Premium Discounts

When looking for malpractice insurance, it may be tempting to select a plan and company by price alone. This can be a risky decision. You don't want to find out your coverage is lacking when you need it most.

It's important to look at the big picture, instead. Consider the benefits and features of the plan, the knowledge and support of chiropractic, as well as the financial strength of the company.

NCMIC offers the best value for your premium dollar. We have the experience, knowledge and personalized service you need. The benefits and features of our malpractice insurance plan are fine-tuned for Doctors of Chiropractic.

We are pleased to make our coverage more affordable with premium discounts up to 80%.

NCMIC Malpractice Insurance Plan Premium Discounts*

NCMIC offers several premium discounts to D.C.s, including our new practitioner discounts, which just got even bigger and now include 5th year D.C.s!

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.

No Membership Fees

You are not required to pay membership fees to take advantage of NCMIC's Malpractice Insurance Plan.

Malpractice Insurance

Get a Quote

Call us for helpful support at 800-769-2000, ext. 3555

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.