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This coverage helps protect you and your personal assets, your practice and your patients. It compensates for damages, loss or injury suffered by the patient, as well as legal defense costs. Since 1946, D.C.s have recognized NCMIC as the malpractice leader. Today more D.C.s rely on NCMIC’s Malpractice Insurance Plan than all other chiropractic malpractice insurance companies combined.
NCMIC wants to make sure you have the insurance you need for your business and personal life. Whether you need business owners', workers’ compensation, EPLI, data breach/cyber liability, auto, homeowners or long term disability insurance, NCMIC can help you find the right coverage at the right price.
Are you adding or upgrading practice equipment? Would you like to save money on credit card processing? Do you need working capital cash or a no annual fee business card that pays you back? NCMIC Finance Corporation can help you achieve your financial goals.
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At NCMIC, we believe that supporting the chiropractic profession is an important part of our heritage. No other insurance provider has provided more support for the profession than NCMIC.
In the past 5 years, NCMIC has attended more than 1,000 chiropractic events including college homecomings, seminars and state/national association conventions. We also offer business training and malpractice risk management seminars and resources to D.C.s as a complement to the education provided by the chiropractic colleges.
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Jury spends less than four hours deliberating before returning a $900,000 verdict against DC on September 15, 2017.
In this case, derived from the NCMIC claims files, the doctor faced a patient with numerous health issues who experienced a cardiac emergency.
QUESTION: I have $100,000/$300,000 in limits on my malpractice insurance policy. Since I've been in practice for a while and haven't increased it, I'm wondering if this is enough. What levels of policy limits are considered sufficient for most doctors?
If your practice is set up as a corporation, it's important that you have the right coverage. NCMIC's client representatives are available to help you identify and manage your malpractice risks, including any resulting from the incorporation of your practice.
Many health insurer networks mandate higher malpractice insurance policy limits than what is required by state chiropractic licensing board regulations. Some D.C.s make the mistake of “teeter-tottering” with their limit levels in an effort to go with the state's lower amounts.
Amy Paul dropped out of high school to become a model. She continued to work as a model throughout her 20s and early 30s, at which time she started taking courses in fashion design, performance art, general education and cosmetology.
I ran into a long-time doctor recently at a college homecoming, and he mentioned that he's had the same malpractice insurance policy limits since he started practice more than 20 years ago. And he wanted to know if I thought he should increase it.
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.