Does NCMIC offer premium discounts?

Yes. NCMIC offers discounts to D.C.s who are newly licensed, maintain a claims-free status, attend NCMIC risk management seminars, and more. See the chart below for details. Call our Client Service Representatives at 800-769-2000, ext. 3555 to see which discounts you are eligible for.

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 courses – online and/or onsite. 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.

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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.