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Outstanding Coverage For Less

You can take advantage of NCMIC's premium discounts through your first five years of licensure

NCMIC’s Malpractice Insurance Plan is already a great value, offering the experience, knowledge and personalized service you need. It gets even better when, as a new D.C., you can take advantage of up to 80% in premium discounts.

NCMIC Malpractice Insurance Plan Premium Discounts*

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

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.

The NCMIC Malpractice Insurance Plan is underwritten by NCMIC Insurance Company. In the states of Florida and New York, the NCMIC Malpractice Insurance Plan is issued by NCMIC Risk Retention Group, Inc.

The terms and conditions of NCMIC's Malpractice Insurance Plan are fully explained in the policy. Policy features and discounts may vary by state and may be subject to underwriting approval. For details, view this pdf.