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North Carolina Medmal Insurance

Explore Your State's Medmal Insurance Resources


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North Carolina Medmal Insurance Facts

North Carolina Medical Professional Liability Insurance Market Summary


If you're a physician in North Carolina seeking medical liability insurance, SelectFirstInsurance can guide you to numerous reputable insurers.
Leading companies in the region include:

  • ProAssurance

  • Medical Protective

  • The Doctors Company

  • Mag Mutual

  • State Volunteer Mutual Insurance Co.


North Carolina's medical professional liability insurance market is relatively competitive, with several insurance carriers offering coverage options for healthcare providers. The state does not have a government-sponsored medical malpractice insurance program, and physicians, hospitals, and other healthcare entities typically obtain coverage from private insurers. Premium rates can vary based on factors such as specialty, claims history, and geographic location within North Carolina.

Medmal Insurance Requirements for North Carolina in 2023

North Carolina law mandates that healthcare providers, including physicians, maintain medical professional liability insurance coverage or demonstrate financial responsibility as a condition of their medical licensure. The North Carolina Medical Board sets minimum coverage requirements, and providers must meet these requirements to practice medicine in the state. Ensuring insurance coverage is essential to protect patients and ensure access to compensation in case of malpractice.

Tort Reform in North Carolina

North Carolina has implemented various tort reform measures related to medical malpractice. One significant reform is the cap on non-economic damages in medical malpractice cases, limiting the amount of compensation that can be awarded for pain and suffering. Additionally, the state has a requirement for pre-litigation review panels to evaluate the merits of medical malpractice claims before they proceed to court, helping to identify valid cases.

Statute of Limitations for Medmal Claims

In North Carolina, the statute of limitations for filing a medical malpractice lawsuit is generally three years from the date when the alleged malpractice occurred or from the date when the injury was or should have been reasonably discovered. However, there is a maximum statute of repose of four years from the date of the alleged malpractice, regardless of when the injury was discovered. Exceptions may apply in cases involving minors or instances of fraudulent concealment.
*statute of limitations may vary depending on specialization. For additional information, please visit*

Disclaimer: The information provided above is for general informational purposes only. It  is not intended as legal, financial, or professional advice. By accessing this information, you acknowledge and accept these terms of use and any additional terms and conditions that may appear on this site from time to time.

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Why Partner With SelectFirst Insurance

When it comes to securing your medical malpractice insurance, partnering with the right provider is paramount. At SelectFirst Insurance, we understand the unique challenges and concerns that healthcare professionals face.

With over 30 years in the insurance Industry, at SelectFirst Insurance Services we cater to the unique insurance needs of our business clients. Instead of a one-size-fits-all approach, we customize the insurance products to meet your unique needs. We embrace a set of high-performance standards, ensuring your expectations will be exceeded. As a boutique insurance agency with access to over 65 insurance companies, our clients enjoy the special convenience of a personalized, highly skilled, innovative and performance driven team to handle your insurance needs. 

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