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North Carolina Medical Malpractice Insurance

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Cunningham Group is here for North Carolina Physicians & Medical Professionals

We are Medical Malpractice Insurance Specialists helping physicians, medical professionals and medical groups across specialties get medical malpractice coverage at cost-effective rates – as well as providing valuable tools and resources.

Founded in 1947, our experienced liability specialists will customize a policy to the specific needs of you and your practice.
Get all the physician discounts you are entitled to, including: Risk Management, Claims-free and New to Practice.
We ensure you receive Prior Acts, so you avoid purchasing separate tail malpractice coverage.
We publish historic rate data for every county in the State, in partnership with the Medical Liability Monitor – the nation’s leading independent source of Medical Liability Insurance and healthcare industry news.
Access to ALL MD, our network of Connecticut healthcare defense lawyers. Free Practice Tools, including Online Patient Satisfaction Survey System and Risk Management tools.
Experience excellent customer service with our dedicated account team.

Cunningham Group Has You Covered

On average, Cunningham Group saves Physicians and Medical Professionals 20% on their medical malpractice insurance.

2021 North Carolina Malpractice Insurance Marketplace Guide

North Carolina Med-Mal Fast Facts

  • Most Common Limits of Liability: $1 million/$3 million
  • Major Malpractice Insurers:
    • Medical Mutual Insurance Co. of North Carolina
    • MAG Mutual Insurance Co.
    • Lexington Insurance Co.
    • The Doctors Company
    • Medical Protective Co.
  • Cost of Medical Malpractice Insurance: Moderate
  • Pending State Legislation in 2021 that could affect your rates?: No

The North Carolina Malpractice Landscape

North Carolina has a stable malpractice marketplace, with moderate premiums and many carriers. Like many other states, North Carolina has seen the number of medical malpractice claims fall sharply in recent years. According to data from the National Practitioner Database (NPDB), there were 309 malpractice claims in 2004 in the Tar Heel State. In 2014, claims numbered only 147. According to the 2015 Lawsuit Climate Survey, Ranking the States: A Survey of the Fairness and Reasonableness of State Liability Systems, from the Institute for Legal Research, an affiliate of the U.S. Chamber of Commerce, North Carolina ranked highly for the fairness and reasonableness of its state liability system, coming in at number seven overall.

Tort Reform in North Carolina

North Carolina has instituted several reforms to its medical liability system over the years. It was among the first states to adopt alternative dispute resolution, which can offer a simpler means of settling disputes. These alternatives include mediation, arbitration, a summary jury trial and early neutral evaluation. North Carolina first began testing these methods in 1991, establishing a series of pilot programs that required mediation of civil actions. This system was effective in reducing both the length of conflict and the overall costs.

In 2001, a law capping noneconomic damages at $500,000 for medical malpractice cases was passed. The law made exceptions if the plaintiff suffered disfigurement, loss of use of part of the body, permanent injury or death, as well as if the defendant was found to have been reckless, grossly negligent, fraudulent, or committed the acts with intent or malice. The North Carolina damage cap is indexed to inflation.

In 2007, the North Carolina General Assembly passed the Voluntary Arbitration of Health Claims Act, which capped total damages at $1 million in medical professional liability claims where both parties agreed to use binding arbitration. The act created a well-defined system of alternative dispute resolution for medical liability cases, allowing medical malpractice insurance providers to offer more stability in premiums.

Does North Carolina have…

  • Damage Caps? Yes, noneconomic damages are capped at $500,000, with future increases indexed to inflation. If both parties agree to binding arbitration, then total damages are capped at $1 million.
  • Patient Compensation Fund? No
  • Apology Law? Yes, healthcare providers can make statements of apology for an adverse outcome, as well as offers to undertake corrective or remedial treatment or actions.
  • Collateral Source Reform? No
  • Periodic Payments? No
  • Joint Liability Reform? No
  • Limits on Plaintiff Attorney’s Fees? No

Medical Malpractice Rates in North Carolina


Rates in North Carolina are moderate, even for specialists like surgeons and obstetricians. General practitioners should be able to find premiums for less than $12,000 per year.

Get Historic Rates

By combining our efforts with those of the Medical Liability Monitor – the nation’s leading independent source of Medical Liability Insurance news, as well as the political, legal and risk management issues that affect the healthcare industry – we’ve published historic rate data for every county in the Tar Heel State. You can view all the rates by completing the three simple steps on the left of this page. You’ll find the insights offered by this information invaluable when making your decision on your medical malpractice insurance coverage and carriers. This is only one of the many reasons that Cunningham Group Insurance has become the preferred online source for North Carolina physicians, healthcare professionals and medical groups looking to find the best coverage and lower their medical malpractice insurance rates.

Coverage by North Carolina County

Rates are constant across North Carolina’s 100 counties. Physicians practicing in Mecklenburg County (Charlotte), Wake County (Raleigh) and Guilford County (Greensboro) enjoy the same moderate premiums as doctors in rural parts of the state.

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