risk management seminars. The discount will apply for 3 years.
Claims-free 3%-20% D.C.s covered by NCMIC for at least 3 years who have not had a claim filed against them. 
Part-time Up to 50%

Call an NCMIC client representative for details

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Disclaimer: If original licensure is obtained more than 18 months after graduation, discount eligibility may be affected. Please call for details.  With the NCMIC policy, full-time D.C.s get a yearly 5% Risk Management discount for three consecutive policy years for attending a qualified seminar. Seminar discounts earned up to 30 days after the policy renewal date will apply immediately; those earned 30+ days after the renewal date will apply at the next policy renewal date. Part-time D.C.s are eligible to receive half this discount.

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