Crossing State Lines: Are Multiple Malpractice Insurance Policies Needed?

Do you need multiple malpractice policies when crossing state lines?


Crossing State Lines: Are Multiple Malpractice Insurance Policies Needed?

If you're practicing in more than one state, are you required to have a separate malpractice policy for each state? Find out more in this post.

"I’m practicing in multiple states. Do I need multiple malpractice policies?" This is a questions we often hear from D.C.s.

Multiple issues arise when doctors are licensed in multiple states. Fortunately, your coverage with NCMIC is not one of them.

If you are licensed in multiple states, NCMIC asks you to designate your primary state of practice.  In which state do you spend 51 percent of your time? That will be the state in which your policy will be issued. NCMIC will then cover you anywhere you are legal to practice, in other words, anywhere you are licensed.

The need for multiple state coverage often arises for doctors who practice in border communities and have offices in two states. Again, we ask that the doctor designate the primary state for purposes of coverage.

This may also be a concern for doctors with mobile practices and who travel across state lines to visit patients. This also affects doctors who visit other states with a seminar or sports team and who want to be able to treat patients during their visit. We ask for the primary state for coverage, but with this situation, it is very important the doctor is licensed where treating patients. Coverage under the insurance policy requires that the doctor is practicing within the state's scope of practice.

If you have questions about licensure requirements for a particular state, contact that state’s licensure board. You can find a directory of chiropractic licensing boards at Many will offer reciprocity or temporary licenses. Some will not. It is the doctor’s responsibility to understand the state's licensure and scope of practice.

The information in the NCMIC Learning Center is offered solely for general information and educational purposes. It is not offered as, nor does it represent, legal or professional advice. Neither does this information constitute a guideline, practice parameter or standard of care. You should not act or rely upon this information without seeking the advice of an attorney familiar with the specific legal requirements of the state(s) in which you practice. If there is a discrepancy between the site and an insurance policy you have with NCMIC, the policy will prevail.