Premium Dividend ... An Added Bonus of Being with NCMIC

NCMIC's Premium Dividend is very popular with our doctors who consider it an added "bonus" -  just one of many reasons to be with NCMIC.

Reasons like:

  • Coverage designed to meet the needs of all chiropractic philosophies
  • Consistently strong financially—“A” (Excellent) rating with a stable outlook from A.M. Best
  • Claims staff and attorneys who know chiropractic and how to defend allegations against chiropractors
  • Personalized service—one place to call for benefit, payment and claims questions

NCMIC chiropractic malpractice policyholders will soon receive a premium dividend for the 21st year in a row. We have returned money to our malpractice insurance policyholders through a premium dividend every year since 1996.* Premium dividends are made possible by NCMIC’s solid business decisions, along with our doctors’ efforts to enhance patient communications and further their clinical expertise.

We can’t say “thank you” enough to our doctors. You've made our stellar record possible.


Premium dividends are not guaranteed. Industry analyst A.M. Best ratings range from   A++ to S. See